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

The credit reporting bureaus XXXX tu and XXXX failed to delete innaccurate acct information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX created a new acct without my authorization added two years to the original deliquency. Intimidated me with threats of lawsuits as a XXXX  citizen I am entitled to fair protection from abusive practices. I paid in settlement 6 credit balances in exchange for agreement to remove the negative reporting and the 2 collection accts I refuse to pay since I have no relationship to them and they add extra fees of close to {$2000.00}. This is an abuse under the regulations of fcra. 
Since the credit bureaus have not responded to my requests I would like to ask cfpb to help resolve this, I am unable to get a loan now which means no transportation. no employment and this makes unnecessary hardship to pay my property taxes and support my family thru school. Its very disheartening because I know there have been recent class actions against XXXX tu and XXXX as well as XXXXXXXX XXXX XXXX XXXX XXXX yet they persist in flagrant violations because of profits received at consumer expense and and somehow manage to pay huge litigation costs and settlements yet continue to flout the laws and regulations which provide equity to lowly consumers.
Product: Credit reporting

On numerous occasions, I 've disputed an incorrect filing date for a judgement that appears in the public records section of my credit report. The actual filing date is XX/XX/XXXX, but my credit report reflects a date of XX/XX/XXXX ( which is the date the judgement was issued, not the filing date ). The XXXX XXXX court system keeps confirming the incorrect date so I obtained an official copy of the docket and forwarded it to the XXXX credit bureaus for an internal review. Thus far XXXX of the XXXX have made the appropriate adjustments. Equifax attempted to make the changes but keep reverting back to the same incorrect information. I have complained and re-investigated the item with them on numerous occasions to no avail which leaves me to file a consumer complaint and possibly a complaint with the FTC if corrective actions are not taken.
Product: Credit reporting or other personal consumer reports

At this point in time, Experian, XXXX and XXXX are in violation of 15 USC 1602 ( p ). I requested for unauthorized inquiries to be removed from my report. To my knowledge this information still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax ; XXXX  and XXXX  a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On or about XX/XX/year>, I noticed several withdrawal transactions from XXXX XXXX  out of my USAA Savings Account No. XXXX. There was a transaction from XXXX XXXX for {$1000.00}, {$80.00}, and {$50.00}, totaling {$1100.00}. I do not have an account with XXXX XXXX, the transactions are fraud, and the {$1100.00}, needs to be returned to my account immediately. I filed a dispute with USAA explaining these transactions are fraudulent, I never authorized any payment from XXXX XXXX, and I requested my money to be returned to my account to no avail. USAA and XXXX XXXX are refusing to credit my account or return the money stolen for {$1100.00}, for the fraudulent transactions. XXXX XXXX XXXX XXXX Department Police Report XXXX. XXXX.
Product: Debt collection

LVNV fundding sue me in the state of Florida where they don't even have a lucense to sue. A license number wasn't provided. In the state of Florida the statute of limitation is up for the debt and still they sued. This case has fraudulent activity. But, I didn't have a chance at the judgment hearing to prove my case.
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 institute and Zelle failed to investigate my claims adequately. They informed me that recovering 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 consumers safety.
Product: Credit card

I used to have an american express corporate credit card ( AMEX CC ). 
I left that company and card was discontinued AMEX sent me a cheque of {$56.00} and I deposited it to my account.Now I received a bill from AMEX stating that I owe them $ XXXX.I called them once ( I forgot the date ) and they told me that I have deposited XXXX cheques of {$56.00} each and not XXXX.I reviewed my bank records and could not locate XXXX deposits.I told him that.But I continued to get the bill.So I called again on XXXX XXXX XXXX and discussed the issue with AMEX.The lady who was on the call told me that an inquiry will be opened and I would get a call back from AMEX stating the date of deposit and the cheque numbers and the bank account where those XXXX cheques were deposited. 
I never received that call and my account was sent to collection agency in the meantime. I received a letter from collection agency. I called AMEX and Collection agency at the same time on XXXX ( or XXXX ) of XXXX XXXX and put both of them on speaker phone so they could hear each other.XXXX from AMEX and XXXX from XXXX were on phone with me.XXXX told us that he would add a temporary debit of {$56.00} within 48 hours to my account to make the balance XXXX which will propagate to the system of collection agency.I called collection agency today ( XXXX XXXX XXXX ) and nothing has happened.I called AMEX and threatened them that I would report this to CPFB, XXXX, police.Then the person told me that the other cheque was deposited on XXXX XXXX XXXX ( which I was not told earlier ) and he would call me back in 2-4 hours with cheque number and the bank to which it was deposited.But no matter what this would affect my credit rating on top of the harassment I faced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX XXXX # XXXX ..., # XXXX ...., XXXX XXXXXXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I made calls to Chase on XX/XX/XXXX and XXXX because I can't send a XXXX  payment to XXXX XXXX XXXX after several attempts. They would lock my account every time and I have to call for them to unlock and asked several security questions. I did this for approximately 10 times.

I requested them for a new debit card because I don't have an active debit card but they will not send me. 

Then on XXXX XXXX, I made a wire transfer to my daughter after her account was verified, my daughter 's name is XXXX XXXX XXXX. Every time I initiate a wire transfer online, they would lock my account then I have to call them to unlock my online banking and every time, I would go through a series of security questions and did this numerous times and they advised to do other way to get my funds like checks. So I ordered for books of checks mailed to my address in the XXXX and I got it after over a month. I ordered on XX/XX/2024. So, I issued a check to my daughter XXXX XXXX XXXX and she deposited it to her bank. It cleared on my Chase account but they reversed it. They put it back to my account saying it was a bad check. 

On XXXX XXXX, I also XXXX  XXXX XXXX but they also locked my account and I called several times after to unlock my account and still they did not allow the transfer. They would lock my account every time. 

It's getting so so hard to transact with Chase. I need to access my funds for my daily needs. Although, they are protecting me against fraud, it has affected me terribly because I can not get access to my funds. Despite the fact that they advised me to do wire transfer or issue a personal check, still they are not releasing my funds despite that I am able to pass their security questions. 

Please help me with my dire situation. 

I called them so many times from XXXX, XXXX through XX/XX/XXXX that I already got tired of calling them and all I am dealing with is their system, Even the supervisor can not help me because it's their system deciding my case. I am getting helpless that's why I am asking for your help.
Product: Credit card or prepaid card

On XX/XX/XXXX Citibank contacted me. Customer reference number # XXXX. They stated that I was enrolled in an optional credit protection and I was charged a monthly fee. This was never listed on my monthly statements. I submitted my claim and I was enrolled without my knowledge. On XX/XX/XXXX, I received a credit of {$1400.00}. They have not provided me with a statement of how they arrived to this amount. I can not obtain any additional information. I 'm concerned that XXXX XXXX and XXXX has the same business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX  XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX   Equifax XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE XXXX {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX Equifax XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX   XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 Equifax XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXXXXXX XXXX XXXX  Credit Cards XX/XX/2018 XXXX XXXX XXXX XXXX  XX/XX/2018
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX # XXXX Balance {$120.00} Open XX/XX/year> I dont recognize this lender and account. 

Under the Doctrine of ESTOPPEL V GRAVENS ( MO ) 281SW 715, 719, I May Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/2019 date opened amount of {$1000.00} XXXX XXXX XXXX XXXX Account XXXX XX/XX/2019 date opened amount of {$2200.00} XXXX XXXX XXXX account number XXXX XX/XX/2019 date opened amount of {$810.00} XXXX XXXX XXXX account number XX/XX/2019 date opened amount of {$420.00} XXXX  XXXX XXXX account number XXXX XXXX XXXX date opened there are 2 balances one for {$590.00} and {$590.00} I never had a contract with the these companies. I do not owe these companies. Does the existing companies have a contract with my signature on it. There is no signature or proof that I owe those companies. These companies have the wrong person
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft as a result of a data breach, and the following accounts and inquiries were reported without my authorization.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I request these items be blocked and permanently deleted from my credit file. 
Fraudulent Accounts XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$710.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1300.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Debt collection

CBE GROUP I have no Idea of this company it looks as if they continuously make my debt a new one and i have no idea what this company is, I've used XXXX XXXX  to dispute it but it continues to reflect on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing many items on my credit with the XXXX, Experian and XXXX. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.
Product: Credit card

On XX/XX/year>, a charge of {$210.00} was made to my personal credit card by a company named XXXX XXXX. I have never conducted any business with this company. I hold an XXXX subscription and exclusively use a XXXX service center for my automobile repairs. I have never required or requested services from XXXX XXXX. 

