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

In Accordance With The Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666 B a creditor may not treat a payment on a credit account an open end consumer credit plan as late for any purpose. Cease and Desist 15 USC1692 G,15 USC 1692 C
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681b , and 15 USC 1681e ( b ). The issue concerns the inaccurate reporting of charge-offs on my consumer credit reports by Experian.

On XXXX XXXX XXXX, I discovered that the account XXXX XXXX XXXX XXXX XXXX XXXX was incorrectly reported as a charge-off on my credit reports.

On XXXX XXXX XXXX, I formally disputed the incorrect information with both the credit reporting agencies and the creditor, requesting an investigation and correction under 15 USC 1681i.

Despite my dispute, the creditor continued to report incorrect information, in violation of 15 USC 1681s-2, which mandates that furnishers of information must correct and update inaccurate information. Specifically, the account status is listed as a charge-off, which is incorrect. Additionally, key account information and balances are missing or incorrectly reported.

The incorrect reporting has negatively impacted my credit score and has caused me undue hardship in obtaining credit. The incorrect account status also violates 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain maximum possible accuracy in their reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about customer safety.
Product: Debt collection

On XX/XX/2021 I sent collection agency MediCredit a certified letter requesting them to validate a debt they claimed I owe that was reporting on my credit report. 

On XX/XX/2021 I sent a follow up certified letter to MediCredit requesting debt validation. 

On XX/XX/2021 a third debt validation request was sent certified. 

MediCredit has neglected to properly validate the account ( which included signed documents of me giving MediCredit permission to have access to my medical reports/history ) This collection agency continues to verify with CRAs XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from this creditor. Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

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

Ive disputed with all three credit bureaus on my XXXX XXXX  credit card ( XXXX XXXX digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( 5 or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by XXXX XXXX XXXX XXXX TransUnion XXXX
Product: Credit reporting or other personal consumer reports

Applications were made using my name, and this has had a serious impact on both my credit and my credit score. I reached out to Equifax, and XXXX of their representatives assured me that these fraudulent inquiries would be taken off my report. Despite that promise, I still see the inquiries listed, and the issue remains unresolved. 

This situation has been deeply distressing for me. These unauthorized inquiries have not only damaged my credit but also raised concerns about possible identity theft. Knowing that someone could be using my personal information is extremely unsettling and has caused me considerable anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

On XXXX XX/XX/XXXX called with a question about paying off my loan. My question is who to make the check out to. Researched site extensively and nowhere could I find info on who to make payment to. Called, no answer, asked for callback. Got callback but was with a client and could not answer phone. Same thing on Friday XX/XX/XXXX. Called again every day requesting callback, have not received one since Friday, XX/XX/XXXX. Have had phone with me at all times, have cancelled appointments and made arrangements with clients to let me have phone on during XXXX  sessions attempting to accommodate EDFinancial 's system. Attempted to ask via chat but customer service chat not available at this time ( every day for the last week ). Answer not available on frequently asked robochat. I have been on hold for two and a half hours this morning ( XX/XX/XXXX ) XXXX. Call finally answered XXXX Wed XX/XX/XXXX.
Product: Money transfers

On the XXXX we had a scam phone call from " IRS '' and " sheriff department ''. They asked us to pay them {$4900.00} through Bank of America. Because we got afraid we did that. However after we checked with police department in XXXX XXXX, CA we found that this was a scam. We tried to stop transaction but it was too late. The bank does not like to give us money back. We need help to recover our money back. 

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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed that there were unauthorized inquiries showing without permissible purpose that i did not consent to and id like to have them removed. I tried contacting this company directly and struggled getting a representative on the phone. The inquiries id like removed are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Product: Credit card or prepaid card

Citi Custom Cash is billing me {$790.00} for a transmission/product i never received or are attempting to get me refund from the merchant XXXX XXXX XXXX XXXX. They have failed to reopen the investigation dispute and there customer service is basically ignoring everything i tell them concerning the merchant. I spoke to XXXX XXXX XXXX XXXX by phone asking for a refund because they did not have the transmission as they said they did by phone basically lied to me and ripped me off. They agreed to give me a refund. The merchant XXXX XXXX XXXX XXXX sent me a bogus check CK # XXXX by mail and they later put a stop payment on the check causing me to get a stop payment fee of {$20.00} dollars. My Personal Bank is XXXX XXXX XXXX XXXX. Citi Custom Cash has failed to get me a refund or contact XXXX XXXX XXXX XXXX concerning this problem at this time. They are basically ripping me off just like XXXX XXXX XXXX XXXX. There customer service sounds like they are from another country by phone and are hard to understand .Please look into this Credit Card Company! Citi Custom Cash Card case # XXXX./ PHONE XXXX / XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX. MY CARD ENDING IS XXXX.
Product: Checking or savings account

I sent a wire transfer on XX/XX/2022. Was called by Capital One Fraud Department. Asking me questions about the wire. I received 2 wire transfer in a total of {$11000.00}. That is how much the wire was for. It is to fund my XXXX account. They did not like that I was using a wire for a wire. they ask me all kinds of questions. The person I was talking to said she would call me back. She called back and said they would not send the wire transfer. So, the money went back into my account. I check my account the money was back in. But also, my account was locked. I received an email say my account was locked and may be closed. I have received ONE phone call with no information about why. I have left many phone messages and emails. No answer. The call on Sunday was the last I received with no information at all. They say they will call back in 48hrs if they need to talk to me. I need to talk to them. They had no right to lock my account without telling me why. No commutation at all on their part. I would like some answers. And access to my money. I would like some help in this matter. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on their accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

I contacted Equifax because they are NOT updating my credit score or reflecting any of my history for the last 2 years. I legally changed my name 2 years ago and have updated all XXXX Credit bureaus. They do reflect my legal name on their respective websites. I have been unable to get any financial institutions to talk to me because they say my credit history is blank. I have called Equifax 4 times and each time they said they would elevate a ticket to a specialist and they will contact me in 2-3 days via phone or email. NO contact. That has been 3 MONTHS of calling and waiting with no resolution. Ive looked it up and found other complaints similar to mine and they say its likely a split file whatever that means. I'm frustrated that customer support of Major Credit bureau that affect my life cant be bothered to fix the score they are assigning to me and causing me stress. I need help from someone at Equifax that WILL ACTUALLY do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to repair and update some information from my credit report ; however, there's still this certain account that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope these disputed accounts are removed : XXXX XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and apr XXXX 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear CFPB, I am writing to formally dispute incorrect personal information on my credit reports with TransUnion, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and the following discrepancies violate these protections : Personal Information on Credit Reports : Name Discrepancies : Reported names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Correct name : XXXX XXXX XXXX Note : The incorrect names might belong to my XXXX  or XXXX, as I am a XXXX. 
Date of Birth : Reported DOB : XXXX  Correct DOB : XXXX XXXX, XXXX  Current Address : Reported addresses : Variations of XXXX XXXX XXXX Correct address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Previous Addresses : ( These addresses do not belong to me and may belong to my XXXX  or XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Employers : Reported employers : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Correct employer : XXXX XXXX The FCRA mandates credit reporting agencies to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, they are required to investigate and correct any inaccuracies within XXXX  days of receiving a dispute ( 15 U.S.C. 1681i ). 

This is my XXXX  attempt to resolve these inaccuracies, and I am requesting immediate correction to prevent further impact on my credit score and potential financial harm. I urge the CFPB to assist in ensuring the credit reporting agencies comply with the FCRA and rectify these errors promptly. 

Thank you for your prompt attention to this matter. 

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

ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court
Product: Credit reporting, credit repair services, or other personal consumer reports

having trouble seeing my credit score throughout all platforms
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account name : XXXX XXXX Account number : XXXX