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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I noticed someone had hacked into my cash app & attempted to send themselves {$120.00}. It wasn't available in my account or my cash app balance so it didn't take any money out this time. I immediately sent cash app an email request to dispute this. Cash app will warn you NOT to block the individual until you get a resolution from them. This process takes 10 business days. 8 days later on XX/XX/21 ( mid investigation ) the same person sent themselves {$330.00} from my account. This caused me not to be able to pay my rent on time, my account is currently still in overdraft. I've sent them multiple emails as well as tried reaching them via twitter & they give you the same response of waiting 10 days & then stop responding. No one has refunded me yet or reached out with any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have contacted them about validating a bankruptcy on my credit file, they came back verified, So i went to the us federal court and asked did verified the bankruptcy and they said they did not and never do verify bankruptcy. I then contacted the third party company they use and they said the same thing plus my file was frozen with them so they dint. According to FCRA they have to be able to verify all account on my credit report and supply me with how and the information they verified. They lied and has not giving me the information about this and or in violation of my rights, i want to settle this with having to involve the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX customer representative invited me to apply for one of their credit cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX  '' stating that I was denied due to what Experian reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX  Equifax and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808
Product: Credit reporting, credit repair services, or other personal consumer reports

I have letter from creditor directly and email correspondence, about the mortgage being late and inaccurately reported. The mortgage company also has a mortgage for XXXX XXXX and I've never bought a house for more than {$400000.00}. This negative information needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. 
The only Creditor who responded was XXXX and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.
Product: Credit reporting or other personal consumer reports

I never in my life enrolled into experian until I received an alert about a account so as I gain access to the account using my information I realized my credit score was extremely low due to debits I owe to companies that I was never aware of. I contacted experian via email and tried to dispute claims of debts but never received anything back. Inputing false information on credit score has impacted in my life and Im so unsure what to do as I had consent to allow access to my credit for those companies or experian reporting this false claims.
Product: Credit reporting or other personal consumer reports

I just received a new copy of my credit report for LexisNexis on the XXXX and I have found numerous inaccurate information such as phone numbers and home addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.
Product: Credit card or prepaid card

Opened Wells Fargo rewards credit card in XXXX to use primarily for online purchases. Intentionally kept credit limit low due to high probability of card theft/fraud due to online use. Asked Wells Fargo not to automatically increase credit limit for this reason. 

In XXXX, needed an RV loan. At that time, credit score was negatively impacted by ratio of outstanding credit card debt to available balances. Contacted issuer of a different credit card and requested a credit line increase on that card to $ XXXX. It was granted around XXXX of XXXX. 

In XXXX, needed a car loan. At this time, credit score is again negatively impacted by same issue. Contacted Wells Fargo this time to request an increase to the credit card limit. They said they could grant an increase to {$11000.00} without needing to run my credit. I asked them to run credit and provide the maximum available credit limit. They said that they can't request " max, '' but rather need a dollar amount. I said, let 's just try $ XXXX then ( assuming that would be well above their max and the increase would then default to the max. ) Wells Fargo returns that they can only increase the credit limit to {$11000.00}, basically the same as if they had not run my credit. My credit score was XXXX at the time. My monthly income is {$12000.00}. They can only give me a credit limit that is less than my monthly income with that credit score??? I questioned them for the reason. They said I had no experience with a $ XXXX credit card. OK, that is true. I do have over a year experience with a $ XXXX limit credit card, so how about we meet there and you increase my limit to $ XXXX? In looking at my $ XXXX credit card, I don't use it. So, they can not increase my credit limit at all above what they would issue to me without underwriting. 

I need to increase my available credit to improve my credit score and at the same time, I need to keep my balances low so my ratio of debt to credit don't negatively impact my credit score. These 2 goals appear to be diametrically opposed. 

Wells Fargo needs to explain in a very detailed manner how to resolve their internal conflict because they are in my opinion intentionally not allowing consumers to improve their credit scores so that they, Wells Fargo, can charge us higher interest rates. Wells Fargo has a poor track record and here is yet another example of their really bad behavior. 

If they can sufficiently explain themselves, this complaint will be resolved. Until then, I think they need to be penalized for intentionally causing consumers to have artificially low credit scores. Sadly, we are at their mercy.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint to formally showcase my concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this specific platform. Despite using Zelle many times and reporting issues, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was not possible and that tracking these transactions was also not going to happen. The CFPB 's findings showcase that Zelle has not only rejected to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving many users vulnerable to scams. This total lack of responsibility and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

I have contacted Ally multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX Rental which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.
Product: Debt collection

I have email correspondence from XXXX  showing I have did everything on my end to resolve issue to include filing a police report and fraud packet as requested by them and they would remove fraud debt. Years later, just last month they contacted me again via letter saying I still owe a debt and has now made it to my credit report. I asked what happened to the fraud packet I sent them via email. Was told they do not know as it happened years ago and now wants me to start from scratch. Something is awry as if they blatantly ignored the info. they requested from me XXXX for : Attention : Risk Assessment ( Creditor Account # XXXX or XXXX Account # XXXX ) XXXX XXXX XXXX Amount is {$450.00}. 

