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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of 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 ( 5 ), 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

The mortgage company, SPS, ( Select Portfolio Servicing ) seems to be a debt collector and not a mortgage company/bank. SPS ( SELECT PORTFOLIO SERVICES ). Does not accept my payments the day agreed and/ir when I pay them. The ACH or EFT payments will be pending for sometimes over a week. They have considered these late as insufficient and will not rectify the issue. I have set up automatic payments to fix this problem and they still do not take/accept funds the scheduled day. There have been 3-7 days past the accepted payment and pending days. But they refuse to honor the payment date. I dont make enough money to keep my bank in an excess waiting on them to withdrawal their payment. Its a constant conversation as to why they wont take the payment the day of the agreement. 

In addition Ive learned the interest rate on this is far beyond what it should be, as well as additional fees & insurances I did not ASK for and have requested an explanation for, still they will not remove it, nor explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting someone else 's Bankruptcies and accounts included in the bankruptcy on my credit report. This is fraud and defamation of character.
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 CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with TransUnion improperly removing XXXX of my legitimate credit accounts from my credit report. This accounts was not disputed or reported as fraudulent, and I was not informed of any investigation prior to its removal. 

Details of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) This account is mine and has not been disputed or reported as fraud. My statement dated XX/XX/year>, confirms that the account was active. TransUnion removed this account as well without notifying me of an investigation. 

Why This Is a XXXX TransUnion 's decision to remove these accounts negatively impacts my credit history, utilization, and score. If TransUnion had conducted a proper investigation, they would have verified that this accounts belong to me and is in good standing. I was not notified of any dispute process or investigation before the removal, and I was not given an opportunity to provide supporting documentation.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX
Product: Consumer Loan

I co-leased a vehicle on XXXX/XXXX/2015 with my husband who 's in the military ( 2015 GMC Acadia VIN # XXXX ). The dealership gave us false information about being able to ship a vehicle if given military XXXX. After 15 days of leasing the vehicle we received military XXXX and was able to return the vehicle and received a full refund from XXXX XXXX XXXX in the amount of {$1500.00}. We opened a case with GM financial ( Case # XXXX ) and was able to get the full refund due to the negligence, misleading information and law that Service Members Civil Relief Act outlines in Section 305. 
I called GMC Financial @ XXXX and was referred to the City of XXXX XXXX to get this resolved. I then called the City of XXXX XXXX Treasury office @ XXXX and was told they did not report anything to GM Financial as they do n't have me owing anything to them. I then called GM Financial back and ca n't get a hold of anyone. I 've left multiple messages for the GM Financial recovery department @ XXXX and have not received a call back. 
I now have XXXX reports on my credit report stating I 'm late on payments which has decreased my credit score. I am getting the runaround from GM Financial and no resolution has been given. I 'm currently XXXX and contacting GM Financial requires me to stay up late, as their hours of operation are during sleeping hours here. I need GM Financial to do their due diligence to ensure my credit report is cleared of any negative reports stating I 'm late on payments and comply with the Service Member Civil Relief Act which also covers dependents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

In early 2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.
Product: Checking or savings account

I'm writing to express my formal dissatisfaction with the management of my recent funds transfer from my external account to my capital one bank account. I believe that the bank 's actions in this situation are not only improper, but may possibly be in breach of banking regulations. 
On XX/XX/, I initiated a money transfer with the reference number XXXX from my external account ( XXXX  XXXX XXXX ) to my capital one account. The monies were swiftly debited from my external account, and I anticipated that they will be available in my capital one account within a fair duration. 
When I checked my capital one account, I realized that the transferred monies were being held without reasonable explanation after giving me a fishy notice. Because I rely on the rapid availability of transferred funds for important expenses, this scenario has caused undue financial hardship and discomfort. 
I read the terms and conditions of my capital one account agreement and can not see any acceptable basis for the excessive delay in transferring the monies. I'm worried that this delay would not only cost me money, but will also violate banking standards on the timely availability of funds. 
I respectfully request that you investigate this situation as soon as possible and provide a clear explanation for the hold on my transferred monies. Furthermore, I request that the cash be released immediately into my Capital One account, as the delay is causing me problems. If you have any specific concerns or reasons for the hold, please explain them in writing, along with any supporting documents. I anticipate a comprehensive and speedy resolution to this situation, since any longer delay may entail legal action to safeguard my customer rights. 
Please acknowledge receipt of this complaint within three business days and provide a timetable for resolution. I appreciate your attention to this situation and I anticipate a prompt and equitable resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Verification of Accounts Under Section 609 FCRA Dear Credit Bureau, I am writing to formally dispute and request verification of the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section 609. According to the FCRA, I am entitled to full disclosure of the records and sources used to report these accounts. If you can not verify them, they must be removed immediately from my credit file. 
The following accounts require verification : [ XXXX XXXX ] Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the following : A copy of the original signed contract or agreement proving I authorized these accounts. 


The method used to verify the accounts. 


The name and contact information of the entity that verified them. 


Under the Fair Credit Reporting Act ( 15 U.S. Code 1681g & 1681i ), if you can not provide proper verification, the disputed items must be deleted from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

As proof of identity, I have attached a copy of my government-issued ID.

I expect a response within 30 days as required by law. Please send all correspondence regarding this dispute to my address above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stress, I file documentation lastXX/XX/2021 regarding to those unknown and inaccurate accounts I found on my credit report it almost 30 days now but I haven't receive any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is reporting five student loans on my XXXX and Equifax as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with XXXX and Equifax, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.
Product: Credit reporting or other personal consumer reports

Re- complaint # XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on my report On XX/XX/year> the XXXX emailed me stating that the company has yet to respond to my dispute. 
FCRA Requirements for Dispute Responses Time Frame to Respond to Disputes FAILURE TO RESPOND Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit reporting agency can not verify the accuracy of the disputed information within the allowed time frame, it must delete the item from my credit report.
Product: Credit card or prepaid card

On XX/XX/18 I purchased a XXXX XXXX  sample lotion, ad said free pay only for S & H of {$4.00} when the XX/XX/XXXX bank statement came the {$4.00} charge was from XXXX XXXX. 
Then I received my XX/XX/XXXX statement which had a charge of {$89.00} from " XXXX XXXX XXXX '' I did not have a clue what this was, so I called the bank and disputed the charge. While the bank was investigating the charge. I received a package in the mail which was another 1 oz sample size of XXXX XXXX with my name, address and invoice for {$89.00} which I had not ordered. I wrote REFUSED on it and sent it back the next day. 
I called the bank to let know who the charges were from as we did not know. Then I receive my XX/XX/XXXX bank statement which had one charge dated XX/XX/XXXX XXXX XXXX XXXX for {$89.00}. And another dated XX/XX/XXXX Bal. adjusted for XXXX XXXX XXXX for {$89.00}. 
So I now have 2 charges of {$89.00} neither of which I ordered. I called the bank & was told it was in the bands of billing and noone could help me. 
Talked to 2 different men in the fraud dept. and they told me I signed and gave them my credit card number, so I owed it. Companies always say its a sample and no charge except S & H and I should know that. Then I receive about 13 pages from B of A telling me that they received the invoice from the company and everything looks valid, so I owe the amounts. I told them I will not pay it, I did not order it, and if they will not stand up for their customers, THEY CAN EAT IT. Then I received my XX/XX/XXXX. statement showing a balance forward as an unpaid balance. 
I called XXXX XXXX XXXX and nobody knows anything, they did not charge me. Then I called XXXX XXXX, XXXX not in service. Then I called XXXX  XXXX @ the number on the bank stmt, she said they were XXXX XXXX. when I started asking her questions, she got nervous. I told her to take my name off their lists and do not ever contact me again. 
She offered to discount XXXX XXXX so I could purchase more. 
I told her that I am sure she received the pkg I sent back that I refused. She said we do not take returns. So if you sent it I do not know where it went, because we do not take returns period. 
Also, everything they sent the bank is one big huge lie. They never sent me an invoice except as I said my name, address and {$89.00} charge on a tiny little invoice. I sent it back with the refused pkg. The bank said they received the invoice, they made it all up big fat lies. plus they never contacted me once. Only the one small invoice. They never called me, emailed me, absolutely nothing. Anyone can make up a phony invoice after the fact because that is exactly what they did. 
These people are lying, cheating rotten to the core, bad bad bad and need to be taken down. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I edited the XXXX for US Banks credit card XX/XX/2022 with new bank account XXXX XXXX XXXXXXXX ) information to be withdrawn. However, the payment of {$160.00} on XXXX XXXX XXXX XXXX XXXX  payment was processed from an old bank account ( credit union ) that did not have sufficient funds. I called the institution and requested that the transaction be canceled as on my end online the payment information was being displayed with the new bank account. There was no way for me to visualize that the payment was going to be processed from the old bank account as I had deleted the old account from the system. The XXXX screen showed that my future payments would be made from the new bank account. The old bank account did not have sufficient funds as I was no longer planning to use it and I incurred a not sufficient funds fee. The customer service representative and the supervisor did not acknowledge that the information had not been updated in the system, they did state that they see the XXXX edit done by me in XX/XX/2022.
Product: Vehicle loan or lease

