23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

There was a loan on a vechile in my husbands name. He passed away. Then the car was totaled on XX/XX/year>. Santander refused to accept the insurance settlement because my name was not on the loan. After 8 months of me writing letters to the CEO of Santander Consumer USA I got court orders stating I am the legal owner and compelling them to release the title to me. I faced it to them on XX/XX/year>. They are now in contempt of court and after 2 months still not heard from them. Im a senior on a fixed income and need the insurance settlenent. Im hopeful you can help Thank you XXXX XXXX
Product: Checking or savings account

Chime closed my account after I sent a referral to a friend a requested a new card. An took my money
Product: Checking or savings account

Hi, I submitted a couple of claims to my bank ( Bank of America ) because my debit card had unauthorized activity, I found out through my bank statement online. The 2 claims were 1 ) Claim ID : XXXX Claim amount : {$170.00} Initiation date : XX/XX/2018 - I made this claim because I have never been to Kentucky or Tennessee, where of these transactions were done. 

2 ) Claim ID : XXXX Claim amount : {$340.00} Initiation date : XX/XX/2018 - I made this claim because somebody withdrew money from an ATM machine, unauthorized. 

For both claims, I told Bank of America that I usually leave my wallet in my car and my PIN number in my wallet as well. I have this information in arms reach because I have a mild XXXX of cognitive and memory impairment. 


Even though Bank of America placed a temporary credit for both transactions during their investigation, I received messages today, XXXX Bank of America 's " Message Center '' stating both " Claims not paid - Temporary credit will be reversed. '' I was confused on what this meant, as I am assure I never made any of these payments. They said they will reverse the charges on XX/XX/2018. 

I then called Bank of America 's " Dispute Resolution Service '' and requested additional paperwork from their investigation. Not only did the young lady tell me that they did not have additional paperwork for their research/investigation ( she tells me this is sort of a normal thing? ), she also told me that both claims have been put together, and that the ATM camera was the reasoning for both, even though that should have been for only one of the claims. 

It seems as if somebody compromised my bank account because not long before- I submitted a claim to XXXX around the same time because somebody had made an unauthorized purchase. XXXX credited me back no problem! 

Thank you for your help, hope to hear from you soon. 

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

An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new XXXX XXXX XXXX  from the XXXX XXXX XXXX Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The XXXX XXXX said it's not their problem and washed their hands. 

XXXX XXXX requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave XXXX XXXX the case #, and requested the Fraud Package 4 times, and the package never arrived. XXXX refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear Experian : This is a Self-Attestation that I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
This fraudulent Credit card XXXX XXXX XXXX opened on XXXX XXXX XXXX account number ( XXXX )
Product: Debt collection

They call multiple times a day after I've asked them to stop. 9 times today alone.
Product: Credit card or prepaid card

I am writing today in regards to my account with XXXX XXXX XXXX # XXXX. 
The reason for writing today is in regards to the late payments showing on my report in XXXX 2020 and XXXX 2020, due to Covid I was unable to make the payments in XXXX and XXXX 2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  XXXX veteran that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or Equifax. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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
Product: Debt collection

Portfolio Recovery They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " Portfolio Recovery '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about inaccuracies on my report. They keep updating date last active on XXXX accounts : XXXX XXXX XXXX and XXXXXXXX XXXX. I have disputes these dates and they do not fix them. I was never active on these accounts so they should not have a date. They are manipulating the statute of limitations by putting that I was active on XX/XX/2022. I have asked them to validate or delete the items and they do not validate or delete anything. Isn't it a violation of the FCRA if they do not correct or remove inaccurate accounts? I do not want inaccurate information on my report, especially from companies that I did not sign a contract with. 

They also keep updated the balance for XXXX XXXX  without explanation. This is also inaccurate and needs to be removed. 

Please investigate this matter for me, I have disputed multiple times already.
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 this platform. I have had similar issues in the past with not being able to recover lost funds, prior to the warning being present. Despite using zelle numerous times and reporting discrepancies, my financial institution, XXXX XXXX, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was not feasible. The CFBDs findings indicate Zelle has not only neglected to protect its consumers, but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Their lack of accountability raises serious concerns regarding consumer safety and is highly unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX RETAIL XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Medical XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$3700.00}
Product: Vehicle loan or lease

The company has gone out of business and still shows on my credit report that I owe them
Product: Credit reporting or other personal consumer reports

I think we're required by FCRA 605B to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, amount, and dates.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I submitted a inquiry to the XXXX XXXX executive team to inquire why my accounts ( XXXX XXXX and a XXXX XXXXXXXX ) were closed without warning from their company. 

I had previously called this company prior to the account closing to indicate that the payment account that I used had been hacked and he money removed. I was told I would be contacted and instead upon logging on I saw that my account was closed without warning. I never received anything in writing from this company and even after I submitted the emails, they called me and refused to provide me with anything in writing. 

Since fraud was committed on my account and was reported to them when the accounts were opened, these accounts both need to be removed without haste from my credit report. Additionally, they can not sell these to other companies to collect the debt. 

This entire thing has been handled maliciously especially when I reported the fraud and hacking as soon as I was made aware. This company did not do their due diligence in resolving the issue and providing me with anything in writing as I repeatedly requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Experian has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please correct the account 's information immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was a with SYNCB/AMAZON PLCC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last year, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus equifax, XXXX and XXXX that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of 2020 XXXX XXXX on XX/XX/2020 capital XXXX JPMCB XXXX XXXX XXXX on XX/XX/2020 XXXX bank on XX/XX/2020 BK OF XXXX on XX/XX/2020 XXXX card services on XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Legal Procedure for Disputed Information under XXXX XXXX Code XXXX, CFPB Guidelines, and Consumer Protection Laws : Alleged Non-Compliance by Experian and XXXX XXXX XXXX legal landscape surrounding disputed credit information, collection practices, and charge-offs is multifaceted, encompassing federal statutes, regulatory guidelines set by the Consumer Financial Protection Bureau XXXX CFPB XXXX, and consumer protection laws. The recent allegations of non-compliance by Experian and XXXX XXXX in relation to these laws have cast a spotlight on the intricate interplay of these regulations. 

Section XXXX of XXXX XXXX of the United States XXXX outlines the mandatory steps for addressing disputed credit information. Simultaneously, the CFPB enforces regulations aimed at safeguarding consumers ' rights and ensuring fair credit reporting practices. The alleged actions of Experian and XXXX XXXX, if verified, could potentially run afoul of these legal requirements, compromising consumers ' trust and rights. 

It has been asserted that Experian may not be upholding its obligations with the necessary diligence, potentially infringing upon provisions set forth under the Fair Credit Reporting Act ( FCRA ). Moreover, the purported refusal by these credit reporting agencies to acknowledge disputes submitted by individuals might contravene the FCRA 's intent of addressing consumer concerns. 

The following account details, along with corresponding account numbers, have been implicated in these disputes : Account name : XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Amidst these allegations, it is imperative that individuals facing credit inaccuracies, collection actions, or charge-offs familiarize themselves with their rights as outlined in various consumer protection laws. By seeking legal counsel, individuals can ascertain the veracity of these claims and explore potential legal avenues for remediation. 

In light of the comprehensive legal framework in place, it is essential that Experian, XXXX XXXX, and all entities involved in credit reporting adhere to their obligations. Upholding the FCRA, CFPB guidelines, and broader consumer protection laws ensures not only the accuracy of credit information but also the protection of consumers ' financial well-being and rights.
Product: Credit reporting or other personal consumer reports

This is my final demand regarding the inaccurate and invalid negative accounts that remain on my credit report, despite my previous attempts to address and resolve this matter.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my credit Experian Credit Report that do not belong there : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX  - XX/XX/year> Also, please note that my name is listed incorrectly on my XXXX credit report. 
My name should be listed as XXXX XXXX XXXX. 
Please remove the name XXXX XXXX from my Experian Credit Report as well as the name XXXX XXXX from my Experian Credit Report.
Product: Debt collection

this is a formal complaint against MIDLANDCRE Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : MIDLANDCRE Account # XXXX * Account Number : XXXX Nature of Complaint : 1. Lack of Written Notification : MIDLANDCRE Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action.

2. No Contract or Business Relationship : I have never engaged in any business with MIDLANDCRE Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 
3. Inaccurate Reporting : The account information reported by MIDLANDCRE Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 
4. Unauthorized Credit Report Entry : MIDLANDCRE Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of MIDLANDCRE Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Product: Prepaid card

This was a scam calling about getting a prepaid PayPal account caught up saying we were behind went down and bought a gift card and XXXX gift card to give to them. It was all a scam. We found out later been on the phone with XXXX support they created a case, they said Im gon na need to get some type of report or number to give to them. We immediately stopped. The gift card has not been used yet, but the funds are still on there but unable to retrieve them if theres any questions please feel free to call me at XXXX.
Product: Mortgage

Bank of America called me and told me that I qualified for a quick and easy " HARP '' refinance. My mortgage is $ 100k. My home appraised at 900k. 
I submitted all documentation to the loan agent who never processed the paper work. Three months later, I have yet to speak to BofA and have processed a new loan elsewhere. Seriously disappointed in the level of service after being a loyal top 1-percenter for over 30 years. The Bank of America team, has been dishonest and fraudulent. I dealt with XXXX, XXXX at XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX ; XXXXXXXXXXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions.

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX