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

Received an alert via XXXX XXXX credit monitoring that there was a new hard inquiry on my credit report for a credit account i did not apply for from XXXX XXXX XXXXXXXX XXXX. Trying to stop this before it turns into a fraudulent account but i guess this is why identify theft is a big business, since i have to jump through XXXX hoops and have called XXXX different XXXX numbers and still have no help or way to stop this.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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 than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 that the information is inaccurate.
Product: Debt collection

I had an account XX/XX/2015 with XXXX/ Cont Finco. I closed it and then settled it as paid in full for less. I ask them to remove the account after i settled it. they said they could not.
Product: Mortgage

Starting XXXX XXXX Bank of America started contacting me about or payments not being paid, I then contacted my wife and it was an error on her part, she was making the payments on line but did not hit process payment so it didn't go to the account. She then made a payment that day for XXXX, then the next day made another payment of XXXX also have confirmation numbers, according to them we were behind two months because XXXX had been paid and they applied it to XXXX? Since then even after she called them and thought it was taken care of they continue to call, my wife even told them that those were late charges and we only owe less than XXXX for a house worth XXXX? This is complete harassment and I have told them that! This has been going on for three weeks, them calling at my place of business and also the attitude they have about this whole thing! Please help I cant take much more of these embarrassing phone calls or a waste of my time! Its not like they are not going to get paid DUH!!! that we be stupid on our part.
Product: Credit reporting

My, name needs to be added by Equifax to the : XXXX Equifax Information Services LLC, Settlement Administrator. 

According to Equifax I am a part of the lawsuit but my name has not been given to the settlement administrator.
Product: Payday loan, title loan, or personal loan

Due to loss of hours due to COVID, I applied for a loan from SpotLoan, they promised that if you applied by XXXX XXXX. you would have the loan by XXXX XXXX., if after XXXX XXXX  you would have the loan the next day. That was Monday, XX/XX/2020. On Weds. morning XX/XX/2020 the money had not been deposited and I started accumulating NSF fees for the bills not paid that I applied for the money for. I called the support line, but it was not open, so I email support and told them that either a ) I needed to add more money due to NSF fees, or b ) I needed to cancel the loan. You have 3 business days to cancel the load according to their policies. The NSF fees caused my account to go into overdraft. I checked at XXXX XXXX. and SpotLoan HAD deposited the money before contacting me as requested. So now, even though they state you can cancel within 3 days, I don't have the money in my account to return it to them due to them not upholding their promise to have the money deposited the next day.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

My account balance is showing the wrong amount on my XXXX, XXXX XXXX TransUnion. My account balance is supposed to show paid in full which is {$0.00}, but it's showing i owe {$440.00}. CFPB is supposed to insure ACCURATE information on credit report.
Product: Credit reporting or other personal consumer reports

Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : I did not authorize nor do I have knowledge of this inquiry. 
Clarity Services A Part of Experian.. on behalf of XXXX XXXX XXXX Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX ; inquiry date XX/XX/year>
Product: Mortgage

The mortgage company is holding a large sum of funds aprox {$96000.00} that we received as final payment for a claim on our home, and newrez who purchased our loan from XXXX XXXX will not release the funds so we can pay the XXXX who performed the services. XXXX XXXX loss draft department contacted our insurance company and received all the documents needed to release the funds, newrez does not call or contact me by another company XXXXXXXX XXXX XXXX stopped the release and are holding funds. I have emailed with XXXX XXXX without reply as to why they are holding our funds without cause. I have called in the XXXX number and spoke with XXXX XXXX who could not repeat back to my my address after I gave it to him. ie : he asked for my address and I told him XXXX XXXX XXXX XXXX to which he repeats back to more " XXXX '' I give my all my information and he says my information does not verify and he can not help me, I believe there is a language barrier that is impeding his ability to communicate. He refused to transfer me to XXXX XXXX or to a supervisor or anyone else who can help me because I can not be verified. I asked how is it that XXXX can email me and call me but I can not speak to him and XXXX will not forward me to someone else who can help me get our funds released. 

Our home was previously inspected by the XXXX XXXX inspector who gave us a 100 % completion notice and at the time released all funds in escrow. However we were still battling with XXXX insurance over the repair costs. 

We desperately need our escrow funds to pay our contractor and would appreciate your assistance in helping us get those funds. 

XXXX XXXX has previously closed our file as 100 % complete and told us the funds would be sent then XXXX purchase the loan and now will not release those funds. 

We do not want a lien placed on our home because our mortgage company won't reply or provide English speaking people to service our calls or reply to emails in a timely manner. Our insurance company called to state that someone left them a message that was so fast in speaking they could not even respond to the request. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Owed : {$150.00} ; XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$700.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$0.00} ; 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX , XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX
Product: Debt collection

I am filing this complaint in hopes that your CFPB can assist me in resolving an unfair business dispute between my company and XXXX. 
We had salesman contact us from XXXX and offer us an attractivesolution to our advertising needs. However as it turned it was n't. 
First and foremost their salesman flat out lied to me and when hewas questioned about it, he told us we could get out of the contract for {$300.00} I cancelled within 3 days and theirsalesman kept putting me off with excuses and promises. 
The product is inferior and misrepresented. XXXX did n't let out of thecontract until 3 months later and now they say I owe them {$2900.00}. They keep putting off the customer until the bill is racked up enough for them to make money. Also the salesman that signed us up no longer works there which is who made the offer to begin with. Please help.
Product: Credit reporting or other personal consumer reports

I was trying to apply for something, realized I had damages on my credit report. According to the law 15 U.S.C 1681 law, there should not be any damages on my report. Its a defamation to my character.
Product: Money transfer, virtual currency, or money service

I am submitting this formal complaint regarding Zelles inadequate handling of transaction disputes, which I have personally experienced. Despite using Zelle multiple times and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions could not be effectively performed. The Consumer Financial Protection Bureaus ( CFPB ) recent findings have further highlighted systemic issues with Zelle, including a failure to protect consumers from fraud and allowing repeat offenders to misuse the platform without proper intervention. This ongoing lack of accountability and transparency is deeply concerning and leaves users, including myself, exposed to financial harm. I urge the CFPB to take decisive action to ensure stronger consumer protections and proper oversight of Zelles dispute resolution practices.
Product: Payday loan, title loan, or personal loan

PNC is very disorganized. My husband who I am in the process of divorcing, reached out and spoke to a representative to open a home equity line of credit on my name. He was able to get everything done via phone call and then pressured me to the bank to sign. I was XXXX months XXXX XX/XX/2019 XXXX XXXX  and wanted no drama since I had a high risk XXXX. To my understanding the account was on my name so he had no rights to the HELOC. Little to my surprise PNC sent the card the our home address and he created a pin and began using the funds. When I came to know of this, XXXX XXXX XXXX XXXX XXXX XXXX I went to PNC to notify the bank branch. I explained that the charges were not made by me but rather my husband, I went in on a Saturday, XX/XX/2019 to be exact. I was informed that I needed to go back on a business day. I returned to the bank on Monday XX/XX/2019. During my visit and explaining the situation, the representative was more interested in the " juicy '' personal details rather than helping me. The representative went on to state that my husband had gone in the branch and asked for the pin to be reset on the XXXX XXXX   card, to which she willfully admitted it was " suspicious '', but yet she went ahead and did it anyway? I was 3 weeks XXXX at this time and living in fear for my life. I asked for the line of credit to be closed and the representative said " we can not close it unless you are paying off the $ XXXX ''. She never guided me to dispute the charges or advised on what steps to take. She did call the XXXX number and tell them the situation, but at no point did ANYONE of PNC advise or help me. I was in an XXXX relationship with a XXXX XXXX XXXX and needed guidance. PNC is a joke and a waste of time. When I finally got my life in order and disputed the charges, the excuse I am getting is that the charges can not be disputed because the PAYMENTS were at one point made form a joint account. What does that have to do with unauthorized charges on my behalf which I reported as soon as I became aware? I have been put through the ringer with PNC, they have not been timely. In fact they have made so many errors. They kept sending statements I was requesting to my husband in Florida. He changed the address on file. I have been trying to get issues corrected, but no one is willing to give me the time of day. As a new, single mother who is working full time to provide for my daughter and myself I have received ZERO empathy or understanding from this company. Such a shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

After providing their internal file number for me ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

The items I asked to be investigated are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  pulled my credit report without authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2018 XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting

there are too many reports on my credit that have been paid off and are still in my reports and derogatory chargeoffs that shouldnt be there
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

some one forged a personal check from my account form santander Bank for {$800.00} and three weeks later some one tried to cash a {$1200.00} from my check and on XX/XX/2020 i got a call from the bank saying that some one in a different state tried to take money out of my new account with a fake passport. i filed three police reports one for every incident.
Product: Credit card or prepaid card

Key Bank has recent late payments reporting on my credit report and I have never been late. I have attached enough information to prove they are in error. They have adjusted so many fees and " supposedly '' fixed my account so many times that I gave up using them. I paid my account off and took all my other money out and closed all my accounts with them. You can see how they kept adjusting fees but the account still continued to show past due amounts growing larger and larger which is crazy because I was never late! 
I have contacted my attorney and the next correspondence will be from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Debt collection

Id like to see the orginal contract that was signed in XX/XX/2012to verify my signature on he XXXX cell phone bill account. The current amount owed according to the caller is {$930.00}. I am disputing the debt and request it to be validated. They called me and I told them Id have to call them back later because Im currently at work. The caller then wanted to transfer me to someone else and continue to inquire about the debt. Im disputing the debt and would like it validated and I request that it be removed from my credit report immediately.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under en open end consumer credit plan as late for purpose.