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

Hello. On XX/XX/21 and went to a car dealership in Maryland called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to look at a vehicle I was interested in. I applied for a used car loan through XXXX XXXX XXXX on that same day. The car that I was interested in was a little more than the loan that I was approved for. When I asked the sales representative that I was working with if hed be able to work with me around the loan that I was approved for through XXXX XXXX, he said yes. I ended up refusing the vehicle due to some issues that I discovered with it on the test drive. About a week later when I checked my credit report, I realized that there were 2 hard inquiries from the day that I visited XXXX XXXX that I did not authorize. The sales representative there must have run my credit on his own to see if he could get me a loan for the full amount of the car, but I did not consent to this. On XX/XX/ I tried disputing the inquiries through the credit bureaus on which they appeared, but was told that The only way to do so with through the company itself and then through the CFPB if The company would not resolve it. I called XXXX XXXX on that same day ( XX/XX/ ) & no one responded to me ( still hasnt ). I would like these inquiries to be removed immediately as they were not a result of my consent to run my credit ; I didnt authorize it and I wasnt even informed that it would be done.
Product: Money transfer, virtual currency, or money service

When Zelle first came out, I didnt know how to work it nor unsend this. I basically would send money through zelle and I was scammed, called my bank and let them know but it wasnt anything they could do because it was through zelle.
Product: Prepaid card

Received {$500.00} Vanilla Gift card. Card number had been stolen/scammed. Called and opened a dispute case XXXX XXXX,2024. Called Vanilla XXXX XXXX2024 to check on dispute and realized that I had never received the dispute case packet to sign and return. They sent a new one which I returned via email on XXXX XXXX2024. Called again end of XXXX to check status and they informed me it had been denied XXXXXXXX XXXX,2024. Told me I should have received an email but I never did. Told me to email them to try to continue the dispute which I did XXXX XXXX2024 but never got a reply. called them again today only to get the runaround again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX  ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, XXXX This dispute is made under the provisions of the XXXX XXXX ( XXXX XXXX XXXX ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with VELOCITY INVESTMENTS LLC. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I realized my wallet, containing all my debit and credit cards, had been stolen from my car. That moment I called Wells Fargo ( issuer of my stolen debit card ) that the card had been stolen and that there was already a fraudulent charge showing up on my online banking app in the amount of {$170.00}. I asked them to immediately shut down the card and issue a new one since I had no way of obtaining money. They told me a new card would arrive in 2-3 days and noted that I was disputing the {$170.00} charge that showed up that day. 

The attendant I spoke with assisted me in loading the newly issued card onto my Applepay so that I could withdraw money while I awaited the arrival of the new card. I made it absolutely clear during this conversation that my card had been stolen ( hence, why they expedited the XXXX solution during the wait for my shipped card ). 

After ten days, in a letter dated XX/XX/23, Wells Fargo denied my fraud claim and determined the fraudulent claim was authorized and asked that I consider [ my ] claim closed. 

I immediately called the number given me on the letter and spoke to an attendant who explained that since my claim stated I had my card in possession, they concluded that I made the charge. I explained over and over that I made it clear my card had been stolen at the time I reported the fraud, and that such was evidenced by the fact that the attendant even helped me set up my new card on my XXXX because they knew I had no means of withdrawing money while I waited XXXX days for a new card. 

Ive been a customer of Wells Fargo for 24 years. Im stunned by their conclusion that the card was in my possession especially given the fact that they helped me replace a card that had obviously been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Account XXXX ACCOUNT : XXXX XXXX ACCOUNT : BANKRUPTCY XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$14000.00} Other Identity Theft Company or Organization : CHARTER COMMUNICATIONS Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$290.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$850.00} Fraudulent Checking or XXXX Account XXXX or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$500.00}
Product: Credit reporting 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 ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

Re : Response to CFPB Complaint Case # XXXX Dear Self Financial Team, I hope this letter finds you well. I am writing in response to your communication dated XX/XX/XXXX, regarding my recent complaint filed through the Consumer Financial Protection Bureau ( CFPB ) and your findings regarding my credit report. I appreciate your prompt response ; however, I respectfully disagree with the conclusions you have presented. 

In your response, you have stated that the information provided to the credit reporting agencies is only what is allowed by the Fair Credit Reporting Act ( FCRA ) and outlined in the XXXX XXXX guidelines. I kindly request that you provide documented proof to support this claim, as it is critical to my understanding of the reporting guidelines. 

You mentioned that late payments are not considered transactions or experiences between the customer and the entities making the report. If late payments are not categorized as transactions or experiences, could you please clarify how these late payments are defined? It is essential that I understand the classification of late payments to assess their impact on my credit report. 

Furthermore, you stated that late payments are permitted to be reported if the consumer account is 30 or more days past due. I would appreciate it if you could provide legal references and documentation to support this assertion, particularly in relation to the specific provisions of the FCRA and XXXX XXXX compliance. 

My dispute centers on the Fair Credit Reporting Act ( FCRA ) and, specifically, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), which clearly states that the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. It is my firm belief that the reporting of these transactions to my consumer report is in direct violation of the FCRA and XXXX compliance. 

Additionally, I have observed inconsistencies in the reporting of the account opening date for my Self account. It was reported as XX/XX/XXXX to XXXX and XX/XX/XXXX to XXXX and XXXX. These discrepancies not only contradict legal requirements but also violate 15 U.S. Code 1666b, which mandates that creditors must adopt reasonable procedures to ensure timely delivery of periodic statements to the consumer. 

Your inaccurate reporting of transactions has further exacerbated my concerns. For example, in XX/XX/XXXX, you reported to XXXX that a payment was made on time, but it was reported as late to XXXX. Similarly, in XX/XX/XXXX, you reported differing information to different credit reporting agencies. Such inconsistencies in reporting transactions violate 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), which explicitly excludes transactions between the consumer and the entity making the report from consumer reports.
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 any 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX in account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX, us dept ed account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX BANK Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

XXXX5 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX CARD Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX BANK Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has an account listed on my credit report that does not belong to me. This was originally a tmobile account. it was disputed and removed previously. The account was sold to XXXXXXXX XXXX XXXX where they reaged and relisted this account in direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX 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

On XX/XX/XXXX, i looked at my report. I sent a letter to EQUIFAX on XX/XX/XXXX asking them in reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the sent me their investigation and said these accounts are complete and accurate. 
XX/XX/XXXX I sent a written request for them to provide a detailed description of the investigation process. Which they did not respond to. 

Heres the tracking for that letter : XXXX I looked at my report and noticed everything is still the same And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ( ii ) the information is, in fact, inaccurate.

EQUIFAX really did not reinvestigate. They lied on an official document saying they did something they did not do and i have evidence to prove my case.
Product: Debt collection

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX  and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to  comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to maintain the accuracy of my credit report. 
Please remove the following accounts from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I was given a AMEX gift card in XX/XX/2024 for {$500.00}. when I opened it up inside the card board sleeve was a XXXX XXXX gift card for {$500.00}. Amex would not give the money back and the XXXX gift card was compromised as well, I contacted the person that gave me the card for receipts and contacted the store as well. I was told there are no refunds on gift card purchases. I contacted AMEX and XXXX and opened a case with them on XX/XX/2024 I faxed copies of the card sleeve and receipts XXXX times. On XX/XX/XXXX, they claimed they had them and were working to resolve the case and it would be XXXX  days. I have contacted the office working on my case every XXXX  days since this started and now they are telling me they dont have my paper work as of XX/XX/2024 and they are escalating my case. I get blown off every time I call them. Please help.
Product: Student loan

Before the Covid-19 pandemic I have tried to get in a payment plan with Sallie Mae. They have continously given me the run around with no real assistance. Since the pandemic I was granted 1 covid forbearance. I've tried multiple times ( 7 - 8 ) times to get this handled and applied again but am told that there is nothing that can be done to help me. Today ( XX/XX/20 ) I spent almost an hour on hold waiting for my account manager to get back on the line to tell me what repayment options I had. She never returned and the call was disconnected. I called back, they stated she was unavailable and then told another associate to tell me to call back after XX/XX/20. Once again, no options and no help! I feel as though they want me to default on this loan. I am trying to pay what I can every month but can't afford it. Every single time I call someone gives me a different answer or a wrong answer. Its utter disregard for the customer and disgusting practices by Sallie Mae.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} 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