23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Last year, somebody stole my or my authorized user identity and made unauthorized purchases with my Discover card. Besides that, they used my linked bank accounts to make unauthorized payments to my Discover Card. The packages were delivered to the mailroom and dropped there. Discover Card made me liable for those purchases and keeps requesting " new information '' ; however, they don't have ways to deliver " new information '' as all pictures and video I tried to submit them were not acceptable by fax. This year, somebody used my linked bank accounts to make unauthorized payments to my Discover card to spend over its credit limit for unauthorized purchases, and Discover card did not take that " new information '' for consideration of my last year claim. They requested filing a police report, then they requested me to make the police to call them, they requested pictures, videos, and documents, but they did not even give me ways to submit those pictures, videos, and documents, as their fax was not capable to show all details, and they refused to accept my XXXX and other links to see my pictures and video I had try to submit. Discover Card Customer Protection Services keep playing stupid games with me by pathologically denying all new evidence and " information '', which they hesitate to analyze, and they literally blame me for being a victim of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the continued presence of a charge off, account included in bankruptcy, and public record entries on my credit report, despite numerous attempts to have them removed. Regrettably, I must inform you that this is now several attempt to address and rectify this issue, yet the problem persists. 

I demand immediate and decisive action to thoroughly investigate these inaccuracies and ensure their complete removal from my credit report. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future and to restore my trust in your company 's integrity. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My confidence in your company 's ability to uphold the highest standards of accuracy and accountability depends on your prompt and effective resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX  XXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

sent dispute to XXXX  on XXXX and still haven't got any results on investigation transunion has remove all collections on credit report my but experian and XXXX  haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also XXXX  has improper display of my collections which makes it inaccurate which needs to be immediately removed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.q
Product: Credit reporting or other personal consumer reports

I HAVE LOOKED AT MY CREDIT AND MY SOCIAL MUST HAVE BEEN STTOLEN TO APPLY ANND HAVE ACCOUNTS THAT DO NOT BELONG OR HAVE EVER BELONG TO ME NOR HAVE I APPLIED PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Following inquiries do not belong to me. Please delete from my report immediately XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/year> Experian XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX. XXXXXXXX XXXX  XXXX. 
All Banks - non specific XX/XX/year> Experian
Product: Checking or savings account

My sister XXXX XXXX XXXX, who has Power of Attorney for my Dad XXXX XXXX, tried to close out his checking account at TD Bank on or about XX/XX/2018. Despite submitting all the legal documents that were prepared by a practicing attorney specializing in elder law, TD Bank insisted that my father come in to close out the account. Since my father had been recently diagnosed with a fatal combination of XXXX XXXX and XXXX XXXX XXXX and was confined to a hospital bed, this was impossible. For the next 5 weeks, TD Bank kept making excuses and finding fault with the documentation that was prepared by a lawyer. My sister showed the exact same documentation to XXXX XXXX and they helped close out my father 's account at XXXX XXXX in 30 minutes. Finally, on XX/XX/XXXX, TD Bank agreed to close out my father 's account. My Father XXXX on XX/XX/2018. TD Bank treated my sister XXXX XXXX XXXX horribly. They kept her away from her XXXX father and added stress to an already stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Product: Checking or savings account

On Friday XX/XX/XXXX, I deposited my paycheck at an ATM - I noticed it was taking a long time to clear so I called the bank one week later on  XX/XX/XXXX, and spoke with their representative XXXX who told me they could not verify the check so they have placed an extended hold on the check and that it will not be available until XXXX XXXX  on XX/XX/XXXX! Which is 12 days ( or 8 business days if you account for weekends ) - I am just trying to pay my bills- so I asked my boss Mr XXXX and he checked and found out Santander bank my bank received the funds on XXXX XXXX so I believe XXXX misrepresented this information to me, lied if you will. Then I received a written notice from Santander yesterday in mail that again said they could not verify the check! And that they will release the funds in 6 days. - I have a pending complaint against Santander with your organization and I am concerned they may be retaliating against me- apparently during the rather unpleasant conversation I had with XXXX urging which she advised me if I was not able to give her the copious verification information which she asked for I could go to the branch bank ( she is aware that the branch banks are closed for covid! ) then apparently she added 2 days to the time that the check was scheduled to be cleared ( 6 business days ) j have kept my written notice of the 6 days and my previous complaint is # XXXX
Product: Credit reporting

I bought a ring from XXXX. I paid the ring off, and I applyed for a credit card and never received it. Although on my credit report showed I have a 90 day missed payment on my credit card account. Which I never received one bc they had my home address not my XXXX XXXX XXXX So I called XXXX claims and they said I have a balance off $ XXXXSo I do n't understand why my credit report says that I 'm XXXX days late. 
Thank you
Product: Credit card

Paid the full balance due on the date the payment was due.I received a bill for the Interest for the month the I just paid for.I never had a bill that included a pay-off amount that was in correct and nowhere on the bill does it say the pay off amount is n't really the pay-off amount.I received a bill for a month of interest.even though I send a check to pay the card off.It 's a sneaky way to make Millions of extra money on the backs of Consumers who does not know.They also have a call center that purposely discourages anyone to use it because the average wait time is anywhere from 45 minutes to 2 hrs.
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. 

I told the XXXX, XXXX, and Equifax to investigate this account below XXXX XXXX XXXX XXXX, XXXX Auto # XXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX L XXXX Balance : {$52000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my problem most likely effects many people.a few days I attempted to obtain XXXX XXXX credit card issued through XXXX XXXX & was denied. I was shocked as I have excellent credit. I checked with XXXX XXXX & Equifax.I was told that the problem was I had 7 outstanding hard credit inquiries. It appears that every time you apply for a credit card or loan & they run a credit report unbeknownst to me my credit was effected. I now can not get credit. When I asked the companies in question XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, they all told me the same answer - I have to wait two years for it to roll off. I suggest that all consumers be required to sign a form indicating to them that by pulling a credit report they may jeopardize their ability to obtain future credit which it what happened to me. is there a way in which my hard inquiries could be masked so that i can obtain credit. 

thank you XXXX XXXX
Product: Mortgage

Rocket Mortgage has a trade line on my credit report stating that an XX/XX/year> payment was missed showing a late payment. I have contacted them several times and did disputes with the credit bureau to fix this to no avail. The credit bureau has provided me this Website to submit the information to
Product: Credit reporting or other personal consumer reports

I am writing to you once again to follow up regarding the unresolved issue of fraudulent items on my credit file. Despite my repeated attempts, these fraudulent entries persist, tarnishing my creditworthiness and causing significant distress. 

It is disheartening to see that these fraudulent items continue to negatively impact my credit file, despite my persistent efforts to have them removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit file and immediate action to have them removed. With this, I am asking for your assistance to remove the fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

An unidentified person opened an American Express account under my name, using my maiden name. I received a letter dated XX/XX/2023 and a statement due in the amount of {$16000.00}. 

I reported this as fraud to American Express on XX/XX/2023.
Product: Debt collection

on XXXX/XXXX/XXXX I received an attempt to collect a Debt in the amount of {$1500.00} in Towing services from XXXX XXXX XXXX for a Vehicle that I sold XXXX/XXXX/XXXX.
Product: Payday loan, title loan, or personal loan

I got a loan from  Security Finance i n  XXXX , Ga  XXXX  on  XXXX   XXXX ,  2014  and the account was paid off on  XXXX   XXXX ,  2014 . The monthly payments were only {$70.00} but i will admit finances were tight during that time. In those few months i was late 3 times but the manager told me that they would not report that it was late as i had a good history with them and have always paid on time. Well she lied and it did report and now it really looks bad on my report and its very frustrating. Also, when i paid it off, before doing so, i asked if they would remove the account completely from my credit report and they said they would. I should have known from the previous deception that i could n't trust this company but i took there word unfortunately and now i 'm unable to get certain credit cards and have a negative account against me on my credit. If someone could please just help point me in the right direction on how to get this account off of my report i would be SO grateful. Thank you.
Product: Credit reporting, credit repair services, 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 XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Wells Fargo Auto has an account listed on my credit report with payment status of unknown.
Product: Debt collection

AllianceOne | XXXX AllianceOne Reference : XXXX XXXX is charging me for a device ( XXXX XXXX ) that I've already shipped and been received by XXXX since XX/XX/XXXX. See tracking info below XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has not done their part to scan and mark the item as returned, and has sent me a non-return bill/fee for {$310.00} which has now been transferred over to the debt collection agency ( AllianceOne ). 

During XX/XX/XXXX Customer rep/agent, XXXX ( ID # XXXX ) and her Supervisor XXXX, from XXXX Financial Department have assured me that this will be addressed and it has now been several weeks. And now, a debt collection letter saying that I owe money for a device sent and delivered to them. 

Today, XX/XX/XXXX - I have called XXXX rep/agent XXXX  ( ID # XXXX ) to dispute the case and they have, again, promised that they will do a " research '' and opened a " handset research # XXXX '' for the shipped item and will put the collection on hold. 

XXXX customer support has been untruthful and has failed to deliver on their promise to settle this issue immediately. 

I've attached the shipping label provided by XXXX, proof of delivery from XXXX, along with the bill from XXXX & AllianceOne . 

My Contact number is ( XXXX ) XXXX. Please assist, thank you.
Product: Credit reporting or other personal consumer reports

I need your support to address the inaccurate account showing on my credit report. This situation has affected my reputation as a customer, and I am requesting your help to remove these false and harmful accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.