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

CAINE & WEINER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXXXXXX XXXX ( XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name COLLECTION Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COLLECTION XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO XXXX XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

want to know how did you verify these inquiries was done by me. I want to see some documents with my name on them that I request these companies to check my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent 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. They informed me that recovering lost of funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have been a Victim of Identity Theft according to 605B of the FCRA upon submission of FTC report the credit reporting agencies have 5 days to delete the fraudulent trade line. Trans Union refused to remove the trade lines and sent me a letter stating that the documents were not authentic. I have since had a new FTC report and have hired a consumer protection attorney to file litigation against Trans Union. I am filing this complaint against Trans Union at the request of my attorney to ensure that upon litigation against them that I did everything possible to correct this matter.
Product: Credit reporting or other personal consumer reports

My information was used without my consent. I am a victim of the data breach and would like all accounts mentioned to be deleted pursuant to 15 USC 1681c-2 ( a )
Product: Debt collection

Hello, On XX/XX/22 at XXXX a.m. EST I was notified by text by my credit monitoring service ( XXXX XXXX ) of changes to my credit report : a new account had been opened. I was alarmed because my only recent attempt at opening a new account was rejected by thee lender. Therefore, I knew that this was not due to my own actions. I immediately reviewed my credit report and found that a collections report had been filed on XX/XX/22 in the amount of XXXX. 

The agency is Central Portfolio Control. The creditor is XXXX XXXX XXXX according to my credit reporting service. 

However, the issue that I am formally reporting to you is that the FDCPA was violated because I was never notified in writing of my rights to verify the debt, dispute it and was never given notice of it. 

I only became aware of this debt through my monitoring system 's fortunate ability to notify me that this collection had been posted to my credit report.
Product: Debt collection

I am writing about the money which you are claiming on the above account. I can confirm that I am unable to pay the money which I owe in full. However, I can raise {$900.00} and I want to offer this as full and final settlement of the account. I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability. If you accept this offer, please confirm that you will mark my credit reference agency file to show that the above account has been paid and closed. I can pay the amount I have offered within of receiving your written agreement of this offer with installment payments of {$10.00} a month until it is paid in full. Please give me details of how I can pay. I look forward to hearing from you. Yours faithfully, XXXX XXXX XXXX
Product: Debt collection

The debt collection agency Is trying to collect a debt from me that is not mine and that I have no knowledge of. The address where the debt is being reported to, I have never lived or associated with ever. The debt collection agency does not have a license to collect debt in Utah, which is where the debt was said to be accrued. Utah is where I currently live as well. The agency has sent dozens of emails and dozens of calls. I have asked to not be contacted anymore and then I block the number just to be called by the same agency from different phone numbers. It went from getting calls and emails from one company, to another company that is filed as their DBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The HPD approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from Portfolio Recovery, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. Georgia Student Finance Commission was listed as a creditor on the bankruptcy. However, GSFC continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and XXXX, plus GSFC, disputing the the discharged debt. XXXX dispute came back as the debt will remain, Transunion continues report the debt, GSFC continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of GSFC to inform her of the bankruptcy discharged and presented all court documents. Her response was that GSFC lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing GSFC discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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

There is a error on my credit report with Experian, They are reporting a charge off account with XXXX that does not belong to me. I have submitted a dispute along with a letter from XXXX confirming that the account does not belong to me and should be removed from my credit file. 

Out of all 3 reporting companies, Experian is the only one that has failed to remove it from my report.
Product: Checking or savings account

I received an offer to switch my checking and savings to Huntington Bank. It was {$400.00} in reward for opening a new account and direct depositing two checks. We opened the account, received an account number, and a debit card, and began using the account for purchases after our first deposits were made. We called a total of 3 times to confirm that we had done everything necessary to meet the requirement to receive the {$400.00} offer. I was assured by each person I spoke that this was true. However, soon after, I tried to use my debit card for a minor purchase and it was not authorized, but there were more than enough funds showing as available on the account. This was my first notification that there was a problem. I had to call them only to find out they had decided to close my account without evening notifying me! It turns out they decided to close the account after reviewing their records and finding that we had an auto loan that we were discharged from in a chapter XXXX bankruptcy. While I have qualms with this, I am not unhappy with the decision, I am unhappy with the horrible experience Huntington caused. It was a huge inconvenience because they then placed a lock on the account preventing me from using the funds I had just deposited. We live check to check, anyone who also does will know how hard it is when you lose two paychecks in one month. Of course, we eventually got the money back, but it took way too long and caused us far more financial hardship than necessary. 

My main complaints : 1. If I was not eligible for the account, I should have been notified when I applied.

2. I was given incorrect information by the customer service agents multiple times regarding my eligibility for the offer.

3. The manner in which the account was closed was harmful to my financial well being.

4. Huntington could have notified me sooner about the account closing ( but didnt ).

5. The funds from my deposits were not available for an extended period of time, causing me to incur late fees on utilities and services.

6. Huntingtons decision to close the account, based upon an auto loan that I was discharged from in a chapter XXXX bankruptcy more than 10 years ago, makes me wonder : is this legal? 
7. I did not receive the {$400.00} reward I was advised by the bank I had met the requirements for. 

