23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

SPECIFIED CREDIT ASSOCIATION 1 INC use my report without my written consent. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never completed an application for anything from this company. I called them and let them know it was fraudulent activity and nothing was done. This needs to be taken off my credit report. For date XX/XX/XXXX, XX/XX/XXXX. My rights are as followed. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Product: Payday loan

Misleading, excessive interest rates, lying about reporting to credit bureau. 
When you talk to them and the mailer informs you that you are approved, you get a loan look at the website, it looks like you are paying {$100.00} per {$1000.00} lent which is fair. They ask you the days you get paid, i get paid twice a month, they charge me not {$100.00} for the whole loan but per pay period and deduct {$150.00} each pay period so basically you only pay {$50.00} towards principal. These are loan shark rates. Also, they state in emails that they report positive payments to the credit bureaus. That is a lie, They misinformed me I believe I should only pay {$100.00} like they told me, I have paid the entire principal off when I found out about the scam but {$500.00} in interest for only 90 days of a loan.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$5900.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance {$0.00}, XXXX balance {$1300.00}, XXXX XXXX balance {$36000.00}, XXXX XXXX  XXXX balance {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. 

In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page 9 shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.
Product: Student loan

I co-signed for a relative 's student loan at Wells Fargo Bank. The relative moved out of the country and I can not reach them. Wells Fargo demanded that I repay the loan I co-signed for and I have been doing so for almost a year. Since I am repaying the loan I asked Wells Fargo for access to the loan on line. I think my relative 's parents may be trying to make some payments on the account but without on line access I can not find out. Since I co-signed for loan and since I am making payments on loan why can bank refuse to provide me with on line access to an account that I am legally obligated to make. Bank tells me that only the original borrower can authorize me access to look at how my payments are being credited. Is that true? Can they block me from seeing how and when my payments are applied to a loan I am legally obligated to make on line? They state that I can call them for this info at any time and they will give it to me over the phone or by mail but I can not have on line access. I am a Wells Fargo Bank customer and although they told me initially that I can have on line access to my checking account, credit cards and all loans they stated that student loan co-signers can not view their loans with them unless the original borrower who is in default calls them and grants me access. What rights do I have to this loan information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 5 letters to XXXX, XXXX, and Transunion - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.
Product: Debt collection

I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, he original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
Product: Money transfer, virtual currency, or money service

I tried to withdraw XXXX euros from binance to a XXXX XXXX XXXX XXXX  a month ago, but the bank rejected the transfer. I was hoping to see XXXX in my wallet but I havent received yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Hi, I have a store credit card with XXXX by XXXX XXXX. 
The card was opened on XX/XX/XXXX. but approximately after six months ( XX/XX/XXXX ) there was a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/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
Product: Credit card

I had an unauthorized payment for the full balance of the credit card I have with XXXX XXXX  {$3900.00} pull on XX/XX/24. When I called and told them we needed the funds send back because it was unauthorized they said they have no way to send wires or ACH and that we would have to wait XXXX business days then call back and ask for a refund and the only way the could send funds back was with a check through XXXX. XXXX gave no other options of returning the fund that have drained my account. I have now called my back to dispute the charges coming from my account.
Product: Credit reporting or other personal consumer reports

I am writing regarding the ongoing inaccuracies related to the account in question, which has been disputed multiple times with all three credit bureaus ( Equifax, XXXX, and XXXX ), as well as with XXXX XXXX. Despite my previous efforts, this account continues to be inaccurately reported across all platforms. 

My most recent dispute, under Confirmation Number XXXX, was submitted on XX/XX/year>. The investigation was marked as completed on XX/XX/year>. According to the results, the account information was " Modified, '' which inherently suggests that changes were made. This leads to a significant question : How can the information be simultaneously " verified as accurate '' while also being " modified ''? The two are logically inconsistent. 

Additionally, the account information reported by XXXX XXXX does not align with the data provided by XXXX and XXXX, even though XXXX XXXX is responsible for reporting directly to these credit bureaus. This ongoing inconsistency demonstrates a clear failure in the credit reporting process. 

I have attached XXXX XXXX initial response to my first complaint, in which they claimed the information was accurate and verified. Yet, when I submitted further disputes with the credit bureaus, the information was once again modified without any resolution of the inaccuracies. This continued failure to provide accurate reporting highlights willful negligence on the part of XXXX XXXX and the credit bureaus ( XXXX, Equifax, and XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information, including XXXX XXXX, are required to provide accurate information to the credit bureaus. The ongoing misreporting and failure to correct the record after multiple disputes violates these statutory obligations. Additionally, I believe I am entitled to damages for each month this account has been inaccurately reported, as well as for each violation committed by the credit bureaus and XXXX XXXX. 

In light of the continuous inaccuracies over the past few years, I am prepared to settle this matter for {$5000.00}, an amount I consider to be a fair and reasonable remedy given the harm caused. This includes the removal of the inaccurate account from all three of my credit reports. If this resolution is not achieved, I am fully prepared to proceed with legal action, as my consumer law attorney is ready to take the necessary steps to seek the full remedies afforded to me under the FCRA until a satisfactory resolution is reached. 

