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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX_Experian Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and Experian credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and Experian attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a new car and our credit was ran several times buy the Car lot telling us they would only run it once! If you will see in XX/XX/2017 there are excessive car loan inquiries as well as banks. They didnt care what they did to me as hard inquiries!! Just trying to get a bank to buy the deal. This should be against the law. I want them removed! Its up to almost 38! Its unreal that they can get away with this. Please help!!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite my frequent use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle failed to conduct an adequate investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed 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 deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

BBVA Compass Bank forced Simple Bank customers to transfer to their bank - they have cutoff access to information on the Simple website and I am unable to access my BBVA account in any way. I have called several times and the customer service center reps say they can't hear us ( this has happened to mutiple people and is well documented on social media, including recordings of them saying this and hanging up ) and hang up after being on hold for over an hour. I still have no access to my account, the customer service center is actively rejecting any request for information, the Bank has sent no emails explaining the problem, and what they're doing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, someone has access to my personal information and it ruining my credit by applying accounts that I have no knowledge.
Product: Credit reporting or other personal consumer reports

Bankruptcies is still on my credit report .after 10 years .it is stopping me to future my career Record Type XXXX  XXXX bankruptcy discharged Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit card

This is a complaint against fraud by company that originally advertised itself as " XXXX Serum '' and later acted under different names such as XXXX, XXXX, XXXX ..., XXXX, etc.. 

XXXX advertised themselves as an internet store specializing in cosmetics beauty products. My first and only purchase from XXXX was made on the internet through their web store at XXXX on XX/XX/XXXX, for a sample of skin serum for an amount of XXXX, ( plus a shipping charge ). This purchase in no way indicated any contract engagement. The purchased product was shipped and received timely. The fraudulent activity followed shortly in the form of several charges on my credit card that were done surreptitiously, without my authorization. 

Since the charges were completely unexpected, I did not spot them in my monthly bank statements until two months later, and upon scrutiny found all of them. Here is the list, as complete as I can infer from the monthly statements : 1 ) XXXX XXXX XXXX XXXX {$4.00} 2 ) XX/XX/XXXX XXXX XXXX XXXX {$3.00} 3 ) XX/XX/XXXX XXXX XXXX XXXX {$1.00} 4 ) XXXX/XXXX/XXXX XXXX XXXX VA {$99.00} 5 ) XX/XX/XXXX XXXX VA {$89.00} 6 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 7 ) XX/XX/XXXX XXXX XXXX XXXX {$89.00} 8 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 9 ) XXXX XXXX {$89.00} Items XXXX-XXXX above are related to the first and only purchase I made, and I do not wish to dispute them. Items XXXX-XXXX, on the other hand, represent the fraudulent activities. 

Also, ( I believe in an attempt to justify these above charges ) the company made XXXX small shipments on my name, that contained XXXX small containers with net weight of XXXX ounces, of something called " XXXX '', that to this day remain sealed. If the company wants them returned, I will ship them back, by all means at their own expense. 

I made an attempt to dispute these charges though my bank ( Chase - credit card issuer ) that negotiated with the rogue company on my behalf. As a result, XXXX XXXX XXXX XXXX ( I guess this is one of the names they go under ) condescendingly issued a refund : 10 ) XXXX/XXXX/XXXX XXXX {$89.00} and considered the matter closed. 

On XX/XX/XXXX I received an email from XXXX XXXX where they wrote, among some less significant lines : " we have marked your request as resolved ''. 

This was followed by another email on XX/XX/XXXX where they stated : " Your account has been put on Black list status and we can no longer assist you with any of your account details ''. 

So it seems I have exhausted all my options in trying to get a full refund. This is why I ask for your help. 

the means to contact the company ( s ) are : 1 ) XXXXXXXXXXXX 2 ) XXXXXXXXXXXX 3 ) : Shipping Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I not only wish to get my reimbursement, but would like for this company to be marked under anything from marketing to wire fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my credit Report. But in my case, XXXX has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected XXXX : I need the accounts corrected XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the bank is suppose to be m and t bank instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( Equifax, XXXX and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
Product: Mortgage

XX/XX/2021 I spoke with XXXX from Freedom Mortgage. She said I did not have account with Freedom Mortgage. I gave her my loan number. Phone, address, and my name. They said over and over she did not understand. They have me and husband social security numbers mixed up. They have my name misspelled. They have everything mixed up. The mortgage company has a hard time posting payments and it takes them up 30 days post our payment making our account late. This has been ongoing issue. With since our account was sold to them.
Product: Credit reporting or other personal consumer reports

This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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. 

XXXX  Date opened XX/XX/year> Amount {$13000.00} XXXX XXXX ( XXXX ) DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX XXXXas me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

On XX/XX/XXXX I called Wells Fargo to request an escrow analysis and to pay for my XXXX monthly payment. I spoke to agent XXXX and we agreed to phone payment in the amount of {$1600.00}. Well on XXXX  the XXXX of XXXX Wells Fargo tried to cash {$4500.00} which my bank declined at XXXX, but the following day since my direct deposit kicked in Wells Fargo ran the payment again and XXXX time it cleared. I called my bank XXXX  XXXX and they confirmed they paid Wells Fargo as a courtesy to me. I contacted Wells Fargo and spoke to more agents and finally asked for a manager and XXXX was supposed to escalate my refund request for the difference that I was charged. I called today XX/XX/XXXX and still no refund spoke to XXXX and he could not see any refund request. Manager was supposed to escalate it never happened. Only request was {$90.00} for the over draft fees which I have I been charged even more.
Product: Checking or savings account

I have been a victim of Identity Theft since 2006. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and Bank of America concerning fraudulent accounts at each. XXXXXXXX XXXX actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use XXXX products. And XXXX did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against XXXX XXXX 
XXXX, XXXX XXXX and Bank of America have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX be deleted MMEDIATELY.
Product: Bank account or service

We had a XXXX XXXX walk away from us in the middle of a project. He asked for XXXX checks from us. XXXX in which I called XXXX XXXX to have cancelled - however they never cancelled the check and the fraudulant XXXX walked away with twice the amount of money he should have taken us for. I provided a customer service rep with the check number and the amount which needed to be cancelled. To my surprise a check for {$45.00} was cancelled instead of the check for {$7500.00} ( check number XXXX ). Since the following check to the fraudualnt XXXX was also cashed, I am at a loss of {$15000.00} instead of {$7500.00} due to harris bank not properly canceling the first check. When I spoke with Multiple layers of management, they told me there was nothing they could do because they claim I gave them the wrong check number. 
They should have never allowed the {$7500.00} to leave my bank account and should be liable for such a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

pay my account to XXXX XX/XX/XXXX and reported my credit it was not paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Experian Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. 

XXXX XXXX
Product: Credit card or prepaid card

This bank has discriminated against me first I receive a letter they need to verify my identity I send the documents to XXXX XXXX and by mail I call them and let them know if they got it they said yes then I get transferred to different department and a man which I spoke to was very rude To me and said its declined due to bank policy I said I dont understand its me Ive sent the documents as requested whats going on he refused to Help me and hung up on me very rude bank and very rude security department
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' i have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I received a promotion with discover credit card where i was on interest free until XXXX as per the conversation i had with the agent on the phone. I never received any terms about the promotion as well as i never received any type of notification on my statements or letter stating the status of my promotion or that the promotion ended. I work for a credit card company and all our statement show the status of the promotion such as how much is left to pay to avoid the interest and when the expiration date is of the promotion so that you can pay it off in time. Not a single one of my statements show any type of anything for the promotion.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS added a collections account to my credit file that either belongs to another person, XXXX XXXX, or is fraudulent. My name is XXXX XXXX XXXX, not XXXX XXXX. I've filed disputes in the past with XXXX, XXXX, and XXXX to have these invalid names, addresses, and collections accounts removed from my credit file. However, every few months a new collection agency is allowed to add a new collections account to my credit file for the same fraudulent debt. XXXX, XXXX, and XXXX have previously removed this false identity information and collections accounts but continue to allow the same or similar information to reappear on my credit file.
Product: Payday loan, title loan, or personal loan

Filed a dispute with an old payday loan that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.
Product: Credit reporting or other personal consumer reports

I'm writing to share my concerns about some issues I've noticed with the credit bureau. These include wrong accounts listed under my name, incorrect credit reporting, incorrect addresses, billing mistakes, and accounts that aren't mine.