However, I want to give credit to the teller who assisted me at my local Huntington Branch. Despite my obvious frustration, she took ownership of the problem, and helped me get access to my funds as quickly as possible despite the indifferent behavior of their call center or corporate office. It was disappointing to see the contrast between the left hand and the right hand. I am glad that she was there to help us, as I am sure the experience could have been far, far worse without her help.
Product: Debt collection

I initially requested debt validation on XX/XX/XXXX, via certified mail. I provided specific documentation that I required, including agreements bearing the alleged debtor 's signature, insurance claims made for this account, any judgments obtained, and more. Unfortunately, Bull City Financial Solutions , Inc. replied with an inadequate letter dated XX/XX/XXXX, which did not meet the proper debt validation guidelines. Despite my follow-up request via certified mail on XX/XX/XXXX, they have failed to provide the requested documentation and have further violated the law by reporting inaccurate information directly to the credit bureau XXXX 

In order to support my dispute, I am attaching the following documentation for your review : 1 ) Their collection letter dated XX/XX/XXXX XXXX ) My letter dated XX/XX/XXXX, and the U.S. Postal Service certified mail receipt postmarked XX/XX/XXXX XXXX ) Their response letter dated XXXX, XXXX, XXXX, and the inadequate transaction summary I received 4 ) My response requesting the items I requested and the certified mail receipt postmarked XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a letter to XXXX, XXXX and Equifax to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and Equifax any written consent to report anything on my consumer reports no consent is FRAUD XXXX demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and Equifax to report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid
Product: Debt collection

I never received the product that I financed and after two months of paying I stopped sending payments. Have on multiple occasions tried contacting the lender and the distributor about my problem and have received no help they have denied my claims and sent me into debt without any proof that I even had the product. I have tried disputing the debt and they then sold my debt off to a collection agency which has affected my credit score and stopped me from being able to have a clean record due to a derogatory payment being on file. I cant clean up my credit score if this is never removed as I have no plans on paying for services I never received. Would not recommend using this company for any loans!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information that is inaccurate on my credit report. I disputed it a few times and nothing is still being done. They refuse to update my credit report and are showing wrong dates, wrong names, wrong addresses, wrong account dates, reporting accounts from XXXX and XXXX. They dont send me any information on the investigation that was done. I keep disputing all the wrong information but they report to XXXX XXXX that the information is accurate. It cant be accurate if I didnt receive any information on it and its the wrong dates or outdated information. The picture I uploaded even shows that I disputed this account twice and I was with XXXX XXXX XXXX with my current number and XXXX is showing that I still have an account with them as of XXXX I believe cause it still shows open account. This account is a couple years old now, Transunion also refuses to remove accounts past 7 years as well.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 went to get me a car and my credit was very low in the XXXX my credit has never been so low they are not updating my credit and things are on my credit that should not be my credit report should be a XXXX that is not fair I can not get a car with a XXXX credit score
Product: Mortgage

XXXX XXXX XXXX. 

Cross country mortgage did not like the initial appraisal at XXXX. They had the apprsiaser look again and she changed it to XXXX. The real estate agent appealed and she moved it back to XXXX. CCM then changed closing disclosures and pushed additional cost to me the buyer. They will not call and have made XXXX calls XXXX my agent as well. It feels very scummy and feels like they minupulated the appraisal. It does not feel like it was independent anymore rather she was bullied.
Product: Checking or savings account

I sold my car for {$13000.00} my friend put the money in my account with money orders. They froze account, I provided the studs to all the money orders as proof and they never gave me my money
Product: Consumer Loan

I received a notice from First National Collection Bureau , Inc stating I owed {$11000.00} for a non-existent loan. 
Current Creditor : XXXX XXXX XXXX, XXXX Original account # : XXXX
Product: Debt collection

On XX/XX/2021, I sent Franklin Collection Service, INC a letter requesting that they validate a second debt that they have reported to the credit bureau as belonging to me. 

Here is some information about the debt they claim I owe : Date Placed for Collection : XX/XX/2021 Total Amount : XXXX FCSI Case # : XXXX This letter was sent as certified mail. Here is the tracking information : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX, XXXX Instead of providing documentation proving the debt belongs to me and showing how the amount I owed was calculated, or an obligation to pay, Franklin Collection Service, INC. sent back a bill, attempting to use the bill that they created as proof that the debt belongs to me. 

Not only that, but they also furnished and sent ANOTHER document, placing the name of the original hospital they say I owe close to the center, in order to create the false belief that valid documents were sent by or with the assistance of the XXXX XXXX when in reality it was only sent by them which is in direct violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms.
Product: Checking or savings account

XX/XX/XXXX issued a stop payment order on a check for {$3000.00} WFC advised the check had been stolen and directed i take this action On XX/XX/XXXX WFC accepted the stolen check that had been washed and deposited at a XXXX ATM. the XXXX fraudulent check was debited from my account. the check was debited XXXX week after the XX/XX/XXXX stop payment order had been filed. WFC has the records of the washed, fraudulent check and the stop payment order. 
since that time I have talked to XXXX WFC departments : Account Takeover, Online Fraud, On line tech support, everyday banking, customer service, customer advocate, compliance exec office, claims and premier banker local branch. 
latest status is WFC still investigating what happened. Customer advocate has noted that the Stop payment was not honored due to a WFC error. Claims now says received report on XX/XX/XXXX and telling me to wait for another 10 days. Claims says they are investigating why this fraudulent check was accepted. Trying to determine if WFC or XXXX made the error. Compliance exec says there would be another waiting period before crediting to my account. meanwhile i have been out the XXXX since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS AN INCORRECT NAME DUE TO SOMEONE FRAUDENTLY ACCESSING MY PERSONAL INFOMATION DUE TO A DATA BREACH. THIS REPORTING AGENCY HAS ONE OF THE NAMES USED ON MY CREDIT REPORT AS XXXX XXXX AND I HAVE NEVER USED NOR BEEN KNOWN BY THAT NAME. IT NEEDS TO BE DELETED PROMPTLY!!!
Product: Debt collection

DIVERSIFIED CONSULTANTS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX they are trying to collect money from that I already paid with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I do have a letter that the gave me and did fax it to DIVERSIFIED CONSULTANTS. I would like this removed from my credit report. if you have any questions feel free to contact me.