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

XX/XX/23 i sent transunion a letter asking them to verify the debt that they are claiming to to be reported on my credit and have charged off. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Product: Credit reporting or other personal consumer reports

On my XXXX and experian report theirs is XXXX negative item that's 90 days late last XXXX of account XXXX this item supposed to be removed from my experian credit report and XXXX my social security number is XXXX theirs a federal trade commission identity theft report on file please have experian remove the account and XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Debt collection

On XX/XX/2023, I had paid the XXXX balance in full on the account and received an email from the debt collector true accord that the payments were paid. Yet, I show on all three of my credit reports that there is an outstanding debt with this collection agency and that there is no up to date reporting reflecting paid.
Product: Bank account or service

Chase Bank has fraudulently, illegally collected thousands of dollars in overdraft fees from my account as part of their " Overdraft Protection Service, '' despite me sending multiple letters to their corporate offices via certified mail making clear in extreme detail that I did not want the service, was extremely dissatisfied with the service, thought their marketing of the service was unethical, and that I wanted a refund. After agreeing to refund {$500.00} " as a courtesy ( despite having taken {$6000.00} in the past 24 months alone ), Chase CONTINUED to assess fees are refused to turn off the service. I again mailed them and they responded, and again refused to turn off the service, which they claim is optional. Furthermore, they have no stated that they will not even discuss the issue with me further, and they are STILL COLLECTING FEES. It 's unbelievable that the bank has such flagrant disregard for their customers. I 've told them repeatedly I do not want an " optional '' service - yet they refuse to remove it - and have collected thousands upon thousands of dollars as a result.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently found a lawsuit against experience, alleged, systematic issues, such as failing for custom consumers provided evidence to furniture, accepting unreliable response and failing to adequately notify consumers of dispute outcomes. These failures I with my experience work experience has needed the correct and no removed disputed items. Despite the evidence I provided causing ongoing home to my credit standing I am requesting immediate corrective action to remove amend the dispute accounts experience in action, violence, federal law, and my right is a consume.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my consumer file dated XX/XX/2022 from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am filing a complaint. I am not sure if I am doing this correctly.. the company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX The Complaint is : this lender has placed this loan on my credit report twice, we have called them more than once to have this issue fixed. The last call was todayXX/XX/XXXX I spoke with XXXX, and he yelled at me, and would not address the issue. I told him the situation, and he hung up on me. Below you will see how it appears on my credit report. Two different accounts, same everything. I would really appreciate your help. I purchased a vehicle from a car dealer, the car turned out to be a lemon and broke down within 1-2 weeks, we were promised repairs or exchange of vehicle. Never happened. We contacted XXXX XXXX, XXXX to inform them we would be turning in the vehicle and not paying the loan. XXXX XXXX told us this would be placed on our credit as " voluntary repossession '' which never happened. XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$4700.00} Payment Status Charge-off -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$3100.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 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 XXXXXX/XX/XXXX Here I attach , along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Please validate this information with XXXX XXXX  and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Debt collection

Resurgent Capital Services L.P. Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, XXXX XXXX XXXX XXXX, AND all three major credit bureaus. When I previously disputed this item -- Resurgent Capital Services L.P. response was providing a statement from XXXX showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. XXXX XXXX XXXX XXXX required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My XXXX CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. 

My next step is to file a complain with the Florida Attorney General 's office and also to file suit against Resurgent Capital as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that Resurgent IS still attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXXwhich is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both accounts had combined payments through XXXX XXXX. Also, how can the months of XX/XX/XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.
Product: Debt collection

They called me everyday for months about a debt amount I do not agree with. They were calling me everyday. I tried to resolve the debt but told them I paid XXXX they do not have a record of. I refuse to pay bc of that. The calls were so bad I told them to stop calling me XX/XX/XXXX. I repeatedly blocked their number but they would call from different numbers. They called XX/XX/XXXX, XXXX, XXXX etc. They stopped calling for like 2 months. I just got another call from Portfolio Recovery today, XX/XX/2020 at XXXX. I can't take it anymore.
Product: Debt collection

I lived at the apartment complex from XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX I submitted a XXXX day notice to terminate my lease early, which was allowed in the lease with a XXXX day notice. I received my final bill in XXXX and paid before the due date and had a {$0.00} balance when I turned in my key on the XXXX of XXXX. I left my forward contact mailing information as well as confirmed they still had my phone number and email address for further correspondance. 

In XX/XX/XXXX, I receive a letter from a collections company " National Credit Systems , Inc. from XXXX, GA. They vaugely stated that I had not made a suitable arrangement to resolve the above-referenced debt amount of {$830.00} to XXXX of XXXX XXXX XXXX I have not received any sort of bill or for that matter an explaination of why I did not receive my deposit back. 

Approximately a week after the letter arrived I received a phone call from XXXX XXXX stating that I owed this debt. I advised him that I had not received any itemized description of this debt. He said that if I give him my email that he would send it to me. I told him that I will not give him that information and that he can send an itemized invoice throught the mail just like the last letter. He then stated that I was being difficult and that he would escalate this to the next level and then disconnected the phone call. 

After this I sent a certified letter with return receipt asking them to explain the debt and show proof that I owed them the debt via XXXX. I received the return receipt XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that is the exact same letter I received the first time. I have both letters in my possesion. I also received notice XXXX days ago via email that the collections agency has reported this debt on my credit report. 

My official complaint on this company is their actions are in violation of the " Fair Credit Reporting Act ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my loan in XX/XX/XXXX with Wells Fargo, who is the same mortgage company that I used when I purchased my home in XX/XX/XXXX. Because I had made my payments on time and did n't walk from my underwater house like most others, I was eligible for the harp program. I went through the process and refinanced at an interest rate of 4.625 %, which was 1 % higher then the market rate at the time. My loan XXXX told me that the HARP program carried higher rates because of the risk premiums due to the home being underwater. I was also told by the loan XXXX that I had to use Wells Fargo for the refinance because only the current mortgage holder could refinance under the HARP program, so, I had no ability to shop. The refinance still made sense financially at the time so I proceeded. I received a call recently from that same loan XXXX informing me how low rates are and offering to refinance me. When I explained to him that he already refinanced me under the HARP program and that my understanding was that we could not again he indicated that he never used that program for me, rather, he used an internal program that wells fargo created that was similar to harp. He must have forgotten all of the lies he told me originally. I explained to him that my home is still underwater so a normal refinance would not work unless they had a similar program they could refinance me. He agreed and said they do not have any programs that could refi me if I am still underwater and that HARP could not either because my new loan was originated after XX/XX/XXXX. So, I was misled and deceived to believe at the time of my refinance in XX/XX/XXXX that I was refinancing under the government program HARP and had no ability to shop so had to take what they were giving me only to find out that it was a made up program so wells fargo could make as much interest on me as possible. I am a business man and understand the importance of maximizing your profit, however, This program was created for those who were doing right thing and making their payments on time, despite the fact their home was over 100 % underwater, to help make things affordable. I could have just as easily walked away like most other did and stick them with my house that is still underwater by XXXX. But still, I was offered a rate of 1 % over the market rate at that time and am now stuck in this loan because of their deceiving practices because I am still underwater. This program was to help the American consumer but wells fargo still found a way to take advantage of me. I have dwindled most of my savings to keep up with the payments and am simply asking for Wells Fargo to do the right thing and refinance me ( not modify ) at a 3.625 % rate, which is the rate I should have been offered and closed at in XX/XX/XXXX. If they were able to refinance me before under a program they made up that was similar to harp, then they should be able to do the same to make this situation right
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not follow FCRA LAWS. They do not provide reasonable investigations. 
They are recorded saying that they dont conduct investigations. 
My complain is SPECIFIC. 
Experian needs to review everything I submit and provide an investigation and make a decision
Product: Credit reporting 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 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 hand written instructions.
Product: Prepaid card

I stayed in the car and send my wife to withdraw money from atm at XXXX at XXXX Texas XXXX. She had my serve debit card. I gave her the pin and asked her to withdraw XXXX if it did not give her the amount to cancel it, and we can withdraw it from another bank. When she saw that the atm was going to charge her a fee she declined the transaction. As she declined it no money was dispensed. We immediately left to another bank to try to withdraw the XXXX not knowing that American Express had charged me the XXXX to my card when no money was released.I called american express they informed me that they will see if they refund me, in other words they do not want to refund me. Another thing the ATM only dispenses up to {$400.00}, how could they release XXXX. I never received the money yet american express charged me the XXXX Immediately. They have camaras at the Atm no money was dispense even XXXX has cameras so they can see no money was released. I spoke to the manager called XXXX and they informed me I had to contact the XXXX, when I called them they informed me to file a complaint with American Express
Product: Debt collection

Recieved a letter stating i owed a debt from XXXX XXXX ..i currently have a credit line at XXXX XXXX  contacted there fraud service they stated my credit is in perfect standing and have no idea what it is... i contacted XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX the XXXX of XXXX XXXX mountian stadard time they at one point said the debt is not with home depot but could not give the name of where the debt was from..I then asked for original doc of debt they stated they will try to get it. Legally they need to give me company name i owe the debt to and have failed instead giving me a false company i which my credit is perfect.Im seeking full compensation allowed..
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been a victim of identity, theft, and found numerous credit increase I have no knowledge of. Here are the inquiries that I found : 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.
Product: Debt collection

I am submitting this complaint regarding LVNV Funding LLC for their violations of consumer rights. Notably, LVNV Funding LLC has been found in violation of consumer protections in cases such as XXXX XXXX LVNV Funding, LLC, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX where the court held that LVNV violated the FDCPA by attempting to collect on time-barred debts, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, where similar violations were noted. These precedents further highlight their pattern of misconduct. Upon reviewing my credit report, I discovered that LVNV Funding LLC has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. 
This action constitutes harassment, defamation of my character, and an outright violation of my rights. LVNV Funding LLC is collecting on behalf of XXXXXXXX XXXX XXXX XXXX  which has an arbitration clause in its terms and agreements. If this alleged debt were indeed mine, it should have been resolved through arbitration rather than being transferred to a debt collector. By taking this course of action, LVNV Funding LLC and XXXX XXXXXXXX XXXX XXXX. have violated their own contractual terms, further infringing on my rights. 
Additionally, my private information has been improperly shared with LVNV Funding LLC, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress. 
I urge LVNV Funding LLC to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations. 
I am requesting a prompt investigation into this matter and expect confirmation of corrective action within 30 days. Should LVNV Funding LLC fail to address these issues, I will pursue further legal and regulatory actions to protect my rights. This is not a matter to validated this debt that should have taken place prior to communicating with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Attempt! Today the company responded with data about inaccurate reporting, which isnt my complaint and they didnt answer my complaint. I can not access my credit report and have not been able to in over 2+ years. Then, CFPB marks the case as closed without reading the companies response for they clearly would have noticed the company did not address the complaint.

Problem : I CAN NOT ACCESS MY CREDIT REPORT DESPITE MAILING DOCUMENTATION TO CONFIRM MY IDENTITY!

Complaint : On numerous occasions in the last two years have worked with Equifax to gain access to my credit report. I have called them, certified mailed documents that include ( s ) my social security card and drivers license. However, I still have not gained access to my report and neither can borrowers. Today I spoke with Equifax, again, and they are telling me they have not received the documents I have mailed twice before and that I need to send them again. This is affecting my life.
Product: Checking or savings account

Bank of America closed my account. I need it for my tuition