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

I looked up my consumer report and noticed a couple of items on there that should not be on there. I sent several letter to consumer reporting agency over the past year and they refuse to rectify their reporting. They keep saying they verified the items with a third party consumer reporting agency. Last i checked, they are suppose to conduct an investigation that consist of interviewing my neighbors, family, and friends. None of that took place. I also read in the permissible purposes section that ANY consumer reporting agency has to have my written consent in order to furnish my consumer report. I did not give my written consent to ANY consumer reporting agency. Therefore, they are violating my rights as a federally protected consumer. 

The accounts in question are : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. XXXX  XXXX is missing XX/XX/2019, andXX/XX/2019. 
2. Credit Acceptance Corp. is missing XX/XX/2019 and XX/XX/2019. 
3. Credit Acceptance Corp has been paid in full as of XX/XX/2019. 
3. XX/XX/XXXX has not raised my credit score accordingly.

All consumer fraud and violations of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Equifax there are alot of unknown inquiries. XXXX XXXX XXXX inquired on XXXX XXXX, 2018. XXXX XXXX XXXX XXXX, 2018 and XXXX XXXX, 2018. All the information I can get is that they were done in California. I do not reside in California and did not authorize these inquiries. I have been with XXXX for almost ten years and have never even thought about going to another phone company. I have been trying to get this resolved for the last year with no luck.
Product: Credit reporting or other personal consumer reports

I've asked XXXX to provide me evidence of the supporting documents they are reporting incorrectly to my credit report.
Product: Mortgage

Today I received notification from my bank that my mortgage loan servicer debited {$1300.00} from my checking account on XX/XX/XXXX. I did not authorize this payment and it is not showing up as a payment on my mortgage loan servicing account. I received no notification that they would me making this debit. I called the mortgage servicer, The Money Source, and they said they would look into it and get back to me by next Wednesday. This is an unacceptably long period of time to wait given that they took money out of my account without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received notification from Experian that a new address was being used with my Social Security Number. Unfortunately, I have never been associated with this address, which is now listed on my credit report. After further investigation, I discovered that an account was opened with my SSN using XXXX 's " XXXX '' financing affiliate. I contacted XXXX and was informed that three loans were approved in my name totaling over {$3000.00}. The largest loan was used to purchase XXXX equipment through a company called XXXX. Interestingly enough, I was told by the XXXX representative that a direct debit was set up to pay for the fraudulent loan but payments were recently stopped. The card that was used is not a card I ( or my wife ) have ever owned. So far, only one of the XXXX loans is currently listed on my Experian Credit report. Additionally, the fraudulent address ( XXXX XXXX XXXX, XXXX, NC XXXX ) is only showing on my Experian XXXX XXXX.
Product: Debt collection

Harley Davidson Financial has been calling me at work. I have told them twice now not to call me at work. They called on XX/XX/XXXX at XXXX and I told them to not contact me at work. They again called on XXXX and again I told them not to contact me at work. When I got to work this morning, I had a message to call XXXX at XXXX XXXX. I XXXX the number and found it to be from Harley Davidson Financial.  They have also called my ex-wife and two of my friends in the last month and half. They have told them not to contact them and they continue to call them. They don't care about the laws and think they can do whatever they want.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns of Zelles handling of disputes, particularly in 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 told me recovering lost funds was impossible and tracking these transactions was unfeasible. They then went on to close my account claiming without my knowledge. The CFPBs findings indicate that Zelle has not only neglected to protect its customers, but has also allowed repeat offenders to exploit the system leaving others vulnerable to scams. I was unable to ever create another Zelle or access my information again to have the proof of what happened!! Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made attempts to have fraud alert removed from all major credit bureaus. As of today, fraud alert remains, unable to dispute unfamiliar items. With the notations on the credit profile, my credit profile is compromised.
Product: Mortgage

I am paying off my last and final payment on my XXXX mortgage, the loan officer told me my last payment would not be automatically taken from my account but that I would have to come in and write a check to PNC for a different amount than was on my last agreement, I did exactly as I was told, and wrote a check to PNC, XX/XX/22,, yesterday on XX/XX/22, I got a late none payment notice from PNC, I went to the branch and was XXXX XXXX to speak to the manager and they refused to give me the number of someone higher up, finally a assistant manager spoke with me to resolve this, I had to write another check with a higher amount to satisfy the loan then I personally took it to XXXX  to send it to the mortgage department, I seems this not a truth in lending process per my mortgage agreement and a negative affect on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

All negative adverse accounts placed on my report is causing me XXXX XXXX I never gave any authorized consent to report anything adverse on my consumer report. They violated Title 15 USC 1681b. They reported negative things without asking me for permission to do such atrocities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX and # XXXX They have violated my right to privacy under 15 USC 1681 section 602 A which states I have a right to privacy. 

