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

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 IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 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. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) 72 months ( 6 years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. XXXX. please have this account removed and updated immediately thanks
Product: Checking or savings account

An account was approved and opened with Wells Fargo in my name on Wednesday XX/XX/year>. I received an email notifying that the account was approved but I disregarded this as junk mail due to my XXXX email account constantly receiving spam. On Monday XX/XX/XXXX I received a debit card in the mail with my name on the card showing " XXXX XXXX ' and XXXX XXXX XXXX '. I did not open this account and I called Wells Fargo 's Fraud department on MondaXXXX XX/XX/year> to have the account blocked and make a claim for identity theft. A claim was filed on XX/XX/year> and the accounts are blocked from making or receiving any financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section A States that I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Mortgage

When I took out the loan, I was told the PMI would be dropped when I had enough equity in my home. I have met the requirements for removal of PMI and rocket mortgage refuses to drop the PMI, unless I pay {$190.00} to have an inspection. I originally paid XXXX XXXX  for the home, and financed XXXX. The balance on the loan now is XXXX XXXX The value of my home has increased in the XXXX range. Even if that were not so, the current balance of my loan XXXX XXXX meets the requirements to drop the PMI and I should not have to pay a fee. 
Please help. Thanks.
Product: Credit card or prepaid card

A car was purchased on XX/XX/XXXX. 

The dealer, XXXX XXXX XXXX, made several misrepresentations during the sale of the car. Hence, the dealer committed fraud and the vehicle was not fit or safe for driving. Further, when attempting to locate the vehicle in the Virginia XXXX system, a VIN for that vehicle was not able to be located which leads me to believe that this car was mean to be " junked '' or for salvage. Nevertheless, this information was not disclosed at the time of sale nor did the dealer complete the proper paperwork to title the vehicle in my name upon satisfaction of the loan. 

I disputed several transactions related to the sale of the car. First transaction was for {$100.00} to hold the car on XX/XX/XXXX ; the second was a down payment of {$3400.00} ; and the third was {$120.00} to extend the service contract on the vehicle. 

Due to the fraud that has been committed the contract is void and I have requested a refund from the dealer, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. XXXX Chime. 

None of which has honored my request even though my card is insured by XXXX to prevent events like this from occurring and providing a valid dispute resolution process. 

I am now appealing to the CFPB. 

I wish to retain all my legal right to peruse what other remedies may be applicable under the law. 

I nearly lost my life  several times driving this car especially when the brakes failed, and the lives of my children were put at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for citi account ending in XXXX under my name and I never wrote checks and no funds was withdrawn at all and I put in a fraudulent dispute with citi and within days the claim was denied and I never lived at XXXX XXXX XXXX and I have my ID to prove that and someone stolen my identity and opened up checking account and I never applied for this fraudulent account and it was reported to XXXX under a different address in XXXX and I live at XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX and was in XXXX  for three years in the years of XXXX and XXXX and I would like this case to reopen
Product: Credit card

XXXX of 2023 I incurred XXXX charges that were to be refunded to me by XXXX XXXX through disputes. Discover bank did not file disputes for the month of XXXX when I called in and requested the action. This was correct by me calling in again at a later date. I found out 120 days had been missed ( XXXX and XXXX XXXX regulations ) This bank mistake caused a loss of XXXX dollars to me. This is a direct mistake by discover disputes department employees and lack of care. I was treated improperly due to the monetary values as discover didnt believe what the customer had to say.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian and Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed. Experian violates my rights as a consumer, as well as federal laws. I have attached supporting documentation.
Product: Credit card or prepaid card

Money from my card in the amount of XXXX was withdrawn from an atm without my consent. I opened a dispute twice with the the card company and filed a police report also maintained a letter from the store manager stating it was not me at the atm on the day and date of the theft .provided a picture of the suspect as well. Still my claim was not honored.
Product: Debt collection

