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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount 574 as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}.
Product: Checking or savings account

Submitted a dispute with USAA on XXXX XX/XX/2023 after XXXX delivered the completely wrong order ( a significantly cheaper order ) and refused to refund me multiple times. I submitted the receipt and photos of what was delivered to me as well as 3 chat logs where XXXX admitted they made a mistake and said I deserved a refund but due to policy, they could not grant one. I submitted this 3 times to the USAA dispute portal. After 60 days they said they had not received them so I called them at the end of XXXX and they asked me to resubmit a different way. This time they received all documentation and I received confirmation. It then was sent to the merchant and it has been in a waiting for Merchant 's Response status ever since. On XX/XX/XXXX I received a letter from USAA saying after a thorough and reasonable investigation was performed and reviewing all internal records and relevant information it was determined that no error was made and they would reverse the XXXX credit for they granted me. However, as of today XXXX XXXX the dispute status still shows waiting for XXXX 's response. I don't know how thorough an investigation it was that they found in the merchant 's favor when the Merchant still hasn't responded to the dispute. I contacted USAA on Monday XX/XX/XXXX to ask for the documentation that they used to come to their conclusion as their letter said I had that right. They submitted the request to their internal security team but as of XXXX XXXX XXXX still have responded but on XXXX XXXX they debited my account for XXXX. I feel like they closed this investigation without any action and without gathering any facts as the only evidence they have is mine and yet they found for the merchant.
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 this accounts ( A ). It is not permissible to fail to validate this 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 XXXX  XXXX XXXX XXXX Balance : {$7700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries pull without my authorization made on XX/XX/XXXX XXXX XXXX JPMBC card services CFNA ( hotel and travel )
Product: Credit card

My claim arises from an incident that occurred while traveling from XXXX XXXX. 

I booked a flight from XXXX XXXX on XX/XX/year>, through the Chase XXXX portal. Unfortunately, on the day of the flight, XX/XX/year>, a terrorism-related incident occurred, making it impossible for me to reach the airport. Despite my efforts to contact the airline to modify or cancel the flight, they were unable to assist because the booking was made through Chase XXXX, a third-party agency. Chase XXXX, in turn, was also unable to reschedule my flight or properly acknowledge the dangerous situation I was facing. Instead, they made the process more difficult, and I believe I was treated unfairly. Chase referred me to their card benefits service, indicating that they might resolve the matter, but the benefits service also failed to assist, citing a travel warning as the reason they couldn't compensate me. 

I believe my claim was unfairly denied for the following reasons : Travel Warning Timing : The travel warning for XXXX XXXX, cited by the credit card benefits service, applies to tickets booked before a warning was issued by the U.S. Department of State. At the time I booked my flight, the warning was not at a critical levelit merely advised travelers to take extra precautions. However, during my trip, a sudden and dangerous event occurred, causing the authorities to close the roads to the airport for the safety of travelers. The fact that my trip was booked before the warning escalated does not negate the reality that a serious incident occurred while I was there, preventing me from continuing my travel. 

Incident Preventing Travel : While trying to travel to the airport in XXXX XXXX, the unexpected security situation made it impossible for me to proceed. This incident was entirely beyond my control. I took immediate steps to inform all relevant parties, including the airline and the credit card benefits service. Additionally, I was in contact with the XXXX XXXX, which was coordinating an evacuation attempt from the area where I was held. 

Additional Expenses : Because my original flight was canceled, I was forced to book a new flight on the same travel day at a significantly higher cost. The total damages, including the cost of the new flight, renewal of my car rental, transportation between cities, and other expenses, amounted to approximately {$1500.00}. These additional costs arose directly from the incident and the lack of support from the credit card XXXX XXXX, which failed to assist in rebooking my flight or offer compensation. 

Despite these extreme circumstances, my compensation claim was denied due to the travel warning, which I believe was incorrectly applied. The warning did not coincide with the date of my booking, and the unforeseen incident occurred after I had already commenced my travel. 

I am requesting a thorough review of my case, as I believe the denial of my claim stems from a misunderstanding of the timeline and circumstances leading to my flight cancellation. I have submitted all necessary documentation, including proof of the incident and details of the travel warning, to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts are in violation of my federally protected consumer rights under15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXX XXXX I have spoken with a representative in the executive office whom has stated there would be no remedy even with proof of identity theft
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX XXXX XXXXXXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/2023. This is unauthorized application. I didnt recognized. Someone tried use of my info
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 seven 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: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handing out diluted I. Light of the recent CFPB lawsuit and issues with the Zelle. I used Zelle numerous of times and have reported some issues they didnt do anything about my problem .CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders/companies to exploit the system leaving users vulnerable to scams.please help with these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX  and I included it again. Kindly correct the following items 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: Mortgage

