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

XXXX made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my XXXX and Credit Plus, who both did the same exact thing for the mortgage broker/lender. Credit Plus made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a XXXX and Credit Plus that the mortgage brokers used to obtain my credit file.
Product: Checking or savings account

Earlier this week, I filed a complaint with the CFPB about Chase Bank not allowing me to make a claim regarding fraudulent charges on my account. Yesterday, I happily discovered that the bank had reversed my charges. I was unable, however, to transfer any of my funds. When I called the Bank today, I learned that my account was restricted and was in the process of being closed. No reason was given. I am currently on XXXX and not only do I desperately need these funds for medication ASAP, but I also have my Social Security check being direct deposited on XX/XX/2019 and it is now too late to change that information. Further, I learned that it might take another week to actually close my account and after that occurred, I would be mailed a check. I am obviously being punished for whistleblowing which is illegal. This is causing a major crisis for me!! Please help ASAP!
Product: Debt collection

Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number : XXXX Dear Online information Services, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. 
I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
2. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 
Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 
Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched USAA IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched USAA Confirmation of Settlement USAA XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) USAA HAS DESTROYED MY CREDIT FOR YEARS. USAA COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX  XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 the recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting Due to Failure to Mail Required Information ( 15 U.S.C. 1666b and 1637b ) I am writing to formally dispute the late payment reported on my credit report for the account with XXXX XXXX related to the billing period of XXXX XXXX XXXX. I believe this information is inaccurate and should be removed in accordance with 15 U.S.C. 1666b, as well as 15 U.S.C. 1637b.
Product: Debt collection

I had a payment authorized to be pulled for the month of XXXX on the XXXX which was a Friday. Well it never pulled and Key 2 Recovery claims my card declined on XX/XX/XXXX for insufficient funds however I watched my account and I had more than enough funds. However Key 2 Recovery did not contact me to tell me anything. Finally I got through to them through email and they finally pulled the payment the XX/XX/XXXX and yet I still hadn't heard from anyone in this office. Then Thursday XX/XX/XXXX the CEO XXXX XXXX contacted me via email roughly two weeks later stating my card declined and they were planning to take action to collect the entire remainder of the bill. The CEO is very harassing and talking down to me, he continued to blame me despite the fact their office never contacted me. He sent me a small screen shot showing the word " declined '' against a black screen however there was no indication this was truly my card. He claimed he couldn't send me proof of my card declining, however then Friday the XX/XX/XXXX he actually did end up sending the information. I am tired of being harassed by this company when I am paying a monthly payment every month and yet that whole office continues to harass and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the erroneous account is still in my file despite it being erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account immediately Kindly fix the negativity of this account : XXXXXXXX XXXX XXXX  XXXX Balance : {$7100.00}
Product: Bank account or service

Ive been having problems with Wells Fargo saying that I have an available balance in my checking account that o do n't actually have so I removed overdraft protection off my account so that I would not be able to spend what I do not have. My account is overdrawn because of a transaction that was allowed to go through when I did n't have the money and I was charged an overdraft fee. I also have a purchase pending that I paid for with debit so should have been instantly removed from my account. Wells Fargo is continuously conducting fraudulent activity on my account. The reason the law was made for banks to give people the option to remove overdraft protection was for this very reason and wells Fargo is doing their part.
Product: Credit reporting or other personal consumer reports

I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and Experian XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

In XXXX, I wrote to the consumer reporting agencies to let them know, that you can not report income on a credit report. I have since received no response and the income is still reported on my reports as " charged off '' By XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX You can not report income. Please reference the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent Amazon credit account was opened with Synchrony Bank in XXXX. Synchrony quickly fixed the problem on my credit reports with all three bureaus. I have attached the documentation provided to me by Synchrony Bank. However, I applied for credit with Synchrony bank in XXXX and just recently Amazon for Business and was denied on both occasions because of an existing delinquent account with Synchrony Bank. I called Synchrony on XX/XX/XXXX and spoke with several different departments. All of them confirmed the account had been cleared in XXXX and confirmed I have no other delinquent or open accounts with them and I should have no trouble with applying. So my problem is this. Twice now I have applied for credit and have been denied specifically because of a previous delinquent account with their company. How can this error be corrected? There are no other factors listed for denial of credit listed. Calling Synchrony bank does nothing because all they can tell me is this should not be happening and I should not get a denial for that reason. So what am I to do? I am trying to establish a line of business credit with Amazon. Synchrony is the main option. Somehow my social is still connected or flagged in their system indicating I am ineligible form ever opening an account. I can only assume because of the fraudulent account that was opened with my information. I have no other accounts with them.
Product: Vehicle loan or lease

The company Bridgecrest stated that my vehicle was in a tow yard and incurred extra fees. The vehicle was at the mechanics. Bridgecrest stated in the first phone call that it was too dirty ( that doesn't make sense ), that it was broken ( it was at the mechanics ), and finally that they had abandoned it even though they knew were it was ( GPS was installed per contract ). Finally, I called again and someone did some investigating saying that they verbally negotiated and decided that they did not want to get the car. There are no verifying documents. The car was abandoned and auctioned without applying the amount to the loan, they continued to have this open on my credit charging my account as a bad debt until XX/XX/XXXX because I called in to ask questions. This has been affecting my ability to provide my family safe housing and the account was mishandled seeing as they said the car was auctioned in XXXX. To have the account showing late up until XXXX is obscene.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX  account ending in # XXXX, 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 XX/XX/XXXX. Most account numbers weren't included in my credit report. 

15 U.S.C. 1681, Section 604, Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My social security number is XXXX on my experian credit report theirs are threehard credit inquiries XXXX XXXX XXXX  and XXXX all hard credit report inquiries are fraud please have experian remove the three hard inquiries I have a federal trade commission identity theft report on file
Product: Money transfer, virtual currency, or money service

Your case ID is : XXXX. 
My account was limited for system detected unusual activities.I have {$470.00} Available in my account. Please release my money for withdrawal.Item has already been shipped and tracking provided. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After pulling my consumer report on XX/XX/2023, I filed a dispute with Dep of Education XXXX XXXX XXXX also the three major credit bureaus Experian XXXX XXXX XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by XXXX Dep of Education XXXX Services that were reporting age was over 7-10 years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 XXXX sent me their Investigation Results also XXXX dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 XXXX accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am a victim of identity theft and am in the process of discharging accounts off of my report. It is the duty of the CRA 's to be reporting accurate information on my report. My credit reputation is damaged due to a supposed late payment reported on my account. I have always paid things on time and have never had an experience with late payments. As a result of this alleged debt being reported on my account, it has tanked my score and made it extremely difficult to act in commerce publicly. I am attempting to apply for apartments and with a score as low as this it is impossible, especially in California. I am working on getting the entire account removed from my report but in the meantime I need this late payment mark removed as soon as possible so that my credit reputation can return to its normal range.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent a letter to the courthouse listed on my credit report asking if they report bankruptcies to the credit bureaus. I received a letter back stating that they do not report any bankruptcies to any credit bureaus. 

At the same time, I sent a letter to Transunion explaining to them that I am the victim of identity theft, and asked them to verify the accuracy of the bankruptcy ( Type of Account : BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX Case Number : XXXX ) that is listed on my credit report, as I do not recognize the information. Last month, I received a letter back from Transunion stating that they verified the bankruptcy information that is displaying on my credit report. 

I demand to know how Transunion verified the bankruptcy as 100 % accurate and as belonging to me. They never did a fair investigation according to the 15 USC 1681 to ensure that the information reporting truly belongs to me.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.

This inaccurate information reporting on my credit report is negatively impacting my ability to get a job and provide for my children. I am attaching the correspondence I had with Transunion and the courthouse, as well as copies of my previous and current credit reports. I am also attaching the correspondence I received back from the Courthouse listed on my credit report, and the tracking information from the dates I wrote to Transunion asking them to investigate the Bankruptcy information on my credit report. I am also attaching copies of my identity so that Transunion can identify me fully as the person disputing this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.