On or about XX/XX/XXXX the leasing agent XXXX told me in person that I did not owe a balance to XXXX XXXX and that I would receive a security deposit of {$520.00}. She said that they had went through my records of payments and found that I did not owe anything and would receive a security deposit check in the mail. I received a phone call on XX/XX/XXXX from RentDebt Automated Collections telling me I owed a collection bill in the amount of {$400.00} to XXXX XXXX for account number XXXX. I also received a bill in the mail for the amount of {$400.00} from RentDebt Automated Collections. I called to speak with the regional property manager XXXX XXXX about the balance owed and the conversation I had with XXXX and she told me XXXX was new to the job and didn't understand what she was doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been contacted more than the allowed times on a agency called municipal credit union. This account has never been verified in writing with proof to me as requested from Experian showing that I have any account. Negative or positive. Experian always says verified with no proof. Experian has also placed three names on my credit report and one name is not mines following any government i.d . the company is dishonest
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle nmerous 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 tracking these transactions was unfeasible. The CFPB 's findings to indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX on my account that Im not aware of account number is # XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX is showing on my credit report as a authorizzed user but i never recieved and dont know what or who did that .. 
account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sd XXXX XXXX XXXX XXXX
Product: Checking or savings account

I logged into my Cash app and was notified my account was closed d/t activity that goes against terms of service. I never did anything that made me think I violated that. I reached out to them via email and was never responded to and tried chatting to no avail. I also called but they wouldn't give me any information as to why my account was closed.
Product: Credit reporting or other personal consumer reports

I received an email from my paid credit monitor service that a bankruptcy was reported on all 3 credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to XXXX, XXXX and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any 3rd parties nor has business with any of them.

So I mailed a certified letter and priority letter to each credit bureau also to XXXXXXXX XXXX XXXX XXXX XXXX XXXX LCI Consumer Center. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job. 
This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )
Product: Debt collection

national credit system this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 XXXX XXXX XXXX this is not on my credit report for XXXX this is not my account reporting XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Attn : Experian, XXXX, and XXXX RE : Dispute Regarding Inaccurate Information and Notice of Civil Liability for Negligent Noncompliance under 15 U.S. Code 1681o I am writing to formally dispute inaccurate and/or incomplete information currently being reported on my credit file. This letter serves as both a dispute and formal notification that you may be held civilly liable for negligent noncompliance under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ), should this matter fail to be properly investigated and corrected in accordance with federal law. 

Under the FCRA, you are required to conduct a reasonable investigation and correct or remove any information found to be inaccurate, incomplete, or unverifiable. 

Pursuant to 15 U.S. Code 1681o, any person who negligently fails to comply with any requirement under this subchapter with respect to a consumer is liable for : 1.Actual damages sustained by the consumer as a result of the failure ; and 2.The costs of any legal action, including reasonable attorneys fees.

Should you fail to correct or remove the inaccurate information within the legally required timeframe, I am prepared to pursue all remedies available under federal law, including seeking actual damages, legal costs, and attorneys fees for your negligent failure to comply with the FCRA. 

I expect a written response with the results of your investigation within 30 days of your receipt of this letter, as required by law. 

Please direct all future correspondence regarding this dispute to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ID # XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a check in the amount of {$5400.00} to Key Bank to pay off me car loan and to send me my title forthwith. Attached was a note explaining the purpose of the check together with my name, phone number. address and account number.It was sent priority mail.Address was provided by a Key Bank employee. 
XX/XX/XXXX I checked my checking account and saw that the check was cashed by Key Bank on XX/XX/XXXX. 
XX/XX/XXXX I called Key Bank to ask what the holdup was. I was told that they never rec 'd the check and I needed to send proof that they cashed the check. I faxed a copy of the cashed check ( front and back ) to a Fax Number provided by a Key Bank employee.When I called to verify that the info was received.They couldn't find it and told me I was given the wrong Fax #. I was given a different Fax #. I sent it again. I was unable, via various phone calls, to verify the receipt until XX/XX/XXXX when I was told I needed to send in a copy of the Bill of Sale.I faxed it the same day. 
XX/XX/XXXX I received a call from a supervisor ( XXXX ) that a " refund check was mailed to me on XX/XX/XXXX in the amount of {$5400.00}. Which I never received and I told her so No action was taken by the Bank even though they had all the information to apply the payment to my account.She told me that I am required to sign an indemnity agreement to hold the Bank harmless in order to apply money to my account.and she would e-mail it to me. 
XX/XX/XXXX I received the " refund check '' which was postmarked the XX/XX/XXXX!!! 
I contacted an attorney who advised me not to sign the agreement. 
XX/XX/XXXX we called the supervisor to request to be able to talk to her Boss.After extensive discussion back and forth we were connected to XXXX ( Executive Branch - admin. asst ). He did not help other than he promised to research the issue and contact us within 24-48 hours. 
On the same day I received threatening calls from Key Bank - That I was behind in my payment and need to send in money. I received several calls. 
XX/XX/XXXX I received a call from XXXX XXXX who stated she was the case manager and she needed more time to research the issue. 
Additional notes : This process has dragged on for a month without any results whatsoever, It is very stressful and frustrating. This issue is slandering my credit rating and impacting my health due to the extreme incompetency of the Bank employees.
Product: Credit card

On XX/XX/XXXX, I contacted XXXX XXXX XXXX about a credit that had not been posted on my account that the merchant stated that it had. On XX/XX/XXXX, I received a Voicemail message Stating " Hello this message is for XXXX XXXX this is XXXX with XXXX XXXX XXXX XXXX calling about your dispute unfortunately this dispute was open up as a payment dispute and it's not payment so then it took a while to get it to the dispute and there's no charge on your account for {$5000.00} on either one of your account I had a supervisor look and we can't find anything and also the documentation that you sent and says {$10000.00} in the charge it says it's from XXXX of last year if the charge is from XXXX of last year unfortunately there won't be anything we can do about it because we have to fall XXXX XXXX is in policies and procedures and we would be out of time but what you have to do is you're gon na have to find out I looked on both of your accounts I looked on your statements there's nothing there for that merchant there's nothing there for the {$5000.00} there's nothing there for XXXX we can't put anything on your account if the charge was not put on your account so you're gon na have to find the charge and then you're gon na have to reopen the case and send the documentation that and that you have but first of all you always need to contact the merchant first and you tell us why you're disputing it and the documentation that supports it but unfortunately we can't do anything because we can not find the charge on the account so therefore I'm denying the case thank you for shopping XXXX XXXX and have a good day bye On XX/XX/XXXX, I sent two attachments Named and attached : XXXXXXXX XXXX  and XXXX XXXX XXXX and XXXX XXXX and XXXX 's statements. On XX/XX/XXXX, I received a call from XXXX, who was rude and short, stating that the merchant would need to resubmit the refund and that there was nothing they could do. I tried to explain That I had already done that but she was not allowing me to talk. XXXX also stated that the credit would not go back because the card was reported lost/stolen, which I know to be untrue. The refund process for XXXX is If a refund is issued to your old XXXX XXXX ( XXXX ) card that is no longer valid ( because it was lost and replaced ), XXXX will typically redirect the refund to your new card automatically. Heres what happens : XXXX XXXX the Accounts Your old and new card are connected under the same account, so any refunds sent to the old card should transfer to your new card automatically. XXXX XXXX to XXXX XXXX In most cases, XXXX will apply the refund to your new card account, even though the old card is no longer active. Potential Delays Refunds might take a little longer to process, as XXXX has to match the transaction and ensure its properly credited. If XXXX Doesn't Show Up If you dont see the refund in your new cards account within XXXX business days, contact XXXX customer service. They can track the refund and manually apply it if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. XXXX Account Number : XXXX 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting 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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.