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

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Debt collection

My issue is really not with the collections company ; however, it is that I should not be receiving calls, texts or bills regarding lab work done in doctors office ( which was out-of-network for my insurance ), so they denied claim because the doctor did not do her verification of coverage before service was provided. The matter is being disputed under the XXXX XXXX XXXX Billing Act with hopes that it will be resolved accordingly, but in the mean time, this XXXX XXXX ' has been sent to collections.
Product: Credit reporting or other personal consumer reports

I have been unable to obtain my free weekly  XXXX credit report through www.annualcreditreport.com for over a year. I have had to purchase a XXXX membership through XXXX to obtain my XXXX credit report. According to Federal Law, I should be able to obtain a free credit report weekly. I am able to obtain a free weekly credit report from XXXX and Transunion through www.annualcreditreport.com ; however, due to an " error '' in the XXXX website or an " error '' in www.annualcreditreport.com, I am not able to obtain my XXXX Credit Report.
Product: Checking or savings account

I made a checking account using the XXXX opening bonus code. The rules of the code are as follows '' 1. For a limited time, no later than XX/XX/2023 ( we may shorten this timeframe without notice ), open a new Ally Bank Spending Account by using promo code XXXX. Remember! You must fund your account ( with any amount ) within 30 days of opening it, otherwise the account will automatically close. 2. Set up a Qualifying Direct Deposit ( QDD ) and receive QDD payment ( s ) totaling a minimum of {$1500.00} within 90 days after opening your new Ally Bank Spending Account. 3. Keep your Ally Bank Spending Account open and in good standing until we deposit your {$200.00} bonus, which will be within 30 days after you reach the {$1500.00} QDD minimum within the 90-day period outlined in Step 2. ". I reached my XXXX Direct deposit quota on XX/XX/XXXX. After about two weeks, I inquired about when my bonus would hit, and was told it could take up to 30 days after reaching the XXXX quota. I inquired today ( XXXX XXXX ), and was told I actually need to have the account hit XXXX, not just have XXXX in deposits. When I looked over the terms, this was not stated at all. I was also told that there was no department to escalate this issue to.
Product: Debt collection

I have requested validation or removal of debt in the total amount of {$710.00} opened on XXXX XXXX, 2015 from this collection agency and they have failed to provide debt validation information via US postal mail or to remove the debt from XXXX credit reporting agency. It has been more than 45 days since the original request was sent.
Product: Credit card

I have contacted Chase multiple times about a balance transfer that never went to my credit card account at XXXX credit union. On XX/XX/2016 Chase stated the transfer was sent to the wrong account at XXXX. They opened an inquiry about it and said they would try to get the funds placed in my account. Today it has been over a month since the first contact with Chase. I called Chase today XX/XX/2016 and XXXX said that the transfer was denied due to the account number being incorrect and that I would receive a letter in the mail stating this information and the funds would be refunded to my account. XXXX also said that I could initiate another transfer with the correct information. He could not say when the funds would be refunded to my account only that they are working on it. In the beginning I asked Chase if they could provide me with the account # that the funds were sent to and they said no. I have been making payments for over a month on the same balance on XXXX different cards. Sorry I even initiated the transfer in the first place.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I requested an investigation into this account. After that you did not fix the errors on this account. So on XX/XX/XXXX I requested a re-investigation of this account. After you re-investigated it, you still did not fix the errors. On XX/XX/XXXX I pointed out that this shows the high balance in {$7300.00} but XXXX is showing the highest balance as {$7200.00} which is different than what you show. The FCRA statutes state that all credit reporting agencies must report the same balances or it is deemed inaccurate and therefore must be deleted. 

Also, it shows this account was closed on XX/XX/XXXX, but it continues to show it is being charged off every month. An account can only be charged off one time. It needs to just show one time. I am requesting this account be deleted due to the continued neglect and inaccuracies even after multiple investigations.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's 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 informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My information was given out when the there was a data breach. There are account on my credit that is not mine
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Experian associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Experian has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

This company has reported a collections account my credit report that I have not been made aware of. I have not recieved any written notification therefore, my right to dispute and request verification has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to make a complaint on how the XXXX  and Transunion credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with XXXX and Transunion with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX  XXXX XXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX  XXXX XXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,
Product: Checking or savings account

I withdrew a college XXXX plan. I paid {$15.00} to expedite the check. I deposited the check through the ATM on XX/XX/year>. I messaged the bank to see when the deposit will clear and I was told that the check was on hold until XX/XX/year>. All of my items will be returned and I will get overdraft fees. The reason for the check hold is " confidential information that check may not be paid. '' I asked if I can send in something to show that this check came from XXXX  XXXX plan that I withdrew and that I even paid for it to be expedited. They said no. I told them that I am going to get return fees, late fees, and other penalties. Is someone can prove where the check comes from, why can't they go off a reliable source. Yet, they do not disclose the " Confidential information. '' In addition, XXXX is apart of the XXXX  XXXX plan. This is not something they are unaware of. They are based out of Ohio and also has funds for the XXXX  XXXX. 

