23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Marcus by Goldman Sachs I received XXXX separate letters in the mail yesterday XX/XX/XXXX from this company. They are all different accounts in my name that I had no knowledge of. I don't even know this company. Scared and confused I called their customer service number wanting answers. 

The first rep I spoke with told me i couldn't close the accounts and couldn't give me any information. I asked why be the accounts are not in my name. I said how is that possible when I have 10 different statements addressed to me. She said she didn't know but still could give me any info. Ok so we ended the call. 

I called back about XXXX laters spoke with another rep. He put me on hold and hung up on me. I called back and no answer ( must be closing time ) I called today XX/XX/XXXX First rep I spoke with hung up on me also. 
I called back spoke to a lady that works the front desk and i asked If I could close out 1 account. ( Just to see if i could ). She asked me for some info then my email address and a password. My email address was not on the account and the person went the extra length and set up a password that I didn't not know.

So I told her I have ten different accounts in my name that I have no knowledge of. So she transferred me to a specialist that handles stuff like this. 

I spoke with her and the only info I was was able to get out of her was when these accounts were open.. They were opened XX/XX/XXXX So I asked here wouldn't there be a red flag in the system for so many accounts open in 1 day for 1 person she said no. There wouldn't be because its not a redflag for opening an account. She said that there was a fraud complaint that was put in because I called yesterday to inform them what was happening and that I will receive a decision in 7-10 business days.

I want to know why I'm just now receiving these notices if the accounts were opened in XXXX!
Product: Money transfer, virtual currency, or money service

I'd like to file a complaint to the Zelle account associated with the email XXXX. 

I tried to buy two tickets from his XXXX ad. The user went by XXXX XXXX and used the number XXXX. He was responsive via texting and I thought that Zelle, being tied to major bank accounts, would offer some kind of fraud protection services if this turned out to be a scam. I sent the email {$70.00} and never heard back and never received any tickets. The Zelle transaction was at XXXX MST, XX/XX/2019 with the transaction XXXX. 

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

All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof. 

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof. 

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least 25 different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

TransUnion/XXXX have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

XXXX is reporting my score 100 points less ( to creditors ) than what they are reporting to me. I have proof XXXX has pulled my credit upwards of 50 times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.
Product: Debt collection

I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, XXXX and MRS , so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me  into paying this debt that they are responsible for. 

My phone was stolen on XXXX XXXX XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, XXXX, and MRS BPO, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/MRS BPO about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX  In response to my most recent dispute, Experian responded saying " they contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' This is FALSE! XXXX being the furnisher has affirmed ( providing correspondence ) XXXX XXXX- that upon investigating per my dispute, they have located and removed the item. 

This willful non-compliance is causing harm to my credit worthiness due to inaccurate reporting. 15 U.S.. 1681n. 

15U.S.C.1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, 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. 

I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the UNVERIFIED item- Bankruptcy case # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company Name : COLUMBIA DEBT RECOVERY Collections Amount : {$9500.00} Urgent Request for Removal of Inaccurate Accounts on Credit Report : Upon reviewing my credit report, I discovered accounts that do not belong to me, which have severely impacted my credit score across all three bureaus. I first noticed these discrepancies on XX/XX/year>, and since then, they have negatively affected my financial opportunities, preventing me from applying for mortgages, credit cards, and other financial products. These accounts represent false debts that were added to my report without my knowledge or authorization. I am requesting immediate action to investigate and remove these inaccurate entries. Please confirm receipt of this complaint and provide an update on the steps being taken to resolve this issue. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company is in violation of the FCRA 15usc1681, 15usc1681B and possibly extortion. This is the final attempt before a civil lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing to XXXX XXXX, Equifax and XXXX  for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on Equifax, XXXX, and XXXX. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was originally set up with XXXX XXXX on or about XX/XX/XXXX and I was never late with any of my payments. On XX/XX/XXXX I made my monthly mortgage payment on time in the same manner in which I made all my previous payments. Apparently sometime in XX/XX/XXXX my mortgage loan was either sold or transferred to Select Portfolio Servicing , Inc, I was never notified of this transfer and shortly thereafter my monthly mortgage payment to XXXX XXXX was returned and I was subsequently considered 30 days late with Select Portfolio Servicing , Inc . I tried calling Select Portfolio Servicing, Inc multiple times and no one from their office returned my calls. I contacted them in writing and they stated their credit reporting to the credit bureaus is accurate. I believe this is totally unfair and may be illegal. My Credit Reports have always been immaculate, and this 30 day late posting has dramatically damaged my credit profile.
Product: Credit card

I've always ensured that payments on this account are made promptly, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Mortgage

XX/XX/2020, I received a notice about enrollment in a Chase Mortgage Covid relief program. However, I was unable to enroll in the program because Chase Mortgage immediately transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX did not honor Chase Mortgage 's Covid relief program. In addition, XXXX XXXX sent a notice demanding final payment.
Product: Mortgage

I have been experiencing servicing issues with Bank of America and have never received a copy of my " Mortgage Note ''. I am requesting copies of my " mortgage note and any/all current agreements with the lender. Please be advised that I am requesting solely the requested said items. I am in receipt of payment history and do not wish to have a copy.
Product: Money transfer, virtual currency, or money service

Sent money through XXXX transfer through Navy Federal Credit Union money was never received and requested refund took up to 7-10 days for a investigation to consider refund
Product: Credit card or prepaid card

Good evening. I was reviewing my XXXX inquiries and noticed that an inquiry under the name Cbna/bby appears for the date of XX/XX/2017. I would like to state that I had stated to the Best Buy employee that I had no prior existing credit whatsoever and yet was still told to proceed with the application which was then denied. I believe this act was unjust on the best buy employee 's end because I was mislead into thinking I would even be approved for store credit in order to purchase the item in payments ( which I actually had the cash in hand for ). It is not fair that a store would still have a teenager attempt an application in effort of them to attempt to receive another account receivable who would have to pay a higher interest on their purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : 08 XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ XX/XX/2024 ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Prepaid card

On XXXX XXXX, 2016 i loaded {$500.00} to my account ending in XXXX. My account has since been frozen, with no ability to use the card for debit transactions, no bill pay functions, no ability whatsoever to transfer money off the card.
Product: Credit reporting or other personal consumer reports

I have had requested the credit bureaus to fix several incorrect information on my credit report and they have not done so. I also sent them an identity theft report and they still not removing the incorrect information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party Credit Repair Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

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: Money transfer, virtual currency, or money service

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

Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Unpaid XXXX Credit Card Balance was {$650.00} and paid over 6 months. 
Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Paid {$110.00} XX/XX/XXXX Paid {$120.00} XXXX Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Final payment date. 

XXXX Acct # XXXX This company is showing that I still have a balance of {$100.00}. They were contacted and sent me a letter stating it was paid in full, but have Not updated my report as of today.
Product: Credit card

Had a baby in XXXX, missed my payment. Paid account in full and messaged customer service immediately. They've since only credited back XXXX of one late fee and even though account balance was paid in full have since charged a second late fee and finance charge on top of the other late fee. No further charges were made.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX  XXXX
Product: Money transfer, virtual currency, or money service

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

I recently filed a complaint informing that I am a victim of Identity Theft. The credit bureau failed to block and remove ALL the items included in my last letter.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed I had a fraudulent account on my report with XXXX XXXX XXXX that I need removed immediately as it is affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to discover  that XXXX  is reporting mortgage lates from XXXX XXXX I researched and discovered that they are affiliated with XXXX XXXX XXXX. I had a mortgage approximately 10 years ago. The information is incorrect XXXX  will no longer investigate as they claim the information is correct ... it's not. I've spent hours getting sent from department to department, given email addresses that are no longer monitored. I'm angry and frustrated. My social security number ends in XXXX. The purported account number is XXXX
Product: Payday loan, title loan, or personal loan

Oportun sent me an email saying due to my excellent repayment history I should refinance and get more money. I did. They said approved for XXXX. Then they asked for documents,3 times. Each time they said it was a new loan request, that is a lie, I applied once. Their awful system makes you go through the steps to upload each time. On XXXX I applied, they calmed I applied XXXX, that is a lie. Then they said approved documents on the way. Then a XXXX said no we have to verify your identity, which they did. Back to approved. Then after 3 promises of paperwork coming at XXXX pm a woman, who was never involved said not approved because they could not verify my identity. That was a lie, again. They lie, deceive and take zero responsibility for their actions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681I, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection ACT ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.