23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not reviewed my credit report because I never felt the need to utilize it. Until recently, my child is about to finish grad school and I wanted to help him. I noticed that I am a victim of Identity theft. I contacted my lawyers and they told me to fill out an FTC document with my supporting documents and submit to you. I expect a swift removal because I am going to seek litigation against the man who did this to me.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have done a chargeback on an airline due to covid-19, after waiting around 60 days I get the notification that I have been awarded the dispute. So they return me the money and now I had a negative balance of around {$6000.00}, on XX/XX/XXXX at XXXX XXXX I contacted with XXXX asking if they could transfer me the money to my checking 's amount and I told them if they could transfer {$5000.00} back to my account. He told me he would do that and I waited. Again I messaged them on XX/XX/2020 if they could transfer me a balance of now of {$4000.00} since the negative balance had gone lower than {$5000.00}. XXXX told me that it would take 2 to 3 days, I waited and once again I haven't received my transfer. I again contacted citi support on XX/XX/XXXX with XXXX telling him that I have tried 3 times and it's almost been a month and they haven't transferred my negative balance to my checking 's account. He said he would take care of it and wait for 3 and 5 days for the transaction to be completed. It's now XX/XX/XXXX and I haven't received anything. I just want my negative {$4000.00} back to my checking 's account without being told to wait and nothing ever happening
Product: Credit reporting, credit repair services, or other personal consumer reports

good afternoon I write today in hopes to solve a issue I have with transunion and there non compliance of investigations they have claimed to have done. I have been going back and fourth with this agency for months now. timeline is as follows and I also have included all paperwork to support this complaint. 

XX/XX/XXXX I put in a request asking for transunion to ensure accuracy on a account with XXXX XXXX XXXX  partial account number XXXX because fcra states as a consumer I have the right to ensure everything on my credit report is accurate, up to date, complete and consistent. I just wanted for them to ensure maximum accuracy. 

XX/XX/XXXX transunion responded by verifying this account and updated it. 

XX/XX/XXXX I requested information on how they verified this account and who they spoke with so that way I may follow up. I have yet to receive any info. 

XX/XX/XXXX transunion sent me back results claiming to have updated this account and a change was made based on my dispute. Not Specified. 

XX/XX/XXXX I responded back to their agency asking what did they update seeing absolutely nothing was updated. not a single field was changed. I went on how they are being unfair to me as a consumer by sending me false results pro longing my dispute process by sending me stall tactics as these results. 

XX/XX/XXXX I received more results from their agency claiming to have updated and a change was made based on my dispute. Not Specified. again absolutely nothing was updated. everything is reporting the same word for word. I noticed the Date Updated field reports as XX/XX/XXXX. why is this date before the date transunion issued me my results? this tells me they are taking my disputes for a joke when all I asked was who did they contact and talk to in order to properly verify this account and at this point I am calling them out on their violations of being unfair by ignoring my request. this account is causing me much stress because it is preventing me from trying to apply for new credit lines. I have asked them to verify this account for me and yes they did but when asked for further information regarding all my results they simply can not provide such information instead they send me the same report results over and over again. I continue to research my rights under consumer laws and it led me to file a complaint in hopes you can help me with this issue regarding transunion. transunion is in non compliance by conducting illegal practices under fcra law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Fraudulent inquiries from XXXX is XXXX and with XXXX is XXXX XXXX XX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX  XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX   XXXX XXXX XXXX XXXXDispute US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company listed as XXXX XXXX and the creditor XXXX XXXX have deliberately REINSERTED an old debt ( Acct # XXXX ) that was previously DELETED from my credit files in XX/XX/2023. The account is currently being listed twice for {$790.00} ( XXXX XXXX for XXXX XXXX ) and {$320.00} ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch wit someone from experian they explained that possibly one of the credit agencies entered my social security numberin wrong. I recieved my free reports from each agency, and there was an incorrect address on my XXXX report for someone in Ohio. After sending in identification to prove that i am me, XXXX told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else
Product: Checking or savings account

Without prior communication through text or via email directly. navy federal is supposed to communicate with you prior before moving your money prior to a direct deposit in managing your funds. Instead of communication they decided on their freewill to move XXXX to a charged off checking account. Due to my prior complaints no negotiations was had nor any attempt just moved the entire lumps some over.
Product: Credit card or prepaid card

Call me its urgent its many consumers a hacker named XXXX XXXX Has hired XXXX  to hack me steal from my bank and close my accounts And sone very serious things to me Cash app is so bad thry steal and yhrn XXXX talk yo me and call me a liar Please call me this is serious XXXX Thank you Its emergency with yhr hacker she stole my entire identity y Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THE CREDIT BUREAUS AND XXXX FINANCE MULTIPLE OF DISPUTES ASKING FOR VERIFICATION OF ALLEGED REPO THAT THEY ARE REPORTING ON MY TRANSUNION ACCOUNT. 

SEEMS TO ME THAT THEY CANT VALIDATE THE DEBT, AND ALWAYS SENT ME BACK A FRIVOLOUS RESPONSE. SOMEONE IS LYING AND NOT DOING THERE JOB. 

AND I NEED NECASSARY ACTION TO BE TAKING IMMEDIATELY. 

I WILL NOT ACCEPT THE STALLS ANYMORE. 

PLEASE HAVE THEM TAKE ACTION ON MY RESPONSE. 

I WANT TRANSUNION AND XXXX XXXX TO COMPLY TO ALL FCRA & FDCPA LAWS. 

SEE ATTACHMENTS BELOW
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX , sent a letter off on XX/XX/XXXX. I requested the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FCRA, the term " investigate consumer report '', means that a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other whom I am acquainted or who may have knowledge concerning any such items of information. 

The bureaus stated that my accounts were verified but how is that possible when they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. 

According to the FCRA 15 USC 1681, all information reporting to the credit bureaus must be 100 % accurate. I have the credit report showing the inaccuracies. 

Listed the Accounts : XXXX XXXX  Account # XXXX, XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX Inquiries : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Account was enrolled in autopay on XX/XX/XXXX, autopay was disabled for no reason and late payment reported to bureau without any notification that account was delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these companies has violated my rights : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

During the sub-prime lending crises, I refinance my mortgage which added XXXX to a XXXX mortgage. I paid XXXX approximately {$170000.00} over 15 yrs. They sold my mortgage to another mortgage servicing company ( XXXX ) in XX/XX/XXXX who then collected over XXXX. XXXX then sold my mortgage to another mortgage co., who are now set to collect another XXXX under an ARM set to balloon in a couple of years with a maturity date in XX/XX/XXXX. How is it that I'm paying 5x the value of my home?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that I have a balance of {$2200.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit reporting agency that they are reporting this to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report. I asked for documents that would show an original contract bearing my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law and also by what the FCRA says, they have to provide me with a contract that has my signature on it. On the credit report it shows the name of this company, but I do not know where this debt came from, I never had an account or a contract with them that says that I have an obligation to pay them anything. I want to see the original contract in order to validate this debt, I dont want to see no account statements or no itemized piece of paper because that is not enough to validate this debt, if this documentation that I have asked for cant be provided to me than delete this debt or account from all of the credit reporting agencies that it has been reported to.
Product: Student loan

I keep getting incorrect information from Navient concerning my forbearance, being bullied into a consolidation loan, told my loan was NOT eligible for forgiveness when on the Navient list  XXXX XXXXXXXX XXXX XXXX as XXXX of the schools which is eligible for forgiveness, and losing my financial information for an income based payment plan which the Navient rep said she received and my monthly payment would be XXXX. 
All the while, Navient has wrongfully destroyed my credit score preventing me in getting any consumer loans which would help me financially to get me back on my feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX XXXX {$220.00} XXXX  XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late payments by Wells Fargo on my credit report. Despite my initial dispute, Wells Fargo failed to provide legally required verification, including proof that billing statements were sent at least 21 days before marking payments as late, as required under TILA 15 USC 1666b and 1637 ( b ). Their selective reporting of negative information while disregarding on-time payments presents a misleading and incomplete representation of my credit history, violating FCRA 15 USC 1681e ( b ) and 1681s-2. I am requesting immediate correction of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of my student apartments back in XX/XX/XXXX, i had 3 roommates. There were no final charges billed. I was never sent a bill with my move out charges but today XX/XX/XXXX I logged on to the XXXX XXXX to find that they are wrongfully charging me {$1000.00}. I paid all of my months rent and there should be no reason for this overage that is now affecting my credit, and my co-signer XXXX XXXX XXXX credit, resulting in multiple denials.This is false an inaccurate reporting a violation of FCRA!!!
Product: Vehicle loan or lease

For XXXX months in a row, Alliant Credit Union in XXXX has taken XXXX payments instead of the XXXX payment I authorized as appropriate for my responsibility for paying on my recreational vehicle loan. In XXXX Alliant fixed the problem immediately. In XXXX they took XXXX {$400.00} payments instead of the XXXX {$400.00} payment authorized, and they refuse to reimburse the {$400.00} they took illegally. I have received numerous written responses from their customer service people and so far XXXX phone calls with all kinds of excuses and promises about how my money will be returned to me, all of the dates promised past. This is a very dishonest disreputable company. I suspect senior adult discrimination.
Product: Debt collection

Financial Corporation of America is harassing me for XXXX XXXX XXXX XXXX for a debt I do not owe and for services never rendered.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that highlights serious issues with the platform. Despite being a frequent user of Zelle and reporting discrepancies, my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the platform, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises significant questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single inquiry on the report except for XXXX and XXXX XXXXXXXX auto are not his.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/2017 XXXX {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.
Product: Student loan

Discover Student Loan < Repay Assistance date Tuesday XX/XX/2021 XXXX XXXX  : As the cosigner for XXXX XXXX student loan you are responsible for making payment on the loan I XXXX XXXX XXXX address XXXX XXXX XXXX XXXX New York XXXX has not or never has signed for a student loan from Discover Bank : As suggested I have called, placed a credit block on my credit and sent them a cease and decease letter I personally have request from discover bank to send me record of my signature how much is owed : I never received any copies of the loan stating the interest rate repayment plan nor have an understanding of when the loan or what type loan was taken out until I received an e-mail claiming I owe them money I am being ask to repay a loan without a loan number : P : s For tax purpose Ein # would be used
Product: Credit reporting or other personal consumer reports

pleas check the information concerning the Equifax data breach below attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$200.00} was paid by chaper XXXX and it has been placed on my report several times. 

XXXX XXXX- account belongs to XXXX XXXX I wrote to have my name removed from this account due to it was added without my permission. 


XXXX XXXX is not my account. 

XXXX XXXX refused payments due to I wouldn't renew my loan. 

XXXX XXXX is not my account XXXX XXXX supposed to fixed the merchandise and never did. I spoken with the manager at the location. Also advise them to come get it back.