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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was closed due to a XXXX balance for a couple months but I was not made aware that this would happen. Also, I enrolled for a {$250.00} bonus offer ( see attached ) and completed all the requirements but never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX appeared on my credit reports and I have never dealt with them. I have inquired, to no avail, as to who is responsible.
Product: Money transfer, virtual currency, or money service

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

Fidelity Rewards Visa Signature deprived me of my lawfully earned cash rewards by depositing my cash rewards to phantom account. I have 12 accounts at Fidelity including two checking accounts. Ironically, Fidelity deposited my cash rewards on two prior months into the account I provided automatically. For the period ending XX/XX/XXXX, Fidelity deposited my cash rewards into a phantom account I know nothing about. And this came after I complained about a customer service rep. Fidelity gave me XXXX rewards points due to the unprofessional behavior of their rep. Now my account has been tampered internally by a Fidelity VISA employee. I want my full rewards points and any applicable penalties and interest by law. This is a clear case of retaliation by Fidelity 's rep and fraud by someone within their organization
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in multiple letters to Transunion concerning my credit report about unauthorized hard inquires and debt that there are reporting. According to 15 USC 1692 G that have to abide by this law. I sent out multiples letters over the few months my last letter was sent on the XXXX of XXXX and haven't got a resolution from my complaints.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, Equifax, and XXXX. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law XXXX XXXX code XXXX - XXXX in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Mortgage

Planet Home Lending sold my loan without proper notification to XXXX XXXX. This is now the third mortgage company in less than a year. It is completely unethical and unreasonable for a mortgage company to sell my loan WITHOUT notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Defendant is reporting false information to plaintiffs consumer and or credit reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  # XXXX date opened XX/XX/XXXX bal. {$3700.00}, Pref lease Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXXt # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have received a copy of my credit report and there is a debt of {$410.00} listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/16. I did not attempt to open any accounts with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, Approximately two to three months ago a collector by the name of Paramount Recovery Service was harassing my job with unwanted phone calls, stocking my place of Residence and harassing me indirectly. Onced I figured out why I was going through trouble with my job, my place of stay and indirectly being harassed from Paramount Recovery Service. Paramount Recover Service sent me a bill in my mail box, which, I dont know how it received my place of stay I phoned Paramount and explained to the lady working the phone that, that bill was disputed over five to six years ago for the fact that I had insurance and it was canceled by the insure at the time I was seen a doctor and please stop harassing me indirectly ; but still Paramount is starting it up again with the harassment and posting it on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enrolled in XXXX XXXX XXXX XXXX over 11 months ago to manage my credit card payments. XXXX XXXX  and BMO Harris Bank have agreed on a payment plan for me. I have honored their payment plans via XXXX. These two entities have been harassing me for months with phone calls, emails and submitting incorrect damaging info to credit bureaus... continually lowering my credit scores. I have contacted them and XXXX numerous times but these damaging actions continue.! They continually report I am delinquint on payments and/or have past due amounts. PLEASE HELP XXXX
Product: Mortgage

This company doesnt want to work with ous they are laying we told them that we are trying to refinance the mortgage and they gave me a letter till the XX/XX/2021 and they lied because the mortgage company that we are trying to refinance with they said that they filled a prefourclosure .I even head a attorney try to do a modification with them they will not do it they put ous to XXXX and we lost my mother because off them please help ous I am filling a attorney general complaint against them
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX ) Delete this account immediately because of violation of 15 USC 16815-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i & ( i ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) | ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) # XXXX Delete this account immediately because of 15 USC 1681s- 2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e (
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BRIDGECREST Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are incorrect and are adversely affecting my livelihood. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking account was closed saying for overdraft fees but I was only using my account for paying my car note had charges me fees up to almost XXXX
Product: Credit reporting or other personal consumer reports

I called Capital One Billing Disputes Department to request that they update all credit bureau reporting agencies to remove an old and outdated dispute flag that still appears on my account. 

Whenever I access my credit report, under the remarks section appears : " Dispute resolved ; reported by grantor. ''
Product: Credit reporting or other personal consumer reports

I have reported numerous accounts & inquiries to no avail. I am filing a complaint against TRANSUNION for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, experian consistently responds within 24hrs stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I have listed said accounts below. 

INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Money took from my cashapp and sent to someone XXXX XXXX while I was is XXXX, {$890.00} which I disputed on XX/XX/XXXX when I realized I was missing money, it was taken {$750.00} I disputed on XX/XX/XXXX, was taken XX/XX/year> {$780.00} I dispute on XX/XX/XXXX, which was took on XX/XX/year>, every Time I get my monthly direct deposit its taken from my cashapp and sent to someone XXXX XXXX and cashapp have not even given me a provisional credit! They already denied XXXX dispute for {$450.00} which whoever accessed my account without my permission use my cash card to spend money for {$450.00} at XXXX  and they denied my dispute for that! Didnt even offer a provisional credit or anything during investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX BANK XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX FIN XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you regarding an inquiry on my credit report that I did not authorize, and which has no permissible purpose under the law.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate, misleading, and unverifiable information reported on my credit file by the credit bureaus, creditors, and collection agencies. Despite multiple attempts to dispute these inaccuracies, my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been consistently violated. The information being reported is both inaccurate and a violation of my consumer rights, as outlined below. I have made several attempts to address the inaccuracies on my credit report through disputes with the credit bureaus, creditors, and collection agencies. Despite these efforts, they have failed to comply with their legal obligations under the FCRA, 15 U.S.C. 1681s-2, which requires that all information furnished must be accurate and verifiable. Additionally, they have failed to provide sufficient evidence to validate the debts or correct the discrepancies. 
XXXX XXXX : Discrepancies in credit limits between bureaus. 

Failure to properly update status post-dispute. 

XXXX XXXX XXXX Marked as Paid Derogatory and Collection/Chargeoff. Inconsistent reporting across bureaus. 

Settled accounts inaccurately labeled as active debts. 

XXXXXXXX XXXX : False reporting of past-due balances. 

Charged Off status inaccurately listed without validation. 

XXXX XXXXXXXX XXXX  : Inconsistent Last Activity dates between XXXX and Equifax. 

Chargeoff listed with no supporting evidence of verification. 

Name Discrepancy : Reporting XXXX XXXX and XXXX XXXX. This is incorrect and misleading.
Product: Vehicle loan or lease

I have been making extra payments toward my auto loan. Towards {$300.00} extra a month, which is double my payment amount. I am realizing that the additional payment is not being applied totally toward principal. Aside from the fact that the assumption should be made that my efforts are precisely to pay off my loan quickest and extra should be applied toward principal, I am told today that I have to mail a check or walk into a bank in order to do this. XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian and XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 times in the last week I have received an email telling my my Chase Bank account has been compromised and that I would login to change it. I dont have a Chase account. Never had a Chase account and am getting tired of the regulatory agencys doing nothing about it. This scam could easily take a elderly person as it appears legit. Email is originating from XXXX However in you inbox says Chase Bank with their logo.
Product: Bank account or service

I had an account closed due to a check that was written to me and they did n't have the funds. I paid the fees and was told I would be taken off of the XXXX. 3 years later they finally got around to getting that done, however, they did not tell me that they would keep me on the XXXX, which is owned by their institution. So I am still dealing with the same headache of not being able to open a checking account which is hindering my life and costing me a lot of money. I have tried appealing again to their fraud department with no luck. I do n't want an account with them, I just want to be able to move on with my life and they are preventing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX XXXX account XXXX
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 and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was sold without my authorization, resulting I in the improper reporting of debts by XXXX XXXX XXXX and Midland Credit Management. Despite my repeated attempts to obtain proper validation of the debts in question from XXXX XXXX XXXX, I have informed them multiple times of their violations of the law, including their failure to provide essential documentation such as proof of my agreement to the debts, evidence of their ownership of the debts when originally in collections, and proper licensing to collect debt in my state, as required under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported discrepancies to several accounts on my credit reports with each reporting agency XXXX, TransUnion and XXXX and they continue to report inaccurate information. This inaccuracies are hurting my credit score.
Product: Credit reporting or other personal consumer reports

Equifax has shown an error code " BLNK '' when I sign in for the past year. I have tried repeatedly to call the company and correct the issue but I am treated rudely and have to wait for a very long time before I am answered. The last time I called I was not given sufficient time to gather the needed documents to verify my identity and rushed off the phone. 

The company knows there is an error with my report, I should not have to call a rude overseas callcenter and hand out my ssn only to be unable to fix the issue.