23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccuracy on reports from all three CRA 's. I was able to file disputes with XXXX and XXXX without issue, when I attempted to file my dispute with Equifax they asked that I contact them via telephone to proceed. 

On first contact with Equifax XX/XX/2019 I was told their systems were down and to contact back in 30 minutes. Second contact I was told they could not hear me and disconnected the call. Third contact I was finally able to speak to someone, and they were able to pull my profile but refused to allow me to make a dispute without faxing or mailing two ID scans. My problem with this is Equifax on the same day issued my Credit Report to me with the same information via XXXX, yet were denying my right to dispute this information. I offered to provide the documents via the internet ( a communication channel they deem acceptable for themselves and third parties, but supposedly not okay for me to use ) and they refused. I spoke with this agents supervisor, and then sat on hold for 50 minutes to speak to the supervisors manager. ( Manager name XXXX, Agent ID # XXXX ). XXXX was unable to answer why the information provided was sufficient to issue a credit report, but insufficient to file a dispute. XXXX was also unable or unwilling to accept my documents on an accessible communication channel. 

I demand my right to dispute this inaccuracy be provided, as both other CRAs did without legal intervention.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX and # XXXX and also Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nt treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I settled a credit card account with the XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a few things on credit that are giving me issues. I enrolled into a debt consolidation program and the settled a {$6000.00} loan I had through XXXX however, there is still a balance on my file. 
The other issue is there are 2 collections on my file for your company through Knight Adjustment. You are double reporting a debt of {$330.00} and reporting a debt of {$460.00} that I do not recognize and do not believe to be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Account charged off. {$2900.00} written off. 
XXXX XXXX XXXX Potentially negative ount info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$380.00} XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$390.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00}. 









ALL FCRA VIOLATIONS SEE HANDBOOKS : NOT MINE
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. 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: Debt collection

I noticed Portfolio Recovery was reporting a debt to my credit report. I reached out to the company 3 times via certified mail to verify the debt. No one has responded or contacted me with any details. I have tried to contacted them via phone and they do not have the right information. I have tried to dispute this information via the credit reporting company but they refuse to remove it.
Product: Mortgage

Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment.
Product: Debt collection

I have a fraud case from XXXX for XXXX and I filed a police report XXXX and filed with XXXX and notified XXXX ( XX/XX/XXXX ) the debt collector with form and a conversation. So XXXX got another collector to come after me ( I.C. Systems ) again I filed, called and told them to leave me alone. They still call like every day. This is harassment - the debt is not mine and I have done everything i am supposed to. It needs to stop. it is over a year now. i never had Att as my service provider during the year of XXXX. As a matter of fact XXXX XXXX service sucks. I have been with XXXX and XXXX only. Please make it stop.
Product: Debt collection

on XX/XX/XXXX and XXXX XXXX i requested that ARSAccount Resolutions send me Validation of Debt and HIPAA authorization. I asked for them to please provide a breakdown of fees including any and all collection costs and medical charges. I also asked for them to provide a copy of my signature with the provider of service to release my medical information to them. This is a medical debt legally required to be in possession of in order to collect on a medical debt. ARS Account Resolutions has done nothing but send me a letter only stating the collection costs. This is unlawful and is detroying my buying power and character a consumer. 
I wrote multiple letters to XXXX, XXXX, and XXXX asking for them to properly investigate ARS Account Resolutions accounts on my credit report on XXXX XXXX and XXXX XXXX also and they have not done so. I reminded them several times that these are MEDICAL ACCOUNTS, that is protected under the Health Insurance Portability and Accountability Act of XXXX Section 1173 and that By improperly verifying the ARS Resolutions account they are compliant in violating my rights. This i very Hurtful and i feel discriminated against and this is very offensive because they are blatantly disregarding my rights as a human being and consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : USA SERVICE FINANCE, XXXX Balance {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report ( XX/XX/XXXX ) and it showed that there was a XXXX account that /was opened XX/XX/XXXX. After calling XXXX Customer service ( XX/XX/XXXX ), the representative informed me that there was only 1 account under my SSN and it was closed in XXXX with a balance of {$470.00}. She then later tells me that I would need to go into a store and talk to a rep there because they can see more information then her and they have a way to bypass the system. I told her I would go into a store since there is one that closes in about 2 hours near me. 

As I get to the store. I informed them that there is an account that states it is currently with an open status on my credit report and dates that it was opened. The workers there were able to give me more information on the account. Account number, open date, amount and number that was associated with it. They told me that it is a 7 year old account they aren't sure why it is reported open but there was no  accounts currently opened in the XXXX system. 

