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

My husband XXXX XXXX XXXX XXXX and as a result of being extremely distracted i inadvertently missed a miniscule {$6.00} payment on my Kohl 's card. When I discovered this error I immediately reached out to Kohl 's and explained the situation. Kohl 's removed the small interest charge which was not requested but still reported this account to the 3 credit bureaus as 30 days late even though I have a verifiable hardship. I need this removed from my credit report because it simply makes our difficult times even worse.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections account for XXXX XXXX is showing on my report. The collections agency has failed to provide validity of debt.
Product: Checking or savings account

SunTrust-BB & T-Truist Merger// Upon giving the banking institution my new email, phone numbers and update info, I discovered the account had been frozen because someone made unauthorized changes to the account ( XX/XX/XXXX discovered misuse of info ). They began creating monitoring services or secondary image accounts only accessible to them. Where hacking, fraud, stealing commissions, deceptive ethics are used for benefit ( Pacing XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Unauthorized transactions ). XX/XX/XXXX, during pandemic XXXX was taken from acct thru XXXX, I contacted XXXX for refund XX/XX/XXXX when I check the acct, I don't have whtever the purchas was or approved it. They extended their response from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they mentioned giving merchants time to respond, I told them I wasn't interested in the pyramid pool someone created and just wanted my money. I discovered a XXXX XXXX from the XXXX account to the now Truist Bank. I also discovered changes in other services I didn't approve. It appears they're stealing or over charging me for some reason, but they haven't explained it to me. I want to know what is going and why I'm being financially harrassed by an over eager bank representative.
Product: Credit reporting

every time I try to contact Equifax to try and get a free credit report over the last Five years they have refused to give me XXXX as they ask me information that is incorrect and when I try to contact them I go thru their electronic phone tree to talk to someone they hang up. I can never get their report unless I pay for it. I am tired of battling them. Please I just want to see my free credit report so I can get things cleared up and be able to move on with my remaining years. 
You can contact me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Oregon XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Student loan

i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance owed.
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 : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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.
Product: Credit card

On XX/XX/XXXX, I contacted XXXX XXXX about getting a new sign made for our businesses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expressed that we were on a strict deadline and would only be able to proceed if the signs could be designed and installed by the middle of XXXX. 

He agreed they could do it so we proceeded. I paid them their deposits of {$500.00} on two separate cards XXXX came out and measured the signs and then handed me off to their design team. This is when the entire operation fell apart. 

They became radio silent. I had to send a few e-mails to get any response from them each time, and they kept making excuses, saying their design guy was busy or out on vacation. 

Eventually, he sent me a design artwork and it was nothing like I asked for. I asked them to make very specific changes to it and they went silent again. 

After the 3rd round of this happening, I put a halt to the project and requested a cancellation. It was almost XXXX and their designer was ignoring all of my requests to make changes and would never respond to me. 

They refused to refund the deposits, so I filed a chargeback on my Credit card. 

I just got word that Chase refused by chargeback saying their claim was legitimate, despite the fact that I sent all of the e-mails and proof that they didn't deliver the product I paid for. 

This complaint is primarily against Chase. This is the exact situation that this premium credit card is supposed to protect us from.
Product: Bank account or service

I opened a checking account 19 yrs ago with another financial institution, they were bought out several times, and just stayed. my kids opened checking accounts there too, and my name is on there 's too. I had to help one of my kids get a loan for his car, they required me to be the primary. The account was up to date and they went in and took an unauthorized car payment out of his brothers bank account without permission from any of us. He called and spoke with XXXX XXXX ( XXXX ). She told him on a recorded line that I authorized it, which was a LIE. He told her that they had no right to do that and that he wanted his money returned, she told him that because my name was on his and his brothers checking account and he did n't have sufficient funds that they took it from his. I called and talked to XXXX XXXX in Executive client relations office ( XXXX ). I told her that it was underhanded and sneaky way of doing business and that i expect his money to be returned to him or that I would be filing a formal complaint.
Product: Credit reporting or other personal consumer reports

All I know is that my information was breached from Equifax and/or Experian.
Product: Prepaid card

I loaded XXXX dollars to my prepaid rush card this afternoon. My card doesnt show the load. The reps are not helpful. They insist system is down. I need that money. If they are having so many issue 's then why allow money to continue to be loaded. I need my money. Then im closing the account.
Product: Payday loan, title loan, or personal loan

I borrowed {$300.00} in XXXX. I previously borrowed money in XX/XX/2018, which I thought I had paid off. I '' ve been paying off the {$300.00} since XXXX. and I still owe {$610.00}. I called the company today ( XX/XX/XXXX ), and they said that my payments are going towards the principle. I will NEVER be able to pay the loan off this way. This is ridiculous. These places should be outlawed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from the following inquiries. Block and remove them. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. US SM BUS ADMIN ODA XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/year> allegedly owe : XXXX  I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

Made complete payment of XXXX $ and XXXX $ payment to XXXXXXXX XXXX XXXXXXXX XXXX And under XXXX % utilization. 

In addition made a payment to XXXX XXXX XXXX  XXXX XXXX XXXX $
Product: Debt collection

The calls started the morning of XX/XX/year> and been going on all week. The calls been happening morning evening or night. Either to my cell phone or home phone. Not always leaving a message but when they have it has been from multiple agents and it is a very vague voicemail with the person 's name the business name and looking for me and to just call them back. They even tried family. After dealing with previous credit fraud and random scams I wasn't going call them back without any legit written documentation of what they were calling for. Plus after researching the business name I got mixed results of who they were.
Product: Mortgage

I am a first time home buyer. At date of closing while signing documents, XX/XX/XXXX, I am expecting not to pay any closing costs - up to 7,000 with be paid for by seller. I am unexpectedly asked to pay XXXX to close. Realtor calls loan officer XXXX XXXX of Mortgage Express XXXX, OR, for explanation. XXXX tells me the loan program ( 1 % down HomeReady conventional loan ) is no longer available. That the 2  % paid for by government ( up to 5,000 dollars ) is no longer available and that I now owe ~ {$4500.00}. I sign under duress and have money wired. I go back to work and tell co-workers. They believe I have been taken advantage of/scammed. I call another loan officer of a different company. He uses the term bait and switch. Tells me the Home ready program is still being advertised on XXXX XXXX XXXX website. Tells me to get clarification from manager and to file complaint with state. I call XXXX. Manager is unavailable until Monday. He offers no further explanation. I file that night a complaint with the state of Oregon. I file a complaint today, Saturday XX/XX/XXXX online with the BBB.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allows one to initiate a dispute on their website or by phone. Their default delivery method for dispute results is electronic. However, there is a technical problem on their website which has existed for 6 months or more that prevents the user from viewing dispute results. And once results have been designated for electronic delivery, telephone agents can not provide dispute results and they can not change it to paper mail delivery. 

More detail : After a dispute is completed, Experian sends an email saying " Your dispute results are ready '' and a button in the email labeled " View Results ''. When you click that button, you are prompted to log in to Experian 's website, and you are routed to a page called Alerts, which is similar to a message inbox. In this Inbox, there is a message that says " Your dispute results are ready '' and it has a blue button labeled " See your dispute results ''. Clicking this button does not work. No window pops up. No page opens. It doesn't work on Windows PCs, or Mac, or iPhone. It does not work in Safari, Chrome, or Firefox browsers. It has *never* worked and Experian offers no technical support for the website. They refuse to take any complaints about technical problems on the website.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. The card is locked but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX  per their instructions. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX  for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX  balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX, XXXX, 2. XXXX, 3. XXXX, 4. XXXX, and 5. Lexus Nexus. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called XXXX XXXX, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : Accounts : XXXX XXXX XXXX XXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00} XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX Banking XX/XX/XXXX XXXX Bank Banking XX/XX/XXXX XXXX Banking XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. 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

XXXX XXXX XXXX XXXX account # XXXX amount due : {XXXX} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.
Product: Credit reporting or other personal consumer reports

I have been sending dispute a verification and also validation letters for the past 3 years for my XXXX XXXX account and the entire time I keep receiving a bill nothing else. All three bureaus have been reporting late payments on my credit cards that I disputed that also came back as verified. They are in violation of the FCRA and metro2 compliance and reporting guidelines. The reporting of excluded information pursuant 15 USC ( A ) ( D ) ( 2 ) ( A ) ( I ) to a consumer report is a clear violation of Metro2 compliance. 

A clear violation of 15 USC 1681 and that states The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to in such a short amount of time. 

Clearly they didnt investigate and this has been detrimental to my credit. 

The most recent tracking numbers are XXXX Experian- XXXX XXXX XXXX