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any information other than records of convictions of crimes which pre date the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan with XXXX XXXX XXXX XXXX  on XXXX, XX/XX/2020 and was not informed that my income was not high enough for the amount I needed. They ran a hard inquiry on my experian credit report and was denied on the basis of my income being to low. The relationship banker called and informed me that I was denied and the reason why. I told her that during the application process I specifically asked if my income was sufficient and she replied that it shouldnt be a problem. I asked if adding my father as a co-borrower would help as it would include his income as well. The relationship banker ran the new application through XXXX  on XXXX, XX/XX/2020 as my father as a co-signer vs. co- borrower which would help if my credit scores were not sufficient. I was denied a second time. The relationship banker called me on XXXX, XX/XX/2020 and informed me of her mistake and offered to expunge the hard inquiry from XXXX  XX/XX/2020 and redo the application a third time but correctly adding my father as co-borrower. XXXX  XX/XX/2020 she ran another application through XXXX  causing a third hard inquiry. I heard nothing till next day XX/XX/2020 when my credit was ran again for the 4th time again on my XXXX  report as well as my XXXX  and XXXX  credit reports. I usually have frozen at XXXX  and locked at XXXX and XXXX  but lifted them for a mortgage pre approval and for the personal loan. I also have an extended fraud alert on my reports as Im a victim of identity theft but was never contacted by XXXX XXXX XXXX XXXX regarding the steps necessary under the fraud alert bi-laws. I was told the extra hard inquirys were part of the verification process but I find nowhere where it says thats an acceptable verification process. They according to them are expunging the XX/XX/2020 inquiry as it was there fault in processing that application incorrectly. But they refuse to remove one of the last 2 hard inquirys claiming it was pulled twice due to the fraud alert on file. I know have 4 hard inquirys in a matter of 6 calendar days for a single personal loan, 2 of which Im not responsible for them not informing me about my income and incorrectly filling the application in XX/XX/2020. The excess hard inquirys are on my XXXX   report and not on my XXXX  or XXXX  reports.
Product: Checking or savings account

I had deposited a XXXX check into my Wells Fargo account and they refused me access with my own money and they are Completely rude they took my money from my account without authorization and they Stated they wanted to speak when Im more able to speak correctly
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts. 
There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information. 
I have confirmed with my creditor that the payment was processed within the allowed grace period. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear sir, I have received a letter regarding my fraud alert status. Since other credit report companies have started extended alert, I want to request your company to extend my fraud alert to 7 years. However, your company do not state what kind of documents are necessary for the extended alert. Would you tell me what I need to submit? 

And I request the credit report, too, to check the contents and dispute whatever necessary, as I did other companies. 

Also, I do not want you call me, Dear XXXX, as you stated on the cover page, since I am just a person, who requested the credit report, not Initial Fraud Alert, as far as I remember ; therefore, I request the written explanation why you have added this initial fraud alert without any consent of me. And you need to mention me by the family name. 

Sincerely,
Product: Credit reporting

In 2013 I filed a identity theft report with all XXXX credit reporting agents. they removed all items that where in dispute. I recently had items come up around the same time 2013. equifax and trans wont remove the items with a police report and ftc complaint number saying that the items belong to me after they removed them for year. there are items that do n't even match my social and they wont remove I ask for help.
Product: Checking or savings account

A fraudulent ATM withdrawal for {$300.00} approved in XXXX, Fl XXXX ATM on XX/XX/XXXX around XXXX XXXX, a second attempt to withdraw {$200.00} at same ATM was denied as it was cited as fraud. At the time of ATM withdrawal I was at work in my hometown approximately 800 miles away with my debit card in my possession. Bank of America notified me of fraud immediately and I confirmed that I did not make this transaction within 30 minutes of notification. I followed up with BoA at XXXX that evening to ensure bank had all the information they needed from me, and to clarify if I needed to take any additional action. Police department in XXXX, Fl notified of fraud on XX/XX/XXXX- I was advised by detective that ATM footage is " difficult to retrieve '' and to pursue matter with bank. I received a letter from BoA on XX/XX/XXXX stating that temporary credit that was issued on the date of the incident will be removed on XX/XX/XXXX. When I called BoA on XX/XX/XXXX I  was told that because correct pin number was used and that account was not completely depleted money will not be refunded because it must have been someone with personal knowledge or authority to access my account. On XX/XX/XXXXI asked that claim be resubmitted.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed that the personal information of someone else was listed on my XXXX credit report. I also noticed that a Comenity Bank/Express account was also listed on my credit report, which was not mine. I contacted Comenity Bank and learned that " XXXX XXXX '' of XXXX XXXX opened an account with Comenity Bank using his own personal information but listed my social security number on the application. Over the course of the credit account, XXXX was overdue on several payments. It is clear that XXXX XXXX mistakenly used my social security number when filling out the application. 

