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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Equifax ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/2024 ], I discovered discrepancies in the following account ( s ) : 1 * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] XXXX Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] XXXXAccount Number [ XXXX ] *Dispute Information : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX XXXXAccount Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] XXXXAccount Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my Experian report and noticed an unverified account. I have tried contacting both Experian as well as the debt collector. They both refuse to investigate properly and delete this account from my credit report. 

I mailed Experian to look into this account on XX/XX/2019. This letter was sent certified. I also mailed the debt collector on XX/XX/2019 and XX/XX/2019 for debt validation. They mailed me a letter back on XX/XX/2019 stating " we have reviewed this dispute and determined that it did not contain sufficient information to resolve the matter '' this reply was very confusing. 

They continue to refuse to delete this from my report even though it is illegal what they are doing. Please assist. Please see Proof attached.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280000.00}
Product: Debt collection

So I get this lady pounding on my door so I didnt answer it. The. 5 minutes later pounding again so I opened and said hello she attempted to hand me some papers dropped them and said are you mr blank blank and was gone before I could say a thing so I picked papers up off the ground and apparently they are suing me for XXXX and I must show up before the XXXX. Th in this court Im so lost and have no idea what is going on I know there was a debt I dont believe the amount is correct but I have no clue who the lady was and to be repeatedly pounding on my apartment door at XXXX then again at XXXX is ridiculous. Then drop the papers and run away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XX/XX/2023, I wrote to Experian to remove these addresses be deleted from my credit report. Also the following name listed on my credit report is incorrect. To date, I have not received a reply or any acknowledgment that this has been done. In my previous request, I ask that my 100 % accurate information be reported on my credit and request a reply within a reasonable amount of time.
Product: Credit card

American express denied me a credit card not because I did n't qualify for it but because their fraud prevention unit located in XXXX said I could n't prove to their satisfaction that I am actually me and that my post office box which has been my American Express mailing address was not my real adress but a fraudulent XXXX. Becuause of this denial my credit rating will be negatively affected. Amex said they could not help me until I had a paper credit report showing my ratingwas changed. Amex admitted their mistake but said they could n't fix it. I need help in fixing this and obtaining the card I, would have received if XXXX had n't mistakenly cancelled my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Zion Debt Collections MULTIPLE times. Experian continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet experian allowed it to be added back with no verification and without notifying me XXXX days prior as required thus giving me no time to dispute. The collection agency provided no XXXX day letter prior to attempting to adding it giving me no time to dispute. Experian has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report. I have disputed this account 5 times asking for validation. I have requested that they provide the purchase agreement or contract to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me. Look at attachments below of all my disputes, my rights are continually getting violated 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) which states if requested by the consumer ; a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency which i have requested 5 times.

Here is a screenshot of the inaccurate account showing inaccurate numbers and dates. They also lied like I have never placed this account in dispute. I would like this account Deleted within XXXX business days Account number XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers, but also allowed repeated offenders to exploit systems, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raise a serious concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.
Product: Debt collection

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts are incorrect, and it's unsettling for me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Checking or savings account

I placed three online orders on XX/XX/XXXX ; two with XXXX and one with XXXX. All three orders were almost immediately cancelled by the merchants as soon as the orders were placed on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, I reached out to both merchants as I was being advised by my bank ( Current, dba XXXX XXXX XXXX ) that the merchants had not reversed the charges and they were still in a pending status. Both merchants confirmed via written online chat that they had indeed cancelled the transactions and reversed the hold amounts, with that reversal being sent to the bank on XX/XX/XXXX. XXXX went so far as to give me the date, time, and actual reversal code that was sent to my bank on XX/XX/XXXX. I reached out again to my bank today, XX/XX/XXXX to advise them of this and request that the three transaction amounts be released and the nearly {$1400.00} returned to my account without delay. 
Again, I was advised by my bank that they hadn't received anything from the merchants yet and the transactions were still pending. I even included a copy of the screenshot of my chat with XXXX where they give the exact date, time and code for their reversal, and yet my bank is still unwilling to issue a reversal of the holds and return the money to my account, even after being given written proof from the merchant. 
The merchant is blaming the bank, the bank is blaming the merchants ; meanwhile, I am still waiting for the {$1300.00} to be returned to my bank account with absolutely no resolution, and an unwilingness on the part of my bank to do anything to assist with resolving this issue for me. 
Again, I have written confirmation from both merchants that they have already cancelled the transactions and issued reversals on the hold amounts, and I feel that my bank is fraudlently holding on to my money for their own benefit and gain. 
I would like my money back in my account without any additional excuses or delays on the part of my bank. Thank you.
Product: Credit card or prepaid card

the credit card company closed my account on XX/XX/2022 without any reason. that time my account balance was XXXX dollars. they closed my account and sent it to collection without giving me a chance to pay XXXX dollars. I try to pay them but they refuse to take the money or send me a bill. then I send them the payment within a month period anyway to clear the account of any balance. 

Now my problem is that they reported my account as ( collection and charge off ) on my credit report. which is hurting my credit. I want them to change it to ( paid as full. ) with no delinquency and report it to Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681 .15 usc 1681 ( a ) states i have a right to privacy. 15 usc 1681sec.604 a section 2 states a consumer reporting agency can not furnish an account without my written instruction. further each company 's disclaimer clearly state they must have my consent to share my information. 15 usc 1681 c ( a ) ( 5 ) states any adverse information. 15 usc 1681s 2 ( a ) ( 1 ) a 681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. account number XXXX, account XXXX, account number XXXX, account number XXXX, account number XXXX
Product: Credit card or prepaid card

I went online to purchase a product which requires a login to a website to use the product. This was on XX/XX/XXXX XXXX at XXXX. I have the email from " XXXX '' which is the company that collected my money from my credit card. The company then sent me the information to login and start using the software on the website. 
When I tried to login my login failed and i sent them a request to fix the problem ( via email ). They sent me an email back with a different email address ( not my email address ) and password to use the website. 
I thought this was strange and asked them how this works ; they told me they created a fictitious email and password for me to use while on the site. ( and that this was a secure way for me to work and nobody would know who I was, this is sounding suspicious to me already ) When I logged in ; the site let me start using the program but I noticed that other peoples files were on the site too. Why? 
I immediately sent an email to them asking what was going on and they said don't worry about it ... ( this doesn't sound very secure to me ) Also the site uses credits and as you use different parts of the program you use credits which you must buy more of as they get used up... 
Well I hadn't started using the site yet and noticed that some credits were already gone... 
I contacted the company and again they told me don't worry they could just refill credits as needed for free? Really? How is that possible? how does the company make any money ... .Bare with me this will all make sense in the end... 
Now i am thinking this XXXX  is not on the up and up... So I contacted the support page link that was on the actual website ... that's when i learned what was going on. 
They sent me an email which i will include describing to me that XXXX has hacked/ pirated their website and sells account access from other people who have accounts paid for to XXXX This is clearly fruad! 
I asked for my money back from XXXX and they said that they would give me a credit for other services the sell... I don't want a credit from someone stealing someone else 's software and selling it to me... 
Then I contacted my Credit card company and informed them about the fraud and sent them the emails proving everything I claimed aand they said they felt that XXXX acted appropriately and ruled in their favor... WHAT? selling someone's else 's software account is LEGAL? Sorry This is wrong.
Product: Bank account or service

In XXXX of 2016 I found out I was the victim of identity theft and my accounts with USAA Federal Savings Bank had been compromised. The identity thief was able to gain access to my accounts through USAA.com and hijack my online profile. The method used was via telephone at first and once they gained access to my online profile they completely took over my account, changing passwords and possibly PIN numbers. They transferred all the money from my savings account ( ~ {$1200.00} ) to my checking account and then proceeded to withdraw via ATM card money from my checking account in the amounts of {$400.00} ( {$3.00} ATM fee ) until my account was empty. They then purchased money orders from XXXX XXXX in the amount {$1.00} and passed them off as {$1000.00} money orders to deposit them into my checking account via USAA mobile deposit. USAA allowed the deposits and that money was made available and subsequently withdrawn from my checking account. I informed USAA FSB that I was on travel to the XXXX XXXX and I did not authorize anyone to make transactions on my behalf. USAA investigated the fraud and promised they would get this all straightened out and restore my accounts. A week and a half later I contacted USAA to find out the status of the investigation and was told that USAA believes I participated in a scam and they will not be refunding the money I have lost. I filed a police report with the XXXX Police Department, I filed reports with identitytheft.gov, the FBI, the Federal Trade Commission and hired an attorney. USAA, 8 months later, still will not cooperate with my local police department or any of the other offices I have filed reports with and would not respond to my attorney. The Fraud Analyst at USAA XXXX XXXX, stands by her decision every time I request that USAA revisit my claim. I have provided proof that I was not in town at the time the theft occurred and XXXX XXXX stated that I could have " doctored '' that documentation as well as mastermind this scheme. The detective I am working with has also voiced her frustration with XXXX XXXX as she started working with the detective and then stopped returning the detectives phone calls and would not provide the information needed to track down a suspect. The detective was able to get a picture and a description of the person responsible for purchasing the money orders, but the detective has been unable to get a name. I have spoken to XXXX XXXX once and she was adamant that I am responsible for this scam. I asked for evidence, are there voice recordings from phone calls, call records, IP addresses from the mobile deposits. XXXX XXXX says it was all me ( the victim ) and she believes she made the right decision. I need USAA to really investigate this with someone who can look at this forensically such as ; review the call records, are the voice recordings still existent, review the internet transactions and IP addresses, and finally who is changing my profile information and when those changes were made. I will be glad to share my records with USAA if they would listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Good day. 

I called Navient and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the Biden forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing 90 days past due on all my student loan information without a true representation of my conversation with them.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I had a credit score of XXXX. During that same month I refinanced my student loan from XXXX to The Department of Education. The loan amount owed to XXXX was XXXX and the new loan with The Department of Education was also XXXX. 

Once loan companies changed my credit score dropped drastically over XXXX points. I had no late payments as I pay timely, I keep my credit usage less than 20 % and my balances are all under 50 % or less. So, if the loan amounts were the same, why would my credit score drop XXXX points. 

I have reached out to each bureau for answers however ; I get no response. I think something is not right and would like it corrected or an explanation of why the drastic change when no amounts changed. 

Any help will be greatly appreciated. 

Thanks! 

XXXX