On several occasions when I have made payments the company had taken the payments and applied most of the money to the interest and almost none of it to the principal. When I discovered this I asked them why and they wouldnt give me a clear answer, said that they would apply the money as they saw fit. I raised several objections and let them know that I was aware that thier transaction application was illegal and they were misapplying the funds deliberately turning my loan upside down and I wanted to know why. Again I got no answers. Time and again I have tried to work with this company but I seem to keep falling behind in payments somehow and fees are constantly being racked on that I dont know where they are coming from and addition money is always being asked that I pay but once again I dont know for what. Now Im so upside down on the loan that I cant trade in the car and I dont know how to get out from underneath it!!!!!! The dates are too numerous to list and I can tell you that the conversations with them are daily a least two or three times a day, and I usually dont know its them thats calling because their phone comes up with names like XXXX XXXX or some unknown business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of Identity theft and I have been trying to correct the inaccurate, incorrect and misused information on my profile multiple times, how they are refusing to fix and claim its verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting

I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to be investigated have been ignored.
Product: Checking or savings account

Account opened XX/XX/XXXX XX/XX/XXXX e-mail received saying acct will close on XX/XX/XXXX XXXX alleged Transaction Date to transfer funds to my external account XX/XX/XXXX call to marcus requesting funds since they were not deposited. was told that I would receive a call back. Call never came. 
XX/XX/XXXX call to marcus to make an official dispute. Was told I would receive a call back. Call never came XXXX delivery of official written dispute to XXXX XX/XX/XXXX funds still not received and notified that account is " locked ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently tried to get a bank account and chexsystems told them I could not do so so I called them and asked for the disclosure paper and all the things it had on there I did not do at all like bank accounts and other XXXX XXXX I didn't understand on there I don't remember them all but here are two of them one : XXXX XXXX a part of XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO 2 1/2 years ago someone broke in my spot and also my purse was dumped out and my wallet had my SSN card my id and money also my son 's SSN card and his health card missing and all of a sudden I started getting mail about cars and stuff and I don't own a car and now this
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. NORDSTM/TD ***** Opened date : XX/XX/17 XXXX {$390.00} I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remarks : XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to none XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to None Reason for Dispute : I believe that this account ( s ) is invalid or contains incorrect information. Please validate these account ( s ) in its entirety or remove this entry from my credit report. Thank you. 

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX collections account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.
Product: Credit card or prepaid card

XXXX Wells Fargo Security : Account On Temporary Hold! Due to some suspicious activity we need to verify this account belongs to you. Verify at XXXX XXXX XXXX second time in a week this happened. Yesterday XXXX bank and I reported it. 

Get the XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.