I did resend the fraud packet which also contains my XXXX  Identification on XXXX. Again, no correspondence from them still. I can not stress enough that I've spent hours with them on then phone trying to resolve the issue with no success despite their assurance nothing derogatory would happen. 

Their info. is as follows : CONVERGENT OUTSOURCING ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I further submitted a complaint to the XXXX  Attorney General . However, they said you all would be the POC : Was advised to submit fraud write of packet and police report back in XXXX and email the following - XXXX XXXX XXXX Attention : Risk Assessment ( Creditor Account # XXXX or XXXX Account # XXXX ). After which, I was advised the accused debt would be dropped. Years later, XXXX, I received another letter from them after silence and my constant follow-up but no response saying I still owe a debt. I call them and after being on the phone with them for over and hour was also told to resubmit the same fraud packet and police report. I asked them what happened in to my dispute XXXX. They said they do not know because that was years ago. Today, I get a notification saying the debt made it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I lost my debit card and transactions were made fraudulently while it was not in my possession so I disputed the charges to which NFCU responded that the charges were valid and did not refund me my money in the amount of {$350.00}. HOW CAN I BE HELD LIABLE FOR CHARGES THAT WERE COMMITTED FRADULENTLY?!? 

Please refund my money in the amount of {$350.00}!! 

Thank you in advance!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with Foreman Financial Inc. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and Foreman Financial as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted Foreman Financial to  discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. Foreman financial has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has Foreman Financial EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!
Product: Mortgage

I am seeking a modification as a HUD second mortgage. I have submitted all the legal documents requested. 
-Divorce Decree uploaded via email XX/XX/year> -Quick Deed Filing uploaded via email XX/XX/year> and uploaded to the portal XX/XX/year> The process keeps getting denied according to Shellpoint Servicing because they are saying they don't know who has complete financial responsibility for the home. 
I keep being made to wait 30 days and even though I contact them nothing has progressed. in the meantime, I am falling further and further behind. 
Every time I have spoken to someone since XXXX I get different answers. Only the latest POC person has been the most helpful, yet she only says what they allow her to say. 
I was told there was a discrepancy with the house 's right owner even though they have the legal documents.
Product: Credit card or prepaid card

I was awarded Unemplyoment bevefirs in XXXX of 2020 bamk of ameruce was to issue me a payment card with my edd bemefits on it. They said 5 to 7 business days i called after the 7th day to inquire about why i hadnt received my card and was informed thaty card had beem activated and had a balance of XXXX when thr starting balance was {$13000.00}. I was transfered to the fraud and the claims depts and tgey semt me a card to my new address or at least thats what they told me. Again i waited 5 days and called back and asked again why i hadnt receibed my card and they told me once agai they semt it to the wrong addres they semt it to the address i had already called and repirted my roomate for stealing my mail and my card. I have complied with every requestAnother card was issued to me and expedited to my new address. But thus time when i recieved it it was NEGATIVE {$11000.00} from BANK OF AMERICA. I CALLED IMMEDIATELY AND WAS TOLD THAT CAEDD FROZE MY ACCOUNT AND WITHDREW MY FUNDS AND CLOSED MY ACCOUNT DUE YO FRAUD AND I HAD TO CALL THEM TO FIGURE OUT WHY. I CWLLEDD AND WAS TOLD TO CALL BANK OF AMERICE BECAUSE THEY DIDNT DO ANYTHING TO MY ACCOUNT AND ARE STILL TO THUS DAY PAYUNG BENEFITS TO ME BUY BANO OF AMERICA IS STEALING THEM TO REPAY THE NEHATIVE BALAMCE THEY LIED AAND FALSIFIED MY TRASNACTION HISTORY AND STATEMENT STATING YHE STATE OF CA EDD TOOK THE XXXX dollars from my account.i have called Bank of america 213 times and have been hung up on transfered and hung up on all 213 times and have gotten litterally no help or response from bank of america . I have lost my house my kids are spread out living with friend s and i am now living in my car depending onthe generosity of friend and strangers to have a meal.while bank of america continues to collect my unemployment benefits fraudelently and gets away with it.
Product: Debt collection

I have health care coverage with XXXX. I was sent a bill because my employer had failed to update my summer health coverage. They paid the bill with XXXX directly in the Fall of 2014. I was later contacted by this debt collection company and they have refused to remove the erroneous claim from my credit report.
Product: Mortgage

I called my servicer, NewRez, to inquire about a Covid forbearance plan on XX/XX/2024 at around XXXX XXXX. I had called on XX/XX/XXXX and was told that I would have to call back the next day. On XX/XX/XXXX, I spoke with someone named XXXX and inquired about the Covid forbearance plan and was told that it no longer existed. I was told that the only plan that she could offer me was to be 3 months in arrears and then to apply for a deferment. She said I could go to the website for any additional information. My mortgage statement had specifically said to call the number I did if we were affected by Covid-19 and struggling to make payments. My wife works in the XXXX  industry in origination and fortunately knows more about the forbearance plans than I do. She was able to find the option hidden on the website in our account ( not on the main page ) to apply for Covid forbearance. I feel like this was very misleading and if she hadnt known that the option existed, I might have been mislead into making a very bad decision for my credit and my home ownership. I dont want other people to fall into this trap.