This is a disgrace and is currently affecting my opportunity to purchase a house, which we are closing on within the month. 

I previously submitted a claim on XX/XX/XXXX with the CFPB and XXXX to have the information removed, which it was. I am not sure why his personal information and credit history was re-attached.
Product: Credit reporting

To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for XXXX years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX or in XXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same XXXX name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive come across multiple errors on my credit report that need to be fixed right away. These inaccuracies, which I strongly suspect may be the result of a data breach, are unfairly damaging my financial standing. 

XXXX XXXX XXXX XXXX - XXXX - {$1000.00} XXXX XXXXXXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$650.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX XXXXXXXX - XX/XX/year> Even after numerous disputes, supporting documents, and follow-ups, nothing has been corrected. Its beyond frustrating to see the same mistakes persist despite my efforts to have them removed. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate credit report. Im demanding that these errors be properly investigated and corrected immediately. If they can not be verified with solid evidence, they must be removed without delay.
Product: Money transfer, virtual currency, or money service

Deposited XXXX Ethereum, XXXX Bitcoin, XXXX Polygon, XXXX USD Coin, XXXX XXXX Dollars and XXXX XXXX into Celsius Network as loans ( in exchanged for " rewards '' /interest ) with the supposed ability to be able to withdraw the funds at any time. 

However, the funds ( approximately $ XXXX in market value ) are now completely frozen and unable to be withdrawn. I am filing a complaint as I believe that Celsius has been dishonest and fraudulent about what it was doing with the borrowed consumer funds, riskily trading without the proper controls. 

Celsius is deeply insolvent and lacks the assets and liquidity to honor its obligations to account holders and other creditors. Celsius deployed customer assets in a variety of risky and illiquid investments, trading, and lending activities. Celsius compounded these risks by using customer assets as collateral for additional borrowing to pursue leveraged investment strategies. Additionally, some of the assets held by Celsius are illiquid, meaning they may be difficult to sell, and a sale may result in financial losses I would like to find a way to be able to withdraw my money, as originally promised by the company per their terms and conditions.
Product: Vehicle loan or lease

I make over payments I see larger portions going to interest. Also I get charged late fees when I make payments early. My statements are never correct. Contacting their help is an automated run around.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the POSSIBLEFINA still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Money transfer, virtual currency, or money service

I initiated a transfer from my bank, XXXX XXXX, on XX/XX/XXXX to my Venmo account. According to my statement, the funds were debited from my account on XX/XX/XXXX. 
The funds are still not available today at Venmo XXXX. My understanding is the ACH transfer should take a couple of days at the most. Vemno said it would be available XXXX. When I called them they gave me a song and a dance. SHouldn't they be processing these transfers quicker? Seems like the ol' float game to me.
Product: Credit card or prepaid card

XXXX XXXX XXXX by Comenity bank XX/XX/XXXX first I scheduled two payments to pay off the card before the finance charge was added to the account. One payment for XXXX $ from one account ( XXXX ) and another XXXX payment from my checking account. 

The bank stated that they never received my payment of XXXX $ and that because of this the finance charge of XXXX $ would be assessed. I opened a dispute with them but never received confirmation that the dispute was taking place nor what action resulted from the dispute. 

On XX/XX/XXXX the bank confirmed that there is a business rule on the back end of their software system saying that only one payment can be pending a day ( a Sr. account manager named XXXX ). 

This rule is not clear- the email notifications you receive are that one payment is completed and then a payment has been updated but it is not specific about which payment is updated. I have spent 15 hours on the phone with the bank and they refuse to admit that this is a system issue and that the finance charge should not be applied. They have stated that they have mailed me letters ( XX/XX/XXXX and XX/XX/XXXX ) but I have never received these letters despite having confirmed my address with them and requested them to mail the letters certified mail multiple times. I also stated that since the payment was being made from a new account this constitutes a new payment and the bank ignored this.