This is a scam because my money is low. I am going to be penalized a lot, and they don't even attempt to help! We all know that a bank can see a successful transfer in less than 10 days. 

The letter says that the " hold was done to protect you from financial harm '' Yet, the hold puts me in financial harm. 

I never have this issue. My account was overdrawn and I forgot to move money. This is the reason I feel they are holding it. XXXX  XXXX is very popular here in Ohio so they are familiar with these checks. If they do not hold all of these checks for 10 days, then why this one?
Product: Credit card or prepaid card

XXXX never received a card from unemployment fl. been waiting still waiting but yet its active but i see nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous inquiries on my credit report that were not authorized by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent inquiries from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed inaccuracies and incorrect information unauthorized charges and fraudulent transaction reported. I had multiple variations of my first name and last name as well as names that are not mine reported on my credit record. I sent a letter to the credit bureau on XX/XX/XXXX, and asked them to investigate in but the problem is still remains unfixed. Please address this matter, as I do not know what to do in order for them to report accurate information on my credit report. 

I also saw some hard inquiries that were unauthorized. These inquiries have negatively impacted my XXXX XXXX and financial standing. 

Below, I have listed the unauthorized hard inquiries along with their respective dates : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian I did not apply for any credit or authorize any companies to access my credit information on the mentioned dates. Therefore, I kindly request that these unauthorized inquiries be promptly removed from my credit report.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Recovery Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting or other personal consumer reports

Late payments on my report don't align with my payment behavior. Please adjust and update.
Product: Credit reporting or other personal consumer reports

Re : FINAL NOTICE OF METRO 2 NON-COMPLIANCE IMMEDIATE ACTION REQUIRED Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative, I am formally disputing the inaccurate and non-compliant reporting of the accounts listed above. 
Your failure to maintain accurate, complete, and consistent data constitutes a clear violation of 611 of the FCRA and Metro 2 standards. These errors must be corrected immediately to avoid further action. 
Violations Summary XXXX. XXXX o Account shows as open with delinquent status but marked closed by XXXX. Reporting late payments ( 30-day ) post-closure violates Metro 2 guidelines.

2. XXXX  o Inconsistent last activity dates between bureaus. Reporting 90-day late payments on an open account with a {$0.00} balance is misleading and non-compliant. 
XXXX. XXXX XXXX o 60-day delinquency reported despite account being listed as closed by the credit grantor. Data inconsistency across bureaus violates FCRA requirements for accurate reporting
Product: Credit reporting or other personal consumer reports

All the credit inquiries on my credit reports from all 3 credit bureau from XXXX on up to XXXX I am not responsible, for I have tried to dispute these inquiries I even file XXXX XXXX XXXX to try to clear this problem up.Plus I was notified that my personal information has been compromised in the XXXX XXXX XXXX so i need these inquires deleted from my credit reports.
Product: Checking or savings account

Went to the bank to check on our balance and they would not give it. They played games. Wanted to withdraw money and they would not let us. we left upset. next time went again and asked for the same thing plus a bank statement and they declined. after waiting forever we told them to close the account and give us our money and I am sure they gave us less byt got away with it because we just wanted to leave the nightmare behind. I had the account under my mom and myself. My Mom XXXX XXXX XXXX XXXXXXXX and I am XXXX XXXX. I swore never again to bank with them, They stole our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

Citi bank after a few attempts to collect the debt sold my account for pennies of the dollars to XXXX XXXX solution with a balance of XXXX which includes XXXX of principal ... {$1100.00} ( Interest ) and {$360.00} in fees Which i think is a rip off ... so now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX .UT XXXX XXXX XXXX I went trough a Rufo time, Im able to pay Citi bank directly but collection agencys are living and making profit from people which is abuse, its is a disgrace.Even if you decided to pay the collection agency that record stay for 7 years Hurting your credit score
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 
Also Attached is a copy of my identification and current address. 

RE : XXXX XXXX XXXX  XXXX Account # XXXX In accordance with the Fair Credit Reporting act Convergent 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. 

The Company 's Response to Complaint XXXX In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. 

I have attached additional information need to verify my identity and current address.
Product: Checking or savings account

I have had no luck escalating my complaint with their customer service department so if you could please forward my email to the correct people to get it resolved. 

This complaint is regarding claim number XXXX for {$130.00}, I was sent an unable to be paid letter back in XXXX, the letter state the merchant had rebuttled my claim, and that their rebuttal is attached, there were no documents attached, so I called up your customer service line the first time, they also could not find their rebuttal documents, so it was escalated the first time. I called up a few weeks later to find out the status of the escalation, and they said a letter had been sent out, so I wait a week later and I get the same letter I got in XXXX, saying unable to pay and the rebuttal is attached, so I called up again, repeat the same process, and now for the third time I am receiving the same letter with no info. Very frustratedly I called up again and explained the situation and they said due to being unable to pay they cant help me, now I understand getting the unable to pay letter but I am supposed to have the chance to appeal to whatever the merchants rebuttal is. I have never received that chance and am out the {$130.00} that I dont believe I should have been charged for. 

Can you please address this, this has been going on for far too long.