I had to sue my builder and through the process my attorney found out my mortgage lender had committed loan fraud and put me in a terrible predicament. I have a 35 page attachment. 5 page detailed explanation of the incident and exhibits to prove my complaint.
Product: Credit reporting or other personal consumer reports

On my three credit bureaus, it is showing XXXX  hard inquiries that were NOT AUTHORIZED to be pulled. It is showing, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. I have called, and emailed XXXX, XXXX, and Experian and still nothing till this day XX/XX/XXXX has been resolved.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$21000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$580.00} Late Payment XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$41000.00} Inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ; Late XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccurate and fraudulent accounts on my credit report with [ XXXX ]. These accounts remain on my report despite my previous disputes, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable investigation within 30 daysof receiving a dispute. However, they failed to investigate properly, making them liable for willful non-complianceunder 15 U.S.C. 1681n. 
Additionally, the CFPB is actively suing XXXX, XXXX, and XXXX for systemic failures to investigate disputes and for knowingly reporting inaccurate information. This proves their pattern of violating consumer rightsand further justifies the immediate deletion of all negative items. 
According to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to report only accurate information. Since these accounts remain unverified and inaccurate, they must be deleted immediately under federal law.

Furthermore, under 15 U.S.C. 1681c, any negative item older than 7 years must be removed immediately.

I demand the immediate removal of the following accounts from my credit report due to these legal violations Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Well when I first purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles with a Trade in Allowance of {$9100.00} for my Previous Vehicle XXXX XXXX XXXX XXXX miles and a down payment of {$3200.00}. I were told that I had a 3 year Warranty with my payments at {$450.00} but my payments were {$550.00} Although I said that I would just pay an extra {$100.00} towards Principal and Interest didn't know the {$100.00} I mentioned I would pay extra was already being included. Interest of XXXX % and daily interest of {$7.00}. So with paying {$100.00} more every month of {$650.00} over a year my Principal and Interest started to be applied and my Billing Statements were in the amount of {$350.00} sometimes {$150.00}. In XXXX I remember calling in to make a larger payment of {$1900.00} but were told I could only pay XXXX  months at a time. My monthly payments were lower by then to {$540.00} with an interest of XXXX % and daily interest of {$5.00}.
Product: Student loan

I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. 

As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. 

I'm happy to provide my account number or any other details that would be helpful.
Product: Bank account or service

I filed a Claim with Wells Fargo for paying for a product via ACH that I have not rec 'd to date as the Merchant refused to refund my money/problem solve to resolve the issue as USPS admitted they messed up and forwarded my package to another address because the Postman did not perform his due diligence to making sure I was the resident and not the prior residence at the address. 
Wells Fargo Claims Dept did NOT call me to discuss the matter and they denied my claim saying the transaction was valid and did not research to see I was not filing the claim for fraud but because I paid {$86.00} for a product I do not have. 
I have been bounced around for over an hour between XXXX-XXXX Wells Fargo Representatives who are not even taking the time to understand the issue.
Product: Checking or savings account

I submitted a police report for multiple disputes. Dispute number XXXX was denied even though my Identity and card were stolen and verified by a police report. 

This also applies to dispute XXXX And dispute number XXXX. 

All of these disputes have police reports or evidence attached. I even was willing to provide more information if requested. 

These were denied with no explanation and Chime literally did not provide a reason. These funds should be returned and I have trusted them with my money.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian credit bureaus have failed to remove the accounts associated with identity theft that they've received fraud reports identity theft affidavits police reports proof that I'm under XXXX  XXXX  and proof that there's no way that I purchased a vehicle or any got any credit cards and instead of removing them they continually lie on documentation and have said that I have received something of material effect which is a baseless falseless claim all of these accounts associated with my credit bureau currently are all fraudulent and I asked the consumer financial Protection bureau to actually do something about it instead of allowing them to continue to violate my rights and allow accounts that violated multiple Federal statues to continue on my credit report they have received proper documentation to remove these items and I request that you remove XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX which does not match my birthday it has a birthday of XX/XX/1981 which is not my birthday this again is fraudulent accounts allowing the usage of my social as well as credit bureaus and for the better part of 8 months I've been trying to get these items removed and XXXX Experian and XXXX lied and gave me forge documents that actually are baseless claims and completely falsified claiming though a XXXX person in assisted living is somehow purchasing vehicles and getting credit cards this is beyond pathetic the credit bureaus owe me significant damages and I want the money paid to me I've asked for months on end they violated every Federal statue that guides them and it's about time you guys actually do something I mean what do I have 140 complaints with you guys at this point and you've done absolutely nothing.