23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

As a frequent Zelle user, I have encountered discrepancies in transactions and reported them to both Zelle and my financial institution. Despite this, my claims were not investigated thoroughly. I was informed that recovering the lost funds was not feasible, which left me without recourse.The CFPB 's findings reveal troubling patterns : Zelle has failed to adequately protect consumers, allowing repeat offenders to exploit the platform and putting users at heightened risk of scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the platform 's commitment to consumer safety. This lack of resolution has caused undue stress and financial inconvenience. As a customer, I expect Zelle to uphold its commitment to secure, reliable, and responsive service.
Product: Credit reporting or other personal consumer reports

sent out letters to original finance company they received it on XX/XX/23 and no response at all from company. Sent a letter to credit bureaus for the removal of the account for non-compliance and all three bureaus sent verification letters back. How and with who if original creditor never responded to the letter from me personally that they signed for.
Product: Credit reporting or other personal consumer reports

Kickoff Account XXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX THRU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX REPORTING THAT MY ACCOUNT IS OPEN WHEN IT IS CLOSED ALSO REPORTING IM UNDER PARTIAL PAYMENT AGREEMENT WHEN ACTUALLY ITS UNDER CREDIT PROTECTION I HAVE DISPUTED THIS INFORMATION OVER AND OVER AGAIN AND EXPERIAN STILL INSISTS THAT ITS VERIFIED WHEN I HAVE CALLED MYSELF AND WAS TOLD IT IS IN FACT CLOSED IF IM NOT MISTAKEN BECAUSE THE INFORMATION IS INACCURATE IT HAS TO BE REMOVED FROM MY REPORT.

MACYS/ CBNA REPORTING CHARGE OFF IN JXXXX XXXX  WHEN I ACTUALLY PAID THEM OFF IN A SETTLEMENT AGREEMENT XX/XX/XXXX AND {$450.00} WAS WRITTEN OFF AS PART OF THE SETTLEMENTAGREEMENT THE ACCOUNT WAS NEVER CHARGED OFF ALSO THEY AR REPORTING WRONG ADDRESS AND NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DID NOT RESIDE AT THESE ADDRESSES ALSO MY NAME IS XXXX XXXX XXXX XXXX HAVE REPORTED ON THERE OTHER VARIATIONS OF MY NAME AS XXXX XXXX AND XXXX XXXX XXXX XXXX HAVE NEVER EVER USED MY NAME IN THESE FORMATS EXPERIAN REFUSES TO PROPERLY INVESTIGATE THESE ACCOUNTS AND PERSONAL INFORMATION EVEN AFTER REPORTING THESE MULTIPLE TIMES AND DISPUTING INFORMATION
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX ID Type : ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am writing to request these inquiries are removed from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights
Product: Credit reporting or other personal consumer reports

Equifax failed to remove Inquiries off my credit report causing denial of approvals. I certified mail my Drivers license, social security care, and utility bill of my correct address as well. 

I am a victim of identity theft. My personal information was utilized to pull my credit reports creating inquiries to obtain credit, goods, and lease
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XXXX XXXX XXXX I received a letter from Hyundai Motors Finance- Payoff Dept. that referenced to my pay-off amount of XXXX. I called Hyundai Motor Finance on XXXX XXXX XXXX to inquire about balance. Hyundai Motors Finance informed me that there was interest that accrued over a period dating back to the months of XXXX XXXX and XXXX XXXX payments. Hyundai Motor Finance also asked me to contact the gap insurance company. I corresponded with the gap insurance company who referred me back to Hyundai Motors Finance to resolve this matter. The pay-off amount should not be my responsibility due to my insurance company XXXX XXXX XXXX XXXX and my gap insurance benefits have already covered the total loss of my vehicle. My complaint with Hyundai Motors Finance is that they are charging me for interest and fees that should have been included in my monthly payments. Hyundai Motors Finance was unable to provide me with the proper documentation for the interest and fees. I am unable to access the account due to Hyundai Motors Finance freezing the account during the insurance claim to prevent further payment action.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

Hi my name is XXXX XXXX, I have a loan with NationStar Mortgage and ive been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX/XXXX/16. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage. I also have read and see that my servicer is in violation of my XXXX XXXX XXXX of Rights. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent over an investigation request letter to XXXX XXXX and Experian via Certified mail with proof of delivery and signature. Signed by XXXX XX/XX/2022, signed by XXXX XX/XX/2022 and signed by Experian XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. 

I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX XXXXXXXX Account Number : Ending in XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX Dear Experian, This is a self attestation that i am XXXX XXXX XXXX XXXX  The information listed below is an result in that XXXX These fraudulent accounts are XXXX XXXX XXXX XXXX XXXX. XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Amount : XXXX
Product: Credit card

On XX/XX/2024 I was charged XXXX when it should have been XXXX. I disputed this with Capital One but I only have a receipt for what I was charged not what I should have been. This is insane as this amount in XXXX is more than my entire trip cost.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

I applied to the U.S. Bank Altitude Go Visa Signature Card on XX/XX/2020, online. 

The application was in process for several days, and I have never been contacted with any follow-up. 

On XX/XX/2020, the application showed as denied. After a 20-minute hold ( seems excessive to me ) someone finally answered the call, who told me that they just needed to verify some information. 
I spoke with the verification department, and was asked a few questions. I was asked if they could send a text code to my phone, I agreed, and then they told me their system had an issue and the code could not be sent. One of the questions was if I was travelling and that prompted me to clarify I have to use VPN at home, and maybe that's why the application might show as not coming exactly from my address in New York ( even though the VPN is for the tri-state area ). 
I was asked a few more questions and put in a hold. In the meantime, I did receive the text message with a code. 

After holding, I was told they " don't feel comfortable approving this application ''. I had already confirmed my identify with questions, and also confirmed I received the text message but she refused to even take the code I received via text, due to their system error. She just kept repeating that they " don't feel comfortable approving this application '' but I was invited to reapply immediately without a VPN, and that would mean another hard inquiry in my credit report. 
Strangely, my partner had applied for this exact same card a few weeks ago using my computer ( and he lives in NJ, not NY ) and his application was approved. So this verification is also not consistent. 

I felt discriminated. 

I answered all my questions correctly, I received the text message in my personal phone, there is nothing in my credit report that would prevent me from opening the card ( no cards opened in over a year, score of over 810, no debts ). I understand if the VPN might have raised concerns but I already confirmed my identity, and asking me to reapply with another hard inquiry is not fair. 

It seems to me I was denied because of their system error ( not being able to take the code sent via text ) other than anything on my side. 

As a customer, I have the option to open any other credit card that I want. However I find it important to share with CFPB how my application was handled, even after confirming my identity and phone number. 

I never hard a credit card application denied before, and VPN was never an issue in previous applications.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit EQUIFAX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Sentry Credit states that I owe {$110.00} in which I do not owe. I lost my XXXX credit card and reported it to XXXX.Someone had charged the amount of {$110.00} on my card.XXXX is the credit card company that issued the card.XXXX sold the {$110.00} debt to Sentry Credit. I called Sentry credit and ask them to remove the charges from XX/XX/XXXX. Sentry Credit told me that they would remove the charges and to this date XX/XX/XXXX they still have not removed the charges from my credit report.The {$110.00} in debt collection is hurting my credit score. Please help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX ". This charge may lead to a lawsuit. 


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

Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Genesis credit management LLC has violated my rights.


Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy. 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) further states that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan improperly or for unauthorized purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from XXXX different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX