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

My issue is that when I have disputed debts with XXXX XXXX, equifax, and XXXX  I put in a dispute, no answer from either company nor response. Or say that they have verified that the debt was mine without sending proof. And my credit isn't being updated lime it should be
Product: Credit reporting

I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted Experian XXXX times and wasted a lot of time because of this nonsense.
Product: Credit reporting or other personal consumer reports

on XXXX XX/XX/year> I was offered a what seem to be a reasonable job opportunity from a spouse on our military  XXXX page and proceeded to ask about details and job description and they had sent me a link to talk to a potential hiring manager for a company called XXXX a man named XXXX XXXX he proceeded to talk to me about the job description requirements and what I would potentially be doing for the company and proceeded to ask for basic information of myself as part of the hiring process sent me a questionnaire of the job that looked like what they wanted the requirements I believe I as they had asked for a copy of my drivers license and social security number to verify my identification using ID XXXX as well as my banking information and told me that I was to send them an amount of {$650.00} to XXXX separate XXXX accounts to a XXXX XXXX ( email XXXX ) and a XXXX XXXX phone number XXXX in order to start the payroll process and get a G.I. tracker in payroll as an employee and once the money was sent, I have not heard anything back and was blocked from the lady herself on what was going on and what happened and the person XXXX has also yet to respond to me about the money he has taken for me and I believe I was scammed along with my identity being potentially stolen for their use.
Product: Debt collection

This debt is not mine. I never signed a contract with this company William and Ferch or XXXXXXXX XXXX I have never lived in XXXX XXXX XXXX Nevada. I have been at my home address for 10 to 13 years.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have been an excellent customer who has always paid my bills on time. Naturally, I was completely shocked when I noticed my account was reported late to the credit bureaus in XXXX and XXXX of XXXX I do not think I was late during this time, but if I was, it was either because I did not receive my bill or the online payment system was down. I have had problems receiving mail at my address and I have had numerous problems making online payments on my account. On a related note, the payment history being reported by the credit bureaus is wrong, because XXXX and XXXX reports that I was 30-days in XX/XX/2018, and XXXX reports I was 30XXXXdays late in XXXX. This is impossible because if I was late, it would be either XXXX or XXXX, not both. Please see the attached copy of my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Writing to understand and express my concerns regarding XXXX 's handling of disputes, especially in the light of the recent CFPB lawsuit highlighting significant issues with the platform! Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me covering my lost funds was impossible and that tracking these transactions was unfeasible! CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has allowed repeat offenders to exploit they system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXX/XX/XXXX.
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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$5500.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$20000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$3600.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX : Balance : {$4600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute with XXXX, XXXX, XXXX on XX/XX/2023 to remove collections account Vance and Hoffman LLC. It is reporting inaccurate information to all 3 bureaus. I do not possess any credit accounts with them or any company associated with company. Credit bureaus failed to properly investigate dispute and remove invalid account.
Product: Checking or savings account

Hi, Hope you are doing great. XXXX  days ago today, I had done a transaction in Capital One from my bank account which was my company account. Capital One is a terrible bank that doesn't know how to talk to its customers. When I went to the branch, they treated me with such a Strange attitude that I can't talk. They misbehaved with me and also with my XXXX. I had transferred XXXX $ from my XXXX bank which is my company account XXXX XXXX to Capital One account which is my personal account Capital One.When I started transferring my amount from Capital One, Capital One restriced my account and And the transaction I had done was pending, it was declined by them. Then I went to the branch the next day and they misbehaved with me as I mentioned above. they are not giving me my amount back, they are continuously arguing about the amount of XXXX something dollars which came into my account XXXX  months ago which was sent by my client, they are saying that they want all the details of it. And the details provided to me by the client that I have given them everything but despite that they are saying that the number is not matching with the details of the client. And when I argued with the client, the client blocked me, now I have no option, please recover my amount, I am very upset. I have XXXX $ in my Capital One account, Please return this amount to me, I may get some benefit from this complaint. Because I am doing this with great hope in this complaint.
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 XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Money transfer, virtual currency, or money service

Coinbase has blocked me from accessing my crypto in XXXX when I transferred it to my wallet. The money is there and I did all the steps correct such as using ETC network. They have restricted access to my own fund without warning or any notice. I am verified and did verification again. Resettled my passwords for extra security and still no response. 

A support ticked with case ID XXXX, I created was closed without any action or change or information.
Product: Credit card or prepaid card

XX/XX/19 - I attempted to use the card but it was declined at the register. I used another form of payment and just assumed the stores system was the problem. 
XX/XX/19 - I attempted to use the card again at a different store and it was declined at the register. I used another form of payment. When I returned home I logged in to my account on the internet and it would not let me log in. There was a red statement that said something to do with fraud and gave me a number to call. 
I called the number for Direct Express Fraud Services Department. Immediately they got me to order a new card. I did and it cost {$13.00} to get it immediately. Then they started to ask questions about transactions. I can recall two that she mentioned both for XXXX XXXX, XXXX XXXX. I did not make those transactions. The last I recalled using the card was for two companies, XXXX and XXXX, on line. They told me they would send forms for filing a fraud action, they did and I returned it via fax to their fraud department. 
XX/XX/19 When I went to my post office box there was a letter from them dated XX/XX/19 that stated there was a conflict of some sort and that they couldn't confirm the fraud. The letter said I could request a copy of the docs they relied on by calling a number. I called and they said they are sending it. 

I don't check my online account for this card everyday but I do check it and save my receipts to make a comparison. Had I seen these charges I would have called to complain that they are fraudulent but I hadn't checked recently. 

I wasn't the one that noticed the online purchase, it was Direct Express which is why they shut down my card. 

How is it that they detected a potential fraud and shut the card down and then when they talk to me and I agree they were not my charges they say I am not proving it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath. Here are the ACCOUNTS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

It all started in XXXX of 2011. I am self employed and had this credit card for my business, I was told that i needed to have XXXX now. I would need to be off work for 6 to 8 weeks, so I called this card company and wanted to suspend my payments for about 3 months to get myself back to work and start making payments again, the person on the other end laughed at me and told me that there was no company that would do that. And here we are today. I did not make payments do to not working and now for 3 years after they closed and charged off the acctount I am getting summons and garnishing on my bank accts, some that i do n't bank at anymore, and one most recently that they took money from that was to go to contractor who did work from a storm that we had.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$320.00} / XX/XX/2022
Product: Student loan

I submitted my application for public service loan forgiveness on XX/XX/2021 through Fedloans. I received acknowledgement of my application on XX/XX/2021. I received a notice with an updated payment count on XX/XX/2021 confirming that Fedloans had updated my payment count on loan sequences XXXX and XXXX to 120 payments. I reached out to customer service and they said there was nothing to do but to wait and that once the loans passed internal review, they would be passed on to the Department of Education in batches, likely in 2 weeks time. Several weeks pass, I contact customer service again to see if there are any updates. They state that the process is " non-linear '' and that they can not comment what the steps are or which steps have been completed. It is unclear to me ( and hundreds of other borrowers ) currently in this limbo why there can not be more transparency about this process. It is also frustrating to call different customer service representatives and be given a different answer each time. The goal of this program was to encourage people to work for non-profits and governmental agencies for a period of 10 years but in effect, it is actually tying them in place for 10.5 years. I have turned down job offers during this period of time of limbo, decisions which materially impact my family. I respectfully ask for your assistance in increasing the transparency of this process for myself and others like me who feel trapped and helpless in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a CFPB complaint against Equifax because two months had passed since I requested an investigation, and they had not responded yet. Equifax responded to the CFPB complaint on XX/XX/XXXX, and said : " Equifax has reviewed the complaint and its records. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumers current address utilizing our normal dispute process. '' As of today ( XX/XX/XXXX ), I still have not received anything from Equifax. We 're almost at four months now since my initial request and all I get from Equifax is excuses and obfuscation.
Product: Credit card or prepaid card

Regulation Z violation Disputes ending in XXXX and XXXX were opened earlier this year, both for the same reason under goods or services not received. Within XXXX hours, Wells Fargo closed the disputes and no investigations were conducted, as required by Federal law. I reached out to Wells Fargo several times before today, including the CEO. First, I was told that information was needed by XXXX ( supervisor in Claims Assistance ) to reopen the cases. I cooperated and provided the information requested. Wells Fargo acknowledged receipt of the information, yet the disputes were still not investigated and remained closed. For both disputes, I was then told : " Unable to Assist ''. 

Then, in XX/XX/2021, several months later, Wells Fargo decided to investigate the dispute ending in XXXX and provided a permanent credit for the disputed amount, but no investigation was conducted for the dispute ending in XXXX and no credit was provided. Again, both disputes were opened for the same reason, and nothing had changed between the dispute ending in XXXX and the dispute ending in XXXX. Wells Fargo *was* able to assist. Yet Wells Fargo chose to investigate the one ending in XXXX but chose not to investigate the one ending in XXXX. Plus, Wells Fargo is still assessing finance charges on the amount associated with the dispute ending in XXXX. 

Your assistance would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section a. states I have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am filing another complaint on XXXX XXXX XXXXXXXX. This is following a complaint I made back in XX/XX/XXXX. XXXX XXXX XXXX has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. XXXX XXXX XXXX has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

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

I subscribe to XXXX XXXX XXXX XXXX provided by capital one as I am one of their customers. I noticed a new account was opened by capital one/ XXXX in my name in XX/XX/2020 and it was fraudulent as I never applied for this particular credit. I called capital one to notify the problem and they said they were able to close the account before any fraudulent charges were made. They said they would notify the credit bureaus and handle the issue. I saw on each credit report in XXXX that the original inquiry was still showing for this fraudulent account and lowered my credit score. I called capital one and was told I needed to dispute the inquiry with each bureau. I thought this was ridiculous since capital one allowed the fraudulent account to be opened in my name in the first place. Regardless I disputed the inquiries and XXXX removed itXXXX XXXX claims it was validated by capital one and remains, and XXXX XXXX has yet to get back to me. I called capital one to complain as I felt they should correct this on their own as it was their negligence that lead to the fraudulent account being opened in the first place. They then tell me I need to send a letter including my social security number, dob and all credit report inaccuracies to a P.O. Box to get this resolved. Who in their right mind would mail all their private information via us mail ( which has had major issues of late ) and risk that letter being lost or stolen and fall into another persons hands to possible steal my identity again? This is the policy for capital one? It is ridiculous and I should not have to risk further exposure in the process of fixing their original mistake and lack of internal controls. 

XXXX  had no issues with removing the inquiry yet XXXX has given me every problem in the world even filing the dispute and then coming back with a completely inaccurate validation of this fraudulent inquiry. 

Capital one has a responsibility to fix this problem as it originated from their operation, not from me. 

Please advise as I am fed up dealing with these companies.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. The cfpb findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.