I expect to hear from you promptly regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and I have send letter and wrote each credit company and also keep putting the fraud account since my husband death. I dont know where to do XXXXXXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX account never had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried a credit repair didnt do anything I can not afford I never lived in New York for some kind cable I dont want to file bankruptcy at all if these people dont listen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

I opened my Savings Account with SunTrust Bank in XXXX in XX/XX/XXXX. SunTrust sent the XXXX form to me every year so that my husband and I could complete and return it. Around XXXX / XXXX XXXX XXXX had a protracted postal strike and our postal system all but collapsed. During that period we didn't receive these forms and I think this started our problems. We emailed SunTrust a letter instructing them to close our account and pay the money into our XXXX XXXX XXXX  account. 

SunTrust 's XXXX XXXX replied in an email on XX/XX/XXXX that our signatures didn't match the signatures on her records which is absolutely nonsense as they received our signed XXXX forms for at least 10 years. 

On XX/XX/XXXX we received a notice that the account had been closed and the money transferred to some lost property account!! We need assistance in tracing where our money was transferred to and how to get hold of it.
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. 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 impossible and that tracking these transactions was infeasible.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I have been notified that my Social Security number was apart of a Data breach. I would like to challenge the accuracy of these accounts thats on my credit report. Please provide me with the internal records of these inaccurate accounts attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an account that did not belong to me ( XXXX XXXX  XXXX account : XXXX ) As a result of that dispute, the account was removed from my credit report on XX/XX/2022. This information can be verified via Report XXXX XXXX. 
( I have copied and pasted this report below : ) What happened? 
The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been removed from your credit report. 
Source : Experian Date Submitted : XXXXXXXX XXXX XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX If my understanding is correct, once a disputed account has been deleted from your credit report, it can not be placed back on your credit report. That is the purpose of this letter, to inform you that this account has been placed back on my credit report after it was previously deleted. 
Please remove this account from my credit report, again, and send me an updated copy, via XXXX, showing the item has been removed. 
Thank you, XXXX XXXX.
Product: Credit reporting

I have been watching my credit report on all XXXX agencies since I was sent to default on some student loans I should n't be in default for, regardless, I have been submitting disputes to agencies and slowly building or trying to build back a credit they seem to no longer care what I dispute. I have never had issues with experian until now, I used to be able to send a dispute and the matter was cleared or adjusted as such. This creditor is now the one that falls behind and fails to update my report as requested. I am told phone call after phone call that they do n't handle the reporting or that they all report the same issues which both in fact are false. If they all reported the same thing I would n't have this issue and each business wouldnt just wipe out XXXX report and not another. I have collections accounts that have dropped off of XXXX and XXXX because they no longer belong to that company, and the company that has it has been only able to post that is in in collections and not each months payment. Experian fails to update my report and wipe off those that are paid, as I was told by that company they would disappear and they have not. I have disputed items and even mailed in items per the disputes request and no update or response was given from experian.
Product: Checking or savings account

On XX/XX/year> my checking account went into overdraft by {$110.00}. The next day, XX/XX/year> deposited {$110.00} to avoid the overdraft fee. The same day another ACH transaction was pending but had not posted. That day I called the branch manager XXXX, and explained my situation. He told me that as long as I had the amount to clear the {$110.00}, that the pending overdraft fees of {$100.00} would fall off, due to overdraft grace. The next day, the fees didnt fall off and they hit my account. That resulted in another overdraft fee being applied for the ACH Transactions that was pending. After ignoring my messages and calls for 2 days. The manager does a complete change and says that the deposits werent in time, but when I presented him with proof, he just claims that isnt how their system works and that he couldnt help me. I did everything he instructed me to. And if you look at my account. At the end of each day, the only thing that had my account negative, was the overdraft fees themselves. How can your manager instruct me to do something, and then not stand by his word? Its crooked and a deceptive business practice. If he wouldve said the truth from the start I couldve easily moved more money to that account to cover it.
Product: Student loan

My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

several times I have requested this company to stop harassing me about this alleged account I have demanded this company by mail to block and delete my information from their data sharing system they refuse to do so they continue to harass my family and I by phone mail email I believe they even have people waiting outside of my home my family and I feel extremely threated and this must stop immediately.
Product: Debt collection

In XXXX of 2018, we moved from XXXX to XXXX. Earlier today we noticed this company ASSOCIATED CREDIT SERVICES , INC. on my husbands credit report. We called and the representative initially had a hard time locating him until we provided his social. We never received a notice that the bill was past due. We never received any notice from this company. Nothing. The rep from the collection agency said its our fault because we should have notified them that we moved. As if we KNEW of the debt when we with over 1,000 miles away from where they sent it. We logged in today to our online account with the company ( XXXX XXXX XXXX ) and the amount we owed was DOUBLE what it normally is. We werent on some negotiated billing or whatever. We paid each month what was due so to even see it doubled is troubling. Its as if XXXX XXXX XXXX punishes you for leaving. Anyway, the communication from the rep at the collection agency went nowhere. Im publishing this to let everyone know to beware of this collection agency and XXXX XXXX XXXX. They dont send notices and then add XXXX to your credit report.