23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in light of 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 recover a lost funds was impossible, and the tracking these transactions was unfeasible. The CFPB 's findings indicate that there was not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam 's. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

I have 12 unauthorized/fraudulent inquiries on my experian credit report from XXXX XXXX attached I have 15 unauthorized/fraudulent inquires on my XXXX credit report attached I have 20 unauthorized/fraudulent inquiries on my XXXX credit report from XXXX report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Bank account or service

On XX/XX/XXXX my purse/wallet were stolen from my car while dropping my infant off at daycare. Once I realized I immediately called Chase & XXXX whom I bank with and had my cards frozen/cancelled/stopped. I logged in to my chase account to see if my new debit card had been mailed and what I found instead was my account empty. The perpetrator had managed to make 5 withdrawals ( totaling {$7700.00} ) from three different branches ( not online ) using withdrawal slips. My account was not frozen and had no alerts about this strange transactions. When I called Chase on the XXXX the representative was anything but helpful and said I had to go into a local branch to file a formal complaint -- which turns out was inaccurate when I arrived. I was told it could have been handled over the phone as I attempted to do in the first place. I was also told it could take up to 30 days to get my money back. I would like to know why Chase was not more on top of the strange account activity considering I file a theft claim on the XXXX. Every chase conversation I have had has n't be helpful and I would like to know why it will take so long to get my money back and why was n't my account closed when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING RE-AGED 2 ACCOUNTS FROM XXXXXXXX XXXX THAT WERE ALREADY REMOVED BEFORE FROM MY CREDIT REPORT IN XXXX AND XXXX. 

XXXX IS STILL REPORTING THESE RE-AGED ACCOUNTS FROM XX/XX/XXXX. IT IS A VIOLATION OF THE FCRA LAWS TO RE-AGE AN ACCOUNT. I WANT THIS REMOVED IMMEDIATELY. THIS IS NOW XXXX DISPUTE WITH YOU. THE LAST DISPUTE XXXX STATED THAT IT WAS NOT REPORTING ON MY CREDIT REPORT HOWEVER IT WAS AND STILL IS. I WANT THIS DELETED IMMEDIATELY. 

XXXX REEMOVED ONE OF THE RE AGED ACCOUNTS BUT DID NOT DELETE THE OTHER ONE. ENDING IN XXXX. 
AND I HAVENT HEARD ANYTHING FOR OVER 60 DAYS
Product: Debt collection

This company keeps calling me, all day long, to try and contact my step-daughter  who may or may not owe a debt. But the people who call and harass me many times per day ( they have calles me three  times today,  XXXX   XXXX  ) illegally tell me about my step-daughter 's credit issues. They also keep demanding to talk to my husband to confirm that my step-daughter does n't live with me even though I 've told them numerous times he 's passed away. I have  XXXX   XXXX   XXXX , and I can not handle this ruthless company calling my all day long for an alleged debt that has nothing to do with me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

i was contactedv by XXXX saying i was overpayed. I know for fact my kids mother was handling allm the XXXX and XXXX stuff. In would of never accepted moneyb whichn in did not deserve. I am convinvced either my kids mom got and spent the moneyb or there was a error om your side,. Account # XXXX food stamp.oRIGINALLY I AGRREED YOM PAY THIS MISTAKE NBACK FROM MY S.S.I BUT AFTER THOUGHTS I CANT HELP BUT XXXX IN DID NOT RECEIVE THIS MONEY. PLEASE HELP XXXX XXXX
Product: Checking or savings account

APY went down drastically. XXXX savings went to XXXX performance saving without my knowledge
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a user registered on XXXX. On the same day they purchased an item from me and they used the PAYPAL link on XXXX 's site to pay for the item through PAYPAL.. I packaged and shipped the item same day through USPS ( Tracking Number XXXX ) Tracking shows that the item was received at XXXX XXXX, XX/XX/2020. The money was processed into my PAYPAL account. 6 weeks later the buyer claims they didn't buy it.. and filed a claim with PAYPAL.. Paypal sent a message to me of the hold on funds and the dispute. I tried to call them 7 times but.no one answered and all you get is a recording..telling you to use their virtual messenger.. I used their messenger and gave them the same information that is above.. 2 days later they sent another message stating they ruled in favor of the buyer and refunded them plus charged me and extra {$20.00} for the charge back ... I am a XXXX senior and XXXX may not seem like much to them.. but can be for me.. Yet, I did nothing wrong. I fullfiled the requirements of XXXX  in a timely manner and the buyer used XXXX  's on site link to pay..At the time of the purchase I had been a customer of both XXXX  and Paypal for 18 years ... The buyer had been a customer of both for 1 day.. It is a new twist on a common fraud perpetuated on XXXX. Only this time, the buyer files the dispute with PAYPAL.. so paypal rules for them..and XXXX  will not step in because the dispute was not filed on their site ... You call and you can not defend yourself at PAYPAL because no one answers.. and then they arbitrarily take money from your bank account and charge you additional fees without explanation as to what you exactly did to deserve theft of monies from your account. Once they make a decision there is no way to dispute it, no one to call, and precious little response from their virtual messenger.. You are just out of luck ... Now I am not so arrogant as to think this has only been done to me.. I am out {$50.00} ... not a huge amount in the grand scheme of things but..how many others does this happen to..and without any fair way to resolve it, without anyone who will pick up a phone.. I consider this theft.. If I had a customer that used my services for almost 20 years..I think I would at least hear them out with a real person.. before throwing them under the bus..
Product: Credit reporting or other personal consumer reports

For countless days/months XXXX website has been down and countless consumers are unable to login to the website. After several calls, the company claims they have changed or updated their website. Each time you login it says, We are temporarily unable to complete your request. It looks like were experiencing a problem on our end. Consumers are unable to login and freeze or unfreeze their credit reports. This is a major issue. Nothing is being done to correct this issue. TransUnion is one of the three major credit reporting bureaus this is highly unacceptable. The website needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a fraudulent application was submitted to XXXX XXXX and they ran a hard inquiry. I notified them of the issue and they acknowledged that I did not submit the application. I submitted a CFPB report and they told me that they would notify the credit bureaus regarding this matter to get it removed from my report. Thus far all credit bureaus have removed the inquiry except Transunion. 

Bank Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft and Credit Fraud. This card that I did not recognize. 
XXXX Account number XXXX Account type Credit card Responsibility Individual Date Opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX IS NOT MY ADDRESS ; It is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX XXXX XXXX tried to debit over {$3000.00} out of my account instead of {$660.00}, my normal payment. After XXXX contacted me about the unusual amount trying to be debited from my account XXXX XXXX has insisted that I have been behind in my payments. Ally has stated that since XX/XX/XXXX I have not been paying within the 30 day thresh hold but yet and still my online mobile account shows payments for each month, late but paid. 
There was a question about a returned payment for XX/XX/XXXX. After sending the bank statement ( redacted ) which displayed the payment was available and withdrawn by XXXX XXXX, my credit report has been tarnished drastically by XXXX XXXX stating I am 4 months behind. I have all of the payment receipts and bank withdrawals. 
There were times when XXXX would debit the account due to autopay before my direct deposit was there and the bank would not honor the payment. I would manually make the payment the same day later in the afternoon and XXXX would resubmit the payment through the bank and it would come back as insufficient because I would have made the payment manually.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX XXXX XXXX XXXXXXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

The first date of delinquency with omni financial is XX/XX/XXXX and not XX/XX/XXXX. I spoke with omni financial supervisor XXXX XXXX about the inaccurate reporting on my credit report. He agreed that the date of first delinquency is wrong in that it was nothing he do about it. I have supporting evidence and payment history in according to the Fair Credit Reporting act correct reporting is the law.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts listed on my credit report this morning, and I have no clue why theyre there. I always check my report, but this time, I noticed errors that seemed to come out of thin air. I thought maybe it was a browser issue, so I refreshed it, but that didnt fix anything. The wrong accounts were still showing. Im asking for my documents to be reviewed properly so that I can have peace of mind once and for all.
Product: Checking or savings account

On XX/XX/2024, I opened a checking and brokerage account with Charles Schwab and I got approved on XX/XX/2024 for Level 1 Options trading and received confirmation that my account was fully ready on XX/XX/2024. On XX/XX/XXXX, I received an email stating that during a recent review, Charles Schwab found that the brokerage account doesn't meet Schwab 's business guidelines and that they were closing the account. I haven't used the account nor do I have any illegal or unusual activity with this account nor with any bank for that matter. Charles Schwab has failed to provide the basis for closing my account and I am considering arbitration or litigation if necessary. The only plausible reason that I can think of as I don't have any issues with other banking institutions, is a current settlement agreement with XXXX XXXX where XXXX XXXX failed to remove the information from a closed account from XXXX XXXX XXXX XXXX XXXX within XXXX days after our arbitration as my account was closed for excessive overdraft fees though during my transactions, my account was actually showing a positive balance. I am actively pursuing litigation against XXXX XXXX for breach of contract for failure to adhere to our agreed stipulation in our settlement agreement and I believe this is the reason that Charles Schwab closed my account even though I was initially approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Back in XXXX and again in XXXX Trans Union experienced a " computer glitch '' that had caused the hard inquiries on my credit report to disappear. Then apparently they were all " re-added '' to my report. According to the law, they failed to provide me anything in writing that they were adding the hard inquiries back to my account. 
I tried calling Trans Union directly and spoke with XXXX XXXX on XXXX/XXXX/XXXX at XXXX. EST. She was less than cooperative and denied that Trans Union ever experienced any type of computer issue. I tried to discuss the matter courteously and she told me that there was nothing she could or would do. 
I currently show 16 hard inquires on my credit report dated XXXX/XXXX/XXXX and I request that they all be removed as I was not notified in writing that anything was being put onto my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what happened when I wrote XXXX  in XX/XX/XXXX Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX  XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in XXXX. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please. 

Now, it is XX/XX/XXXX and XXXX have not done anything to resolve my issues that are fraudulent and I can not even access the online form on their site to dispute my issues. This is so frustrating and unfair and unjust from this company that I dont understand how the government allowed for this type of practices to take place. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran  that is trying to purchase my first home for my family and this company is keep on reporting fake account and inquiries that I never did, that I never allowed. 

If I miss out on closing on my property I will sue this company and I need your help because it is completely unjust. I call everyday to talk to a representative and they keep on transferring me and then they say the department that is handling your case the office is now closed. I NEED HELP PLEASE CFPB, YOU HAVE TO HELP
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Debt collection

On XX/XX/2018 I received a letter dated XX/XX/2018 from this collection agency that I never did any business. I immediately responded with a letter stating that I did not have any business with the collection agency and because they are a 3rd party collector they need my permission to furnish any information on my credit as it is stated in the FDCPA. I clearly told them they DO NOT have my permission to access nor report