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

Company- XXXX XXXXXXXX XXXX payments XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX 15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

Account was never mines, COMPANY NAME CRENDENCE RESOURCE MANAGEMENT. Also Dates being reported are inaccurate. XXXX XXXX was the first date, as well the date changed to XXXX XXXX the amount of {$1200.00}. Ive disputes this on XXXX XXXX  stating was never mine also the name on the debt is not my name its XXXX which is not my name. Its a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm continuously having issues with Transunion and XXXX removing inquiries that they're inaccurately reporting. I've going back and forth with them about inaccuracies they're reporting and am fully aware of they're violation of my consumer rights. These fraudulent and predatory practices are a hinderance to my credit worthiness and outright wrong.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than XXXX 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: Money transfer, virtual currency, or money service

After setting up a new account with XXXX XXXX, I attempted to connect it for external transfers to my account with Ally Bank as well as two other banking institutions. This should be an easy, straightforward process and for the two other banks it was. However, Ally Bank has instead stolen from me and is holding the funds taken without authorization hostage because they are unwilling to see reason. Facts : 1 ) Ally Bank, with authorization, initiated trial deposits at my account with XXXX XXXX. However, Ally only credited the account ( leaving a negative balance and hence removing monies without authorization ) without debiting them back in. They recorded this as failed, despite the objective reality the funds are missing. 

2 ) Ally Bank has also indicated they are unable to link the XXXX XXXX   savings account, which indicates they did receive successful confirmation of the connection vis a vis they knew the checking ( info previously provided ) and savings ( info had not been provided ) were connected. 

Ally Bank is adamant that I obtain some form letter per XXXX XXXX   validating information I already gave them from online printouts : that I have the right account information and that transfers are possible. XXXX XXXX  said I would need to get this from an in branch banker, which during COVID-19 would be a risk to my and my XXXX  child 's safety. It is abhorrent and disgusting that Ally Bank wants me to endanger a baby because they can not get past sending form letters to realize that I've provided multiple times over the information they seek in electronic format, all just to try and get them to try trial deposits once more. Out of the dozen or so banks we work with, this has been BY FAR the worst and most disturbing experience in my lifetime.
Product: Checking or savings account

Around XXXX I opened two accounts ( savings and money market ) with Synchrony Bank after I was told by their customer service that they had XXXX. After I had done over {$5000.00} in transfers to Synchrony, I was told that they do not have XXXX and that transfers from Synchrony can take up to 7 days. 

Last week, I decided to transfer my money back to XXXX and XXXX XXXX. I made numerous calls to Synchrony and was assured that by XX/XX/year>XXXX  my money would be transfer. I have checked XXXX and XXXX XXXX  and the money is not there since it is now XX/XX/year>. I am finding extremely difficult to reach anyone at Synchrony. I also have have sent numerous emails and their customer service leaves much to be desired. 

The money was withdrawn from the Synchrony accounts on XX/XX/year>. I am attaching pertinent documents that are facts to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies are in violation of 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information. 
According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided by XXXX, Transunion, and XXXX I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that Transunion, XXXX, and XXXX take immediate action to address the following : Conduct a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that Transunion, XXXX, and XXXX will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution in accordance with the requirements outlined above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, XXXX, and Experian report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Removal of Inaccurate Information and Remedies for Damages Pertaining to XXXX XXXX Account # XXXX To Whom It XXXX Concern, I am writing this letter to address a matter of significant concern regarding the continual reporting of inaccurate, unverified, and incomplete account information on my Equifax credit report. This correspondence specifically relates to the account named XXXX XXXX, with the account number ending in XXXX. 

Despite my recent dispute initiated on XX/XX/XXXX, I am dismayed to find that the aforementioned account is now appearing on my report without an indication of it being disputed. Furthermore, upon careful review of my most recent credit report, it is evident that Equifax continues to negligently furnish inaccurate and incomplete information about this account. 

Herein are the specific discrepancies that I have identified : 1. Date of First Delinquency : It is inaccurately listed as XX/XX/XXXX, which is inconsistent with the payment history that depicts pays as agreed as of XX/XX/XXXX. This contradiction is misleading and reflects negatively on my creditworthiness.

2. Date of Last Activity : This critical piece of information is conspicuously missing ( No Data ), thereby rendering the account information incomplete and not reflective of the true status of the account. 

This continued negligence and non-compliance with the mandates of the Fair Credit Reporting Act ( FCRA ) are distressing and unlawful. Specifically, these actions are in direct violation of 15 U.S.C. 1681i, which requires prompt investigation and correction or deletion of any inaccurate or unverified information.

Additionally, the persistent reporting of this inaccurate and incomplete account by Equifax constitutes negligent non-compliance pursuant to FCRA Section 617 and infringes upon my consumer rights as governed by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I XXXX XXXX XXXX am a victim of identity theft, I submitted a dispute to Equifax under the aforemention case number. My dispute was supported by all documents required for reference according to Equifax and US FCRA sec.605.b, I am asking that this private corporation block or cease reporting disputed items in a timely manner according to the reference congressional act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inqueires received by XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company several notices of me being being a victim of identity theft and to remove their account off my credit report and they refuse to. I have mailed in several letters dating back to XX/XX/2022 I have also emailed them and called spoke to a representative and they continue to verify this fraudulent account on my credit report. I have provided a police report and a FTC report and agreed to conduct a 3-way phone call with the bank and the bank could not verify the account. And this account is charged off they are also reporting incorrect balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Debt collection

PORTFOLIORECOV from ( XXXX ) XXXX, XXXX XXXX, XXXX Hrs, from ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX Hrs are only the the most recentcalls. This company has been calling me for years. Spoke to person several times explaining that the person they were trying to collect from is not me, I never heard of them. I don not owe anyone anything. I have never written a bad check or missed a bill EVER! This is my home land line number. number is unlisted and on the Do Not Call registry. IT has been my number since XXXX XX/XX/2015 when I moved here. I've blocked their number several times, but they keep spoofing new numbers. This business is the worst of the worst. How can they be stopped? Will someone Please DO SOMETHING! My Telephone number is ( XXXX ) XXXX.
Product: Credit card

XX/XX/XXXX they told me I qualified for increase denied again second time
Product: Checking or savings account

On XX/XX/year> I was at work in my roommate, XXXX XXXX was at home and I got a notification saying my account was {$2000.00} I clocked off work and I went straight home to my room being totally disaster. My roommate went into my room went into my dressers and took my debit card and my Social Security and my XXXX XXXX he use my card at several other stores, which is XXXX target and stop & shop spending thousands of dollars on I do not know what I called him he didnt answer. I called my bank to tell them that I had got scammed because I am from XXXX and I dont understand the American term of language. so Chase had told me they was going to give me a provisional credit within XXXX hours I never received it so my mom stepped in to help me because I have a XXXX on top of not knowing American terms of language well and Chase had told my mom when I was on the phone with her that they will credit me back within XXXX hours to one business day it end up going from one day until a week and we kept calling the supervisors of Chase. We had the manager call us. No one is helping me with my claim. Theyre tossing it under the rug they saying because it was scammed instead of fraud, but I was telling them I was scammed because I dont know the terms of fraud. I thought scam is also included as fraud. Because thats what we say, and XXXX now I am facing a eviction I havent been able to pay my rent and Chase theyre going off the first conversation and keep saying because the pin was used, but my pin number was written down on a piece of paper in my dresser so when he went through my room, he found all of my personal information and he had a camera in my room And when my mom had called in on the phone with Chase XXXX the Chase supervisor herself said that I was being Credit back my XXXX because my mom had explained everything saying that I havent XXXX and I dont understand American language and she said OK. The money will be back into your account. She lied and its been XXXX months going on now and Im still fighting with Chase for my money and XXXX the victim here whos been robbed and Ive been with Chase for a year and this is the first time this have ever happened to me I worked to save my money to make my American dream and now XXXX about to be homeless with the eviction on my name because of CHASE Who havent gave me a credit that kept informing me, which is on voice recording on Chase end saying theyre going to give me credit then lying and saying theyre not and Im too terrified to go into do a police report because Im afraid of the police, but I have did everything else Chase had asked me so this is my last option of reaching out to CFPB to help me get my money back
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. The following fraudulent accounts and inquiries have appeared on my credit report without my authorization. I am requesting that they be immediately blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 1. DEPTEDXXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} 2. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$3700.00} 3. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$70.00} 4. XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$440.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account XXXX XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account XXXX XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$660.00} XXXX. XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$700.00} XXXX. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$740.00} XXXX. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$46.00} XXXX. XXXX XXXX  Account # XXXX, Opened on XX/XX/XXXX, Balance : {$740.00} XXXX. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$110.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$1500.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$370.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$1400.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$700.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$3400.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX Inquiry dated XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry dated XX/XX/XXXX XXXX. XXXX Inquiry dated XX/XX/XXXXXXXX  XXXX. XXXX Inquiry dated XX/XX/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 recent CFPB lawsuits 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 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I opened an account with BBVA and transferred a balance. I noticed my first payment had not been withdrawn from my account, called the company and was informed that I had mailed the payment to the wrong address. I got the correct address and remitted payment. The payment was made before a late fee should have been incurred, but I was charged one anyway. The phone support said there was nothing they could do. 
The company then started started charging me a {$1.00} monthly fee as I had had a late charge. I phoned a local branch and spoke with a helpful person who got the late fee refunded, and said the {$4.00} in minimum fees which had been charged to my account would be returned. I received my statement today. The late fee was refunded, but the {$4.00} dollars in minimum fees were not, and an additional {$1.00} fee was charged to my account. I am in the zero interest period on my account. My statement indicates {$0.00} balance subject to interest rate. I should not be incurring any fees or interest. In addition, the balance transfer fee is listed on the account as a cash advance. I have made no cash advances or purchases on this account. I am concerned about their business practices.
Product: Student loan

Hello, I have a student loan with SallieMae. They keep giving me harassing phone calls. When I tried to make a resolution with them, they did not want to work one out for me. I explained to them that I am having a financial hardship at the moment, since my apartment was broken into two times. But, they did not want to hear it. Please advise or help me regarding this situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX ONLINE PAYMENT ACCEPTED 10 PAYMENTS FOR SOMEONE'S ACCOUNTS USING MY BUSINESS ACCOUNT. THIS PERSON HAD TO ENTER ALL OF MY ACCOUNT INFORMATION, INCLUDING NAME, ROUTING NUMBER, ACCT NUMBER AND VERIFY THAT IT WAS TRUE. THERE WAS OVER {$3600.00} REMOVED FROM MY ACCOUNT WHEN IT WAS DISCOVERED BY MY INTERNAL AUDIT. ONE PENDING WITHDRAWAL WAS STOPPED THAT DAY AND ONE XXXX RETURNED TO ME FROM BOFA, BUT THE OTHER 8 WITHDRAWALS ARE NOT RETURNED. I MADE POLICE REPORT TO XXXX COUNTY ( EVENT # XXXX, AND BOFA FRAUD CLAIM XXXX, AND XXXX TELLS ME THAT BOFA NOR SHERIFF REQUESTED THE NAME ON THE ACCOUNTS THAT STOLE FROM MY ACCOUNT. XXXX ALSO TELLS ME THAT BOFA BUSINESS FRAUD DEPARTMENT HAS NOT FILLED OUT THE ACH FORM TO GET THE MONEY RETURNED FROM XXXX. BOFA TELLS ME THEY HAVE SENT THREE REQUESTS TO XXXX TO GET THEM TO RESPOND TO THIS FRAUD. I CONTACTED OMBUDSMAN, XXXX, AT XXXX AND THIS IS WHERE IT STOPS. XXXX HAS THEIR ON LINE FORM FOR ACH PAYMENTS AND THIS PERSON USED MY ACCOUNT FOR TWO HOMES, ACCOUNT NUMBERS ( XXXX ) and ( XXXX ) NO ONE WILL FOLLOW UP FOR ME. I NEED THE MONEY IN MY ACCOUNT.,