As I am already frustrated and confused that in store they are showing a closed account but on my credit it shows open. I then receive a phone call and it pops up showing XXXX and it was the same representative that I spoke with earlier. The rep is asking if I have an access code and tell her that I do not. She then tells me that without that code because I wasn't able to properly verify the account that she is unable to access more information. I assume that first and last name, SSN, DOB and account number should be enough information to access the account. She tells me that it wasn't enough. I again ask her what is the access going to do for me. I let her know that I am already frustrated that there is incorrect reporting on my credit report. I then ask her to speak to a manager. The rep then tells me that she wasn't supposed to be calling me back but wanted to because she wanted to make sure it was taken care of. The rep then gets a manger. 

The manger was able to pull information up and tells me that the account was sold to a debt collection agency and she would need to talk to the collection department to see if there is anything that they can do and if not to contact the debt collection agency. I ask the manager if they follow time zone regulations and she said that they. If I am correct some companies are not allowed to call back or make phone calls within the hours of XXXX to XXXX XXXX  local time for the customer. Either way, the manager informed me that representatives are not allowed to call customer back without their permission. I know that I did not give permission for the previous representative to give me a call back. She them informs me that she will have a talk with her about it and make sure that is does not happen.

I have asked that my number be removed from the system and calls to stop. I let manager on duty know that I will be speaking with XXXX reps in store and I will contact the collection agency ( Convergent Outsourcing ) that my account is with.
Product: Checking or savings account

My account got locked and dispite me sending them every document they have asked MULTIPLE TIMES AND SPEAKING TO CHIME XXXX XXXX A DAY MY ACCOUNT IS STILL LOCKED AND I HAVE NO ACCESS TO MY FUNDS. I have proof of every document I sent to them and they still send back same email
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion refuse to remove a bankruptcy from my report that is not mine!! This bankruptcy belongs to my mother we have the exact same name. I have sent them copies of my birth certificate and a letter from my mother. I called IL bankruptcy court and they are not giving them this information but they are reporting it. XXXX verified this information through XXXX and they deleted it from my credit report and XXXX and TransUnion refuse to delete the bankruptcy and they also verify through XXXX.I have XXXX XXXX and this is hindering me from providing for them efficiently. I cant get a home or a car.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE ACCOUNTS.
Product: Checking or savings account

On multiple occasions, including XX/XX/XXXX and XX/XX/XXXX, Capital One 360 placed an unexpected and unwarranted hold on my checking account and debit card. Their reasoning was that I was making transactions out of state, and it " looked suspicious ''. In fact, I had used the card in those locations ( Hawaii and California ) on many previous days, both for purchase and cash withdrawals. In one instance, my entire checking account was frozen late on a Friday night in Hawaii, and I was unable to use the account for the entire weekend. In speaking with phone representatives at various levels of management, I was given the conclusion that " sometimes we just place holds on accounts and there's nothing you can do about it '', essentially locking me out with no proper reason. If the card had been stolen or compromised, and suspicious transactions had occurred, then they would be warranted in taking these actions. Instead, I spent hours on the phone with clueless phone reps, unable to provide any assistance.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXX XXXX  - {$670.00} XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

Transferred XXXX XXXX from Coinbase to Coinbase XXXX on XX/XX/XXXX, XXXX the transfer went through fine however I placed a limit sell order to sell XXXX XXXX XXXX at a limit price of XXXX which would have been {$8300.00} USD- but the order didnt show up until 5 hours later on the Coinbase pro app - also the funds are stuck in limbo and Coinbase support refuses to fix - I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than 24 hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : 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

I am not liable for this debt with XXXX, XXXX, XXXX XXXX. I do not have a contract with any of these companies, and they not provide me with the original contract as requested.
Product: Consumer Loan

My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.
Product: Checking or savings account

I mailed a signed request form to withdraw excess XXXX XXXX contributions from my XXXX Bank account on XX/XX/XXXX. After XXXX weeks, no action had been taken. I called XXXX and they claimed they never received the form. I then printed, signed, scanned, and emailed a new form to them and received an automated email receipt. It has now been another XXXX weeks and no action has been taken. I called and they can't provide any information on whether they have the form or if or when it will be processed. It must be processed before the tax deadline or I will owe a penalty to the IRS. It is impossible to get connected with anyone at XXXX that can provide answers other than reading from a script.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX/XX/XX/2019 I was inquiring with various banks on refinancing terms for my primary home. In the discussion with Citibank the representative on the phone pulled my credit. I was so surprised as I never gave her authorization to do so. I told her I needed the inquiry removed from my credit reports. She indicated she needed to work with her supervisor. Several weeks later she called and indicated the inquiry would be removed. several weeks later the inquiry was not removed. I have called Citibank several times to inform them of this problem. I have been re-assured several times it would be removed. I have a voice mail from them telling me the inquiry would be removed. However, the inquiry has not removed. I want this removed and they have not responded with a positive result.