23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested a balance transfer from my Wells Fargo Credit card to my XXXX credit card XX/XX/year> to get a better interest rate. The transfer was completed on XX/XX/year> for {$7900.00}. XXXX provided trace # XXXX. However the money was never deposited to the Wells Fargo card. After contacting both banks I found I had accidentally reversed two number on my Wells Fargo Card. I have been back and forth between both banks for almost two months trying to resolve this. Wells Fargo will not move the money over despite the fact that XXXX has successfully transferred it to them and provided a trace number. And XXXX refuses to reverse the transaction so I can submit it correctly. Neither bank is willing to work with me and are both giving me opposite answer to resolve and will not speak to one another either to help me resolve it. So now I am paying on both cards while Wells Fargo sits with this extra money sent to a wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is they keep reporting me as living at a former address and now list my current address as the formal. So when ever I apply for credit or anything that tries to verify my address it comes up as a problem. My current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ... They have my previous as current on Equifax
Product: Debt collection

I received two letters, of which I am aware, from the offices of credit management stating that I owe XXXX to XXXX XXXX . I live in Alabama and have never been a XXXX customer. The mail to address provided was XXXX XXXX XXXX XXXX, TX XXXX. 
I assumed the first letter was simply a scam as I have gotten scam debt collection letters before. When I got the second one I decided to take action.
Product: Debt collection

I wrote letters to Capital Accounts regarding a debt that I do not owe to them. I received a statement from the original company which is  XXXX   XXXX  for the amount of {$59.00}. Upon notice of this statement I sent a check through my bank for that amount. Capital Accounts had already placed this item upon my credit without any prior notice. They were trying to collect {$110.00}.  XXXX  now they are trying to collect {$89.00}. I have not received any notification from  XXXX   XXXX  that I owed any other amount than what I paid. I sent Capital Accounts a HIPPA letter that I attached as well. I do n't owe this amount and it is greatly affecting my credit as it is false information. They have sent me an itemization print out but it lists every date I have an office appointment with  XXXX   XXXX . I had insurance and have insurance so what was due after my visits were paid. How is it possible to get an statement from the original company that has the correct amount but receive false amounts from an collection agency and it can just be placed upon your credit. I have provided proof of the actual statement from  XXXX   XXXX  and a copy of them receiving the amount that I have paid in full. They failed to provide/perform the following to me : Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX ACCT NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh 4XXXX XXXX XXXX XXXX XXXX ln XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
Product: Credit reporting or other personal consumer reports

File number XXXX. On XX/XX/2023 someone applied to for a XXXX credit card in my name " XXXX XXXX XXXX ''. I would like the XXXX inquiry removed from my report. XXXX has confirmed that it was fraudulent, and informed Transunion. I called XXXX and it was removed within XXXX hours. I have called Transunion XXXX times trying to get this removed and am told a different story each time. I have a letter from XXXX confirming it was fraud. I will upload here. Please remove the inquiry from my report.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report despite confirmation from associated banks and valid identity theft documentation. The banks have assured over the phone to remove these accounts, yet they persist, indicating a failure to comply with the law. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Ive been paying Lexington Law to fix my credit and nothing changed they was just taking my money and then I kept having like late fees and had to change the package but the main thing was I was paying for them and they wasnt fixing my credit. I actually went to Lexington Law twice to see if they would help me because the first time it didnt work so I did it the second time
Product: Credit reporting or other personal consumer reports

Capitol one account should not be past due or anything I do not owe them anything. They actually owe me A few dollars. They report inaccurate information and then I have to pay for It by my credit score dropping tremendously.
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. I told the Transunion to reinvestigate these accounts : on XX/XX/XXXX - XXXX XXXX XXXX ( never applied ) ; on XX/XX/XXXX - XXXX via XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX XXXX, XXXX XXXX ( fraud/theft ). However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. 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. I have evidence to prove my case.
Product: Vehicle loan or lease

2. Ive leased three or four black VW Jettas through VW Credit over the last 12 or so years. The most recent vehicle is a XXXX Jetta, the lease on which ended XXXX XXXX 

3. Over the summer the dealership representative made multiple calls each week urging me to get out of the lease early and take on a new lease with lower monthly payments. Each time he called, the number was a little lower. 

4. I was reluctant to lease a VW again because of a serious problem with the fuel pump that caused the vehicle to stop dead on the XXXX XXXX at rush hour. It had previously shut down, but not in such a dangerous situation. I asked the dealership to check it ; they claimed no problem. 

5. The dealership representative was the one who mentioned the fuel pump problem and said that VW was keeping it quiet. A friend had a similar situation with a shutdown on XXXX XXXX. 

6. Over the course of dealership representatives calls, I neither made the monthly payments nor did I open VW envelopes because I normally pay the same amount directly from my bank. I dont take calls from 800 numbers, so I had no warning when VW seized the car XX/XX/XXXX. No reason for not making payments, I simply didnt think about it. 

7. I offered to pay the outstanding lease amount ( and an excise tax bill for the vehicle ) which totaled {$1200.00} and change. 

8. XXXX of the VW Credit Active Resolution Team ( XXXX ) informed me XX/XX/XXXX that because the end of the lease was so close, I am obliged to pay {$15000.00} ( plus compensation for other expenses ) in order to retrieve the car. 

9. It doesnt strike me as remotely reasonable to pay close to {$30000.00} to acquire a three-year old Jetta with a serious problem for that amount. That amount includes the cash I already have into the car. 

10. In the meantime, my credit has been destroyed. 

If you need other documentation, please let me know.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding Zelle 's handling of disputes, especially since the recent CFPB lawsuit that has highlighted some of the security issues with the Zelle platform. I've on numerous occasions had dispute issues and had no response or investigation regarding said issues from my financial institution or Zelle as my claims went unheard or dealt with. They told me that recovering my funds was impossible and trying to trace the transaction was also a no can do. The CFPB indicate that Zelle not only failed on protection of consumers rights, but has also allowed scammers to exploit the system with those loopholes. There was no confirmation requirement prior to recent times, making transfers absolute and without proper security protocols that should have been established from day one.
Product: Debt collection

I called IQ Data International agency to inquire about a debt in collection. After giving financial information to the company to see what can be agreed upon I was placed on hold and referred to a manager. I was told that I only have two options. To pay the debt and full or settle for less. Both options exceeding the amount of {$3000.00}. Once I made it clear that that wasnt much of an option at the moment the manager started to use a more aggressive tone and imply threateningly actions. Such as threatening to garnish wages without going through the courts. He also told me that I only had 30 mins to discuss options with my wife before makes a recommendation to take adverse actions. The behavior and tatics were unnecessary and caused undue stress on my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

In SXX/XX/XXXX we had Hurricane Irma hit us. We called our mortgage company, PNC, and was told we could do a natural disaster forbearance for 6 months. I continued to pay my mortgage starting in XX/XX/XXXX ; only using 3 months of the forbearance. Once the 6 months was up my loan went into loss mitigation and I was started on a trail payment plan. I paid the increase payment for 3 months. My loan is now under modification and is the interest rate is increasing by 1.25 %, increasing my payments by {$200.00} a month, and my credit score is continuing to drop. I have missed three months but PNC have been reporting my credit as I have not been paying my mortgage since XX/XX/XXXX. I have called numerous times and nobody at PNC can help me. Apparently there is no department at PNC that I can speak to that reports to the credit bureau. Me and my husbands credit score has dropped over 130 points and every month they are reporting a missed payment and it keeps dropping.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.
Product: Debt collection

At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with Santander Consumer. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on maternity leave without pay and could not afford it. Shortly after, about 4 months later, while still on maternity leave I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called XXXX XXXX had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff on the XXXX XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection has been paid-in-full and needs to be deleted from my credit report. I have attached a copy of the letter dated XX/XX/2020 from XXXX showing this account has, in fact, been paid-in-full. Please remove this line item from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the XXXX XXXX social security number has been hacked and used according to all 3 major credit bureaus XXXX, Equifax and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXXXXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX XXXX 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable XXXX Social Security Number/ Phone # / XX/XX/XXXX XXXX XXXX Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON XXXX, Equifax and XXXX ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX XXXX plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TORRID ACCOUNT # XXXX REPORT AS PAID AS AGREED XXXX XXXX NOT AS UNRATED. 

XXXX ACCOUNT # XXXX PAID AS AGREED THEY WERE NOT IN THE XXXX XXXX XXXX ACCOUNT # XXXX REMOVE COMMENT I MADE XXXX ACCOUNT # XXXX PAID AS AGREED XXXX XXXX NOT UNRATED XXXX ACCOUNT # XXXX SHOULD NOT BE ON HERE AS IT IS A DUPLICATE CARD AND ITS NOT ANOTHER CARD BUT REPLACEMENT AS THEY SENT OUT THEY ARE MAKING IT OUT TO BE ANOTHER ACCOUNT WHEN ITS NOT. THIS SHOULD NOT BE ON HERE AS TWO ACCOUNTS BUT ONE SO THEY NEED TO CHOSE WHICH ONE AND REPORT ONE AND REPORT AS AGREED XXXX XXXX XXXX NOT UNRATED AS I WAS AND DID ALWAYS PAY UNTIL XXXX XXXX XXXX ACCOUNT # XXXX COMMENT I MADE CAN BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX on two separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the two other reporting agencies ( TransUnion and XXXX ), they have the same account listed with a late payment, however none of those dates match. TransUnion has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my XXXX XXXX is impacted negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX