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

I legally changed my name from XXXX XXXX to XXXX XXXX and i am unable to update this information with transunion and XXXX  both accounts have locked me out or given me error messages when attempting to login to my account. I can only access XXXX XXXX but i am unable to update anything as the XXXX site says to go to the transunion site. i am literally just trying to update my name and login to my accounts. I have all the proper documentation and court orders for my updated name and information. I need to know where to send it. XXXX had me file a dispute form and upload the documents but i am unable to do that for the other 2 companies. But i also have not been able to file any disputes with the other 2 companies as my accounts always give error messages. It honestly seems intentional like a way to prevent people from filing disputes. its making my life really difficul because of this error that is showing up with my name change in the XXXX and XXXX tax systems. Please let me know how to move forward. thank you.
Product: Credit card or prepaid card

The issues began around XX/XX/2021 on the credit card issued by BBVA, Visa # XXXX. The bank allowed a fishing fraud for XXXX cents and then the fraudster started sending in charges for XXXX. On the morning of XX/XX/2021 we began trying to make contact with the bank and finally were put in contact with a supervisor, XXXX. XXXX finally understood the fraud, acknowledged it and promised to take care of everything and stated we would have no further problems with the fraud issues. I requested a call back confirming all issues were taken care of. The next day, XXXX left a call on the recorder that all issues were resolved. 
In fact, this was a lie we relied upon to our detriment. We immediately contacted PNC ( who was taking over BBVA ) and contacted them again when they failed to correct the problem. See Exs. A and B. See also Ex. C, which affirms that fraud was committed and promises we were not responsible. Of the {$11000.00} in fraudulent charges to date, at least {$5200.00} remain unresolved. 
Despite the various promises made, PNC has billed us for the charges. See Ex.D. However, the worst thing PNC did was to report the disputed charges to credit agencies, in violation of CFPB rules. See attached Ex. E, which shows that the PNC report cratered the Credit Score by 73 points. 
One last attempt was made to resolve this situation. On XX/XX/2021, I contacted PNC and spoke to XXXX at ext. XXXX, who transferred me to XXXX, who refused to give any other identifying information. After asking to speak to a supervisor, I was put on hold for 47 minutes until the call was dropped. This complaint ensued.
Product: Credit reporting or other personal consumer reports

XX/XX/ I had spoke to some in the department of XXXX about a hard inquiry with XXXX XXXX. I sent them documents from FTC stated someone use my info to apply for a house. I see that XXXX has it down twice on my report. Which I had the report from the FTC I sent my documents on XX/XX/ and I havent yet to see the hard inquiry remove from my XXXX which they have it down again twice. I explain to them it wasnt mines, if they fail to remove theses hard inquiry I will get in contact with you guys.
Product: Credit card or prepaid card

I was contacted today by XXXX claiming to be XXXX Fraud Dept. they stated someone was trying to charge my discover card and wanted to authorize I was doing this under the name XXXX XXXX. And that is not my name. They then proceeded to rattle of my address, my social security number and they provided me with not only the entire discover card number but also the visa XXXX XXXX credit card number. Now neither of these are my credit cards specifically I am just an authorized user on them. My social security number was never given to either of these credit card companies when making me an authorized user so I am not sure how they have my birthdate, social security number etc please note I did not deny nor confirm the data they stated.. but nonetheless it was correct.. They then proceeded to ask me for my FICO score which I wouldnt give them, they asked if I wanted 0 % interest rate on my other credit cards which I specifically told them NO, and I would not provide them with my other credit card numbers or who they were from. 

My big concern is that whomever these people are have my correct social security number birthday and address. Please help me. I dont know what to do
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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: Debt collection

Again I am requesting this account be removed because it is being reported as though it is an open active account meaning a open revolving account or a line of credit it is currently under accounts and listed with a payment history and all that is completely illegal I did not sign up for a line of credit with the utility company this is inaccurately being reported and is a clear violation of my consumer rights. I'm attaching a copy of what your account is showing as on my credit report clearly it shows payment history clearly it's showing it as an open revolving account and clearly you must be aware that this is a very large violation of my credit reporting rights I never signed up for a line of credit with the utility company. I am completely aware of my rights I used to work for credit law center they are based out of XXXX XXXX XXXX Missouri and I was employed for them for over a year. I'm not sure what part of your illegally reporting this this was not an open line of credit and you have it shown as an active open revolving account with payment history and all I don't know what part of this you are not understanding but clearly it is not being accurately reported and I am going to demand that you immediately remove it from all three of my credit bureaus. I will persue credit law centers help if necessary because I am not okay with having my rights violated and clearly you are trying to take advantage of people who are less knowledgeable about their rights and the situations of what you can and can't do when it comes to credit reporting. I will seek XXXX XXXX XXXX help in rectifying this matter if I need to because this is not at all and accurate depiction of what type of account this was putting payment history on something that was not a revolving an account or in any way had a payment agreement made on it I was not extended a line of credit by the utility company no way shape or form should the repayment history or should it be reported under that portion of my credit at all. Therefore you are illegally reporting this and I'm going to demand immediately remove it from all three of my bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I called Transunion in order to figure out why it is giving me an error about disputing online. I speak with a few agents who were confused and sent me to their supervisor. I spoke with A supervisor by the name of XXXX his transunion employment number is XXXX. He specifically told me I can not dispute any collection or chargeoff online. Then he told me I should call the dispute department who should be able to do it. But when I call them they immediately send me to special handling in which they told me my file is good and should be able to dispute. I have been on the phone for 5 hours with three different departments consecutive times and no one can identify why I cant dispute on the phone or online. Please give me some help or correspondence to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$36000.00} ; XXXX XXXX XXXX : {$36000.00}.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I reached out to experian as a victim of identity theft provided them with my ftc report and disputed this account there was an ongoing investigation at the same time I was told to reach out to the company themselves for a resolve if possible so I reached out to XXXX  and filed a cfpb complaint which resulted in a reply of them stating my information did not match any information on any account with them so I turned that information on to experian to them have this item investigated and removed from my report. Today this item came back verified after 20 days and there is no way there was a proper investigation as I have documentation that I will attach here where the company states I have no account with them. This needs to be fixed immediately as it is in breach of my rights to fair and accurate credit reporting and is hurting my financial status and overall credit health.
Product: Debt collection

On today ( XX/XX/23 ), I received a call ( which I did not answer, but was left a voice-mail ) that stated a civil complaint has been filed against me and was advised to contact XXXX and provide the complaint number of XXXX. The caller stated his name and that he was calling from a XXXX XXXX XXXX. The number he called from is XXXX. 

I called the number and was told that I have an outstanding account with JP Morgan of {$2800.00}, which was originally {$8700.00}. I explained to the man, " I have never done business with JP Morgan and don't understand how I can have an outstanding account. He was able to tell me my D.O.B and social security number, which I NEVER confirmed. 

Unfortunately, being nervous and overwhelmed, I confirmed my home address and gave him my e-mail address and he had a docusigned form sent to my e-mail ; however, I did not open the e-mail. 

After hanging up, I checked the three Credit Reporting Agencies and noticed that on today a company with the name of XXXX XXXX XXXX out of XXXX, CA XXXX made a soft inquiry through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Product: Credit reporting

There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years
Product: Student loan

On XXXX/XXXX/XXXX, I took out a loan for {$1400.00} to attend XXXX XXXX in XXXX, New York, and on XXXX/XXXX/XXXX, the financial aid institution disbursed the same amount. There was an additional addition to the principal of {$760.00} on XXXX/XXXX/XXXX which I do not understand as I was attending a state college at the time. 

The institution, called American Education Services, does not bill me regularly, but I have been making payments through the online bill pay service that my bank offers. I believe that too much of my payments has been going toward interest, and the loan company is n't interested in having me pay off the loan in a reasonable period of time. The " expected payoff date '' for my loan is XXXX/XXXX/XXXX. XXXX of my payments of {$50.00} went entirely to interest. I believe that this institution is a predatory loan company.
Product: Mortgage

After trying to cancel my pmi for years ... I have come to the 15 year mark and I owe less than 80 percent of original assessed value for when I bought the house. I have a letter of termination date for XXXX ... It should of been XXXX. Well XXXX payment included pmi. And now have XXXX statement that has pmi ... by law I believe there should of been an auto termination of this under the HPA act of 1999. I called mortgage company to ask why still paying pmi ... they again say we will submit for review.. same thing they always say .... and I told lady about the letter I got and she stated she dont see any letter in files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed a Collection account that was added to my Experian, XXXX, and XXXX credit profiles requesting validation of the debt listed. XXXX deleted this account due to not being able to validate it. Experian and XXXX did not delete this account, stating it was valid. Neither bureau provided proof of validation as was requested. 

I have since contacted the collection agency for validation and have only received a copy of a ledger. I have notified the Collection Agency of a pending lawsuit against the organization they are collecting on behalf of as this debt is both illegal and invalid. The collection company sent me back the documentation claiming it is verification of the debt and they are refusing to remove it. I am in active litigation with the alleged creditor about this false debt and it is extremely detrimental to my lending ability.
Product: Credit reporting or other personal consumer reports

I have filed a dispute about an account on my credit report and the company failed to investigate the information or prove that they investigated the information. I provided documentation showing the information was not correct. XXXX XXXX XXXX XXXX XXXX amount is incorrect.
Product: Credit card or prepaid card

I moved to the USA and I started to work in USA on XX/XX/XXXX. 
I have been trying to build my credit history for 9 months. I downloaded this app " XXXX XXXX ''. This app. shows that " I had a credit card on XX/XX/XXXX from Bank of America which I did not even apply for it. I came to the USA in XXXX and XXXX several times and stayed at the hotels, I rent a car but did not apply for a credit card. Somebody opened a credit card and used it for {$9200.00} ( this amount on the XXXX XXXX report ) then closed the card. I went to Bank of America branch in XXXX XXXX XXXX, XXXX MD. The agency told me to call this number " XXXX XXXX XXXX ". The agency and the lady on the phone talked and they found out there is this credit card opened behalf on my name and they told me that when I was working for XXXX XXXX I had applied for a credit card with the Bank of America. 

I went to the University in XXXX ( XXXX ) when I graduated I went back home XXXX. 
I came to the USA so many times as a tourist but never worked in anywhere. 
I never worked in XXXX of XXXX. ( I just got my working visa on XX/XX/XXXX from XXXX XXXX in XXXX ) I was living inXXXX ( XXXX I can prove it with my passport or I-94 ) I moved to the USA on XX/XX/XXXX with my family. 

I need your help to fix this.
Product: Money transfer, virtual currency, or money service

I am 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 recovering lost funds was impossible and that tracking these transactions was unfeasible.The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( XXXX ). XXXX and Remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Two weeks ago, I reported an account that does not belong to me to Chase, and the FTC identitytheft.gov report for the amount of about {$2400.00} dollars. This account is fraudulent, and Chase has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus continue to ignore my written request for disputes and there are " errors '' with their web applications that keep me from filing online. 
When I call in I get transferred, put on infinite hold, disconnected, or the run-around. 
There is incorrect information repeatedly reported regardless of the proof I send of payment, etc. 
I have been unable to get a mortgage and have an astronomical interest rate on my vehicle due to this and no resolution for YEARS.
Product: Vehicle loan or lease

I completed an application for a vehicle purchase on carvanaXXXX was approved and uploaded requested documents. I also paid a {$590.00} " non '' refundable transfer fee via ACH. The transfer fee was listed as refundable up until the car 'ships '. I received a notification from Carvana that the day after the fee processed that the transaction was going to be terminated by Carvana and the termination happened within two hours of 'their ' termination period. I don't have a car and they took the {$590.00} I paid. If i cancelled the transaction and i agreed to pay then it is on me< But Since I did not cancel the transaction, the non-refundable fee seems bias.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to Equifax, XXXX, XXXX, and XXXX XXXX via their customer service teams but they will not help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processg was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.