The credit card has always been in my possession, including at the time of the fraudulent transaction. I discovered the unauthorized charge on XX/XX/XXXX and immediately contacted my credit card company. Upon learning the payment was processed in person, I requested the cancellation of the transaction and the issuance of a new card. The credit card company promptly canceled the payment and issued a replacement card. 

However, on XX/XX/XXXX, the same amount, {$210.00}, was again charged to my credit card. I noticed this on XX/XX/XXXX and contacted the credit card company on XX/XX/XXXX and XXXX for clarification. 
They have been unable to provide a satisfactory explanation, nor have they reimbursed the amount fraudulently charged to my credit card, but just keep insisting that their cards can not be cloned. The company contacted me on XX/XX/XXXX, but the issue remains unresolved. I am still waiting to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

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

I have attempted to reach a human to no avail. The current status of my FICO score is not correct. It falsely claims that I am delinquent but I have made all of my payments on time. And there is nothing on my credit report from them indicating there is a problem, so it's just them tampering with the FICO score with nothing in the report to back it up. The same thing has happened with my wife. 

This is the timeline of events : o Experian pulled my information on XX/XX/ reporting a score of XXXX 
o In XXXX XXXX XXXX, we began our child in a school that uses XXXX XXXX ( a XXXX product ) for aftercare and lunch charges. 
o We occasionally use this service that perpetually states that we are late despite my paying the school twice per month and the school stating that we have never been derelict. 
o We owe no other entity anything for any reason beyond our timely paid credit cards. 
o XXXX Experian reports that my score fell to XXXX due to Too few accounts currently paid as agreed and Lack of recent installment loan information. This same false information is in my wifes report as well. 
o Ive spoken to the school who has reiterated that I have never missed a payment. 
o I pulled my Experian Annual Report on XXXX  and there were no negative statements against me. A completely clean report that lacked the FICO score, so just checking my report would not have indicated there was a problem. I only know because my credit card informs me of the score in my bill. So we are at a loss as to why this group has damaged our FICO scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to XXXX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!
Product: Mortgage

Ocwen has lost, misplaced, or misposted over XXXX worth of payments from XXXX to present. We have also been charged for a forclosure that never actually occured ( {$14000.00} in fees that were supposed to removed with the XX/XX/XXXX loan modification ). We have provided bank statements on XXXX separate occasions ( and XXXX different escalation specialists ) that provide confirmation that ocewn received and accepted our payments ( however Ocwen states we never made the payments even after we furnished proof that we had ). they are reporting us 90 days behind and we are not, we should actually have {$3000.00} in a suspense account? We have been bounced around for XXXX months to different escalation specialists and there is still no resolution. We need help!
Product: Mortgage

I am trying to make the last payment of my mortgage but the company doesnt accept payment thru the website for the last payment, only wire transfer or certified check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, On XX/XX/XXXX, I wrote to Equifax, XXXX XXXXXXXX, XXXX XXXX  XXXX to dispute the multiple hard pulls on my credit report while shopping for the best rate for a VA refinance of my home mortgage. These inquiries are required to be reported as a single inquiry. On XX/XX/XXXX, I received an unsigned response from Equifax, in triplicate, stating in capital letters : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Confirmation # XXXX Equifax suggested that I " XXXX contact the Consumer Financial Protection Bureau or ( my ) State Attorney General 's office about ( my ) issue ''. 

I shall send a certified letter, return receipt requested, to XXXX XXXX, our new California Attorney General as of XX/XX/XXXX, tomorrow. 

When should I expect a response from XXXX XXXX or CFPB staff? 

XXXX XXXX service-connected XXXX XXXX
Product: Credit reporting or other personal consumer reports

If, after any reinvestigation after 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. I sent out validation letters to 2 credit bureaus ( Experian XXXX XXXX ) to verify the following accounts below. The credit bureaus VERIFIED INACURATE DATA. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'Date Reported " is inaccurate Experian reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but XXXX & Experian have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. Account : XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on 2 bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. Account XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on 2 Bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'High Balance ' is inaccurate on 2 Bureaus Experian reports : {$0.00} XXXX reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX