23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit score has not be updated since XXXX of 2024. I be trying to get in touch Experian Credit Bureaus to see why I cant see my current report its saying online that they cant show my current score because other lenders have different information and until I get it straighten they cant show my current score. I have no ideal of what they are talking about or what they mean. I been trying calling for months about this matter and have yet to talk to a live agent. It always say unfortunately Im unable to speak to some one. And o also have my false last names associated on my credit report that I need removed. But once again I can not get a live agent on the phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX  This is not mine.

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SEC. 4021. CREDIT PROTECTION DURING COVID19. 
Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Product: Bank account or service

Chase accused me of fraud and closed my accounts in 2013. They settled the amount they say I owe with the IRS, who taxed me and counted it as income since it was a debt forgiven. However, it is reported with XXXX and they show no proof of my " fraud. '' I 'm now paying the IRS taxes on money they claim was my fraud and have still yet to prove it. I did not commit fraud and I have filed reports with XXXX and the FBI over the account activity they are blaming me for but it was not me and they have no proof. Therefore, they can not and should not be allowed to label me as fraud to XXXX and block my banking abilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Checking or savings account

Webster Bank Subject : Unauthorized ATM Withdrawals and Unsatisfactory Resolution I am writing to formally express my concern and dissatisfaction regarding unauthorized ATM withdrawals from my account that have occurred throughout XXXX XXXX over the entire year of XXXX up until XX/XX/XXXX. Despite my efforts to resolve this issue, the response from Webster bank has been profoundly disappointing. 

On XX/XX/XXXX ], while attempting to make a payment on my cell phone bill, my transaction was declined due to insufficient funds. This prompted me to review my account activity, where I discovered that numerous unauthorized withdrawals had been made from ATMs in XXXX XXXX. At the exact time my payment was declined, another withdrawal was processed, further depleting my funds. 

I want to make it unequivocally clear that I did not approve or have any knowledge of these transactions. It is evident that an unknown individual has been fraudulently accessing my account. Despite this, when I contacted Webster customer service department, I was met with a dismissive response, essentially being told " tough luck. '' This level of service is unacceptable. As a customer, I expect my bank to safeguard my assets and take swift, effective action when fraud is detected. Instead, I have been left vulnerable and without recourse. I am requesting an immediate and thorough investigation into these unauthorized withdrawals. Additionally, I expect a full reimbursement of the stolen funds and a review of Websters security measures to prevent such breaches in the future. 

I trust that Webster Bank will address this matter with the seriousness it deserves and provide a resolution that reflects your commitment to customer security and satisfaction. Failure to adequately resolve this issue will leave me no choice but to escalate my complaint to the relevant regulatory bodies and consider legal action. 

Please acknowledge receipt of this letter and provide a response outlining the steps that will be taken to rectify this situation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report recently as noticed a few things that was being reported might not be correct. I have asked both Credit bureaus and the creditor to start an investigation and send information on this account and they have failed to do so. I also read the FAIR CREDIT REPORTING ACT it stated that I have the right to challenge anything Im not sure is accurate on my report. They are reporting things on me that is not accurate and will not provide proof or accurate reports that match.

Im also familiar with 15 U.S.C. Sec. 1681i ( a ). It stats that you cant provide proof these account are 100 % accurate they must be deleted. I have disputed this account for almost a year and they only I get back is verified with no information changing. This is a clear violation of my consumer right and its defamation of character as well. The lawyer I spoke with said I should contact you guys before taking legal actions. I noticed one for the credit bureaus deleted the account because the information reported was not accurate. I know by law I have to give you 30 days to investigate so please investigate this issue and delete the accounts for false and inaccurate reporting. After this investigation report please send me an updated copy of all three reports Name of account : XXXX Account number : XXXX Issues : charged off open date closed date reported balance last payment Please provide proof that this account is being reported 100 % accurate or delete this account from my credit profile Thank you
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the listing of a bankruptcy on my credit report. This record is inaccurate, as I have official documentation from the court explicitly stating that this bankruptcy should not be reported. The presence of this erroneous information is extremely concerning and undermines the accuracy of my credit profile. Additionally, I have discovered the involvement of an unauthorized third party in this matter, which only escalates the seriousness of the situation. This raises significant concerns about how this information was added to my report and highlights a breach of trust in the reporting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Checking or savings account

At XXXX on XX/XX/2020, my husband received a fraud notification from Chase bank that a purchase for {$18.00} was approved on our debit card ending in XXXX at XXXX XXXX. The text asked if it was him that made this purchase. He replied " NO ''. My husband logged on to our mobile banking app with Chase and the charge was not there, but there were 3 " pending '' charges for {$500.00}. My husband promptly called Chase and as he was on the phone with the representative who was asking questions and deactivating my husband 's debit card, 4 more identical charges were made for the exact amount as well as a charge for {$780.00}. There was a total of {$4300.00} taken from our account from someone in the XXXX. The bank representative gave us a temporary credit while the " investigated '' the claim. Today, we received an email stating that the claim was denied and the bank would be removing {$4300.00} from our account. I XXXX the companies that were on the transaction statement and " XXXX '' in XXXX ( XXXX XXXX ) is a mobile banking app that neither my husband or I hold an account with nor have we ever heard of. The other company is " XXXX '', a clothing company in XXXX, XXXX ( again, I have never heard of this company ). We have our debit card in hand, it was never lost or have we EVER been to XXXX. I am disturbed that Chase denied this claim given we were ON THE PHONE with them while the transactions were taking place. Furthermore, the charges continued to post even after the card was deactivated.
Product: Vehicle loan or lease

I have a current loan with Wells Fargo Auto loans that was opened in 2015. I borrowed XXXX. However on my credit report it now shows I owe XXXX. This has affected my scores greatly and want Wells Fargo to pay restitution for inaccurate amount. It appears I am in the negative with my loan and installment payments. This has affected my financial status and scores! I actually only owe XXXX!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the collection account referenced above, as it is currently subject to litigation. Per the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I request the immediate removal of this account from my credit report until litigation is resolved. 

This account '' XXXX inclusion on my credit report during active litigation violates principles of accuracy and fairness. Until final legal determination is made the validity of this debt remains unconfirmed, and reporting it as an outstanding collection is misleading and potentially damaging. 

Under Florida XXXX, all debt XXXX must be registered with the Florida XXXX XXXX XXXX XXXX to legally operate within the state as required under Florida Statutes XXXX Florida Consumer Collection Practices Act ( FCCPA ).
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX NUMBER XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXXXXXX XXXX NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In TransUnion recent letter dated XX/XX/2018 they stated that the Items were verified, but as you can see in the attached copy of my before and after credit Report, it clearly shows that XXXX couldnt verify the Items and were deleted. I would like to know how you verified the information listed in the attached letter named TransUnion 6 ( which is my 6th letter trying to resolve this matter ) when it is clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering Iost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX  XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXXXXXX Balance : {$780.00} ; XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit card

I maid payments of XXXX, XXXX, and XXXX on XX/XX/XXXX, XXXX and XXXX and it did not increase my account balance.
Product: Debt collection

Convergent Outsourcing sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX in the amount of {$2400.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that It has been 4 years since the last payment was made to the disputed phone account. The statute of limitations under California law to collect this old debt is already in effect and Convergent Outsourcing should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " If you do not pay the debt, Convergent Outsourcing , Inc. may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting ''. I believe this kind of action is a violation of FDCPA.