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

In XX/XX/year> I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXXXXXX XXXX XXXXXXXX Status : XXXX XXXX XXXX. XXXX Account Status : OK XXXX XXXX  Account XXXX : Closed XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX XXXX Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate XXXX. XXXX Status : Collection/Charge Off XXXX. XXXX Status : OK XXXXXXXX XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off XXXX. XXXX Account # : XXXX Status : Collection/Charge-Off XXXXXXXX XXXX Status : Collection/Charge-Off XXXX. XXXX XXXX XXXX Status : Collection/Charge-Off
Product: Credit card or prepaid card

On XXXX 2021, Capital One froze my account based on fraud. I called them to clear it up and was sent to their XXXX Capital One Fraud Dept. They made me upload my Nevada Driver License, Social Security Card Number and a utility bill to verify my address location. THIS IS TERRIBLE that they are kyc'ng me after I've been with them for 20+ years. I called them several times in the following days to follow-up on my case ( card is frozen now and I guess I'm considered a fraudster to them ) and nothing has been done. They say they have 7-10 business days to review my case. Today is XX/XX/2021 and my card is still frozen. Its been 12 business days thus far. I truly believe I've been discriminated against by the XXXX capital one fraud team because I complained to them accusing them of discrimination, harassment and such. Because of my actions, they threw my case in the trash can. Today, they say they will call me back in 2-3 business days.
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX XXXX, Account # XXXX in the amount of {$1700.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted Experian by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on XX/XX/year> ensuring that they will remove this fraudulent account. Experian failed to remove this fraudulent account and did not provide verifiable evidence to prove otherwise. Therefore, Experian failed to comply with the relevant consumer protection laws, therefore if this fraudulent account isn't removed, I have to assert my rights and seek to take further actions in a lawsuit. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, and a copy of section 605B [ 15 U.S.C. 1681c-2 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

- Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX partial account numbers XXXX. ( Please see pages 12 and 13 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, nor do I have any connection to the creditors listed.
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX and I live in NJ. I sent resident of Florida {$500.00} via XXXX XXXX XXXX XXXX XXXXXXXX XXXX to his Wells Fargo account on XX/XX/year> with sucess. The next day I wired {$11000.00} to his account at Wells Fargo via a regular bank wire. He gave me his " old Account '' number so my bank recalled my money and have beeen holding it for 28 days!! 

My bank has explained that Wells Fargo has the money and is holding it. Wells Fargo refuses to talk to me because I am not an account holder. The gentleman who has the account has contacted Wells Fargo several times and says the money is on " a hold ''. I would like to file a complaint at this time- They are holding my money without my permission. {$11000.00}. I have also filed a complaint form with the FTC. please help - my cell number is XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$27000.00} XXXX XXXX Balance : {$27000.00}
Product: Vehicle loan or lease

I found an auto loan from XXXX XXXX on XX/XX/year>. On my credit report with a balance of {$18000.00}. I have no knowledge of this account and never took out an auto loan. Ive been trying to contact XXXX and they still havent resolved any issues with this effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  's client  XXXX   XXXX  ; was notified  XXXX   XXXX  that his information was used to established a credit card wit h Chase, th e card had a balance of  XXXX  dollars on the account.  XXXX   XXXX  was contacted by t he Chase fraud  department once the account was established and was told at that time the account would not be reported to the credit bureaus. In  XXXX   XXXX  the fraudulent Chase account was found to be reported with all three credit bureaus and a dispute of ID theft was mailed certified mail return receipt to Chase and was signed for by "  XXXX  '' on  XXXX   XXXX   XXXX  ; this dispute included a POA, police report, demographic information and FTC fraud affidavit notarized. In  XXXX   XXXX  another credit report was ordered and once again the fraudulent Chase account was still showing this time with a late payment status ; a second dispute of ID theft was mail ; same as previous. This time the information was received  XXXX   XXXX   XXXX  and signed for by "  XXXX   XXXX  ''. No attempt to make contact with  XXXX   XXXX  was ever made by Chase concerning the reinvestigation of this fraudulent account either time disputes were sent. As of this morning  XXXX   XXXX   XXXX  this fraudulent account was sent to a collection agency . Chase  knowingly violated the FCRA and has violated the rights of my client by failing to properly reinvestigate a known fraudulent account and remove the information. In addition we attempted to conference call Chase about this issue and were advised " no information was on file concerning this dispute. '' We were told this AFTER I confirmed the return receipt showing Chase has the information for dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain a home for my kids and I.
Product: Credit card

Date : XX/XX/year> Your Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL Phone Number : XXXX Email : XXXX Cathay Bank Credit Card Account Number : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am writing to submit a formal complaint regarding the transfer of my Cathay Bank Mastercard credit card account to Pinnacle Bank , a Tennessee-based bank , without prior notification or my consent. This transfer has resulted in several issues that have negatively impacted my ability to manage the account and make timely payments. 

Specifically : Lack of Notification : I was not informed in advance about the transfer of my credit card account from Cathay Bank to Pinnacle Bank. 
Access Issues : Cathay Bank has removed all access to my account, including the online portal that I used for managing payments. 
No Instructions for New Access : I have not received information or instructions on how to access my account at Pinnacle Bank to make payments or manage the card. 
Missed Payments and Credit Impact : As a result, I have been unable to make payments on time, risking late fees, interest accrual, and damage to my credit score. 
I respectfully request the following actions to be taken : Immediate restoration of account access or instructions on how to access my account with Pinnacle Bank. 
Waiver of any late fees or penalties that have accrued due to the lack of communication and access. 
Confirmation of payment processing channels to avoid further delays. 
An explanation of the account transfer process and missing notification. 
This situation has caused significant inconvenience and could have serious consequences on my credit record if not addressed promptly. Please investigate this matter and provide a swift resolution. I expect your assistance in ensuring that the necessary corrections are made and that my consumer rights are respected. 

Thank you for your attention to this issue. I look forward to a prompt response and resolution. 

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

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX  Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00}
Product: Student loan

I have asked for administrative forbearance to be removed from my account as the months in forbearance do not count toward XXXX. I did not ask for this forbearance. 
Their timeline for forbearance removal was XXXX  days and it has been over XXXX weeks since my request. I do not want any further months of non payments and to delay my loan forgiveness and want my forbearance to be lifted immediately. Please force this servicer to remove the forbearance as requested in a timely manner so that I can continue to make progress toward loan forgiveness. Their incompetence is interfering with my XXXX  timeline. 

Thanks for your time and assistance with this! 

XXXX XXXX
Product: Credit card

I was charged a late fee for no apparent reason on my American Express Business XXXX. I believe they changed the cycle payment date on me and they refused to refund the late fee of {$35.00}. I would be very suspicious of their practices as they have been quite aggressive in trying to get lower income Americans off their rolls.
Product: Debt collection

I received an email from a company called Midland Credit Management in which I have never signed any agreement with this company about any type of debt. I would like for them to cease and desist any forms of communication and remove my name and or account information from their system being that this is fraudulent. My identity was stolen by an ex-wife after a divorce XXXX  years ago in which I had to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX 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 I did not give, written or verbal consent for this account to be opened.
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 accordingly. They informed me that recovering lost funds was impossible and that tracking these transactions was a task that could not be handled. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, which I have gone through personally. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have over 7 times try to dispute XXXXXXXX XXXX with transunion and i am not getting any acknowledgment its been 6 months cfpb complaints keep getting closed when it shouldnt be
Product: Debt collection

Around the beginning of XXXX, 2019 I noticed a collection account was added to my credit report. I never received a letter of any debt owed from this company or from the original creditor for that matter of any debt owed, prior to this collection being placed on my report. 
To my understanding they should have sent a letter giving me 30 days to dispute this, or pay it, if it belonged to me. I have no knowledge of this belonging to me. 

On XX/XX/XXXX, I sent this company an email asking them to remove this from my credit report, I never received a response from them. 

Email from me is attached.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is 4 years later and still showing on my credit report.
Product: Credit reporting

I am a victim of Identity theft. I went to rent a condo and on my credit report showed a EVICTION that I never had, the person also went to court using my name and a judgement was settled against me. I did go to the police and the individual was arrested. I did flag my credit now what do i do to take it off my record. I cant rent anywhere with that on my record..
Product: Mortgage

PURCHASED HOME IN XXXX FOR {$39000.00}. REFINANCED IN XXXX WITH XXXX BAL INCREASED ON MORTGAGE TO {$76000.00}. ENTERED INTO HAMP AGREEMENT WITH XXXX XXXX BALANCE INCREASED TO {$99000.00}. XXXX SOLD MORTGAGE. 
BSI MORTGAGE SERVICER. DEBT FORGIVENESS OF {$44000.00}. WHY DID THE HAMP AGREEMENT INCREASE MY MORTGAGE AMOUNT? HOW DO I DETERMINE WHAT IS THE ACTUAL MORTGAGE BALANCE WHEN MORTGAGE SERVICERS CHANGE EVERY YEAR?
Product: Payday loan

I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure.
Product: Bank account or service

Bbva placed a security hold on my account on XXXX. My employet has deposited my checks via direct deposit into this account. Ive been told i will not have access to my funds until they hear back from their upper management to figure out why my account is on hold. Ive tried faxing documents to verify my account and they wont even allow me to close my account
Product: Debt collection

ERC has informed me that they are handling a collection account for XXXX. The issue is that the date this debt became delinquent was before XXXX and they are reporting it now as a XXXX debt so that it will age current and affect my credit for longer than legally required. What they are reporting is false and XXXX is required to furnish truthful information and so is ERC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from XXXX Bank, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX stating that I have new hard inquires on my credit reports that I did not authorize. I have not applied for new loans or credit cards in almost two years now and did not authorize any of these credit reporting services to run my credit. The following are the companies that it says ran my credit : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within XXXX days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.
Product: Debt collection

Im owe a debt to American Express, Im have being unemployed since XX/XX/2019. But Im paying them a monthly payment of XXXX a month. I have repeatedly told them that is all I can pay but they keep calling me repeatedly trying to set up a different plan. Asking me about who is supporting me and why cant they give me more money to help with this debt. I find this unusual because Im paying off three other  card with payment of XXXX a month, and has never been harassed by them. Instead they send me a monthly statement of how much I have payed and what my balance is. This has gotten out of hand to point that I will not answer my phone if your number is not in my contacts list. Looking for some much need help with this.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, upon reviewing all 3 of my credit reports I.E. XXXX, Experian and XXXX. They all reflect unauthorized hard inquiries on them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS XXXX DOB XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patenly incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the reinvesigation of information and lousy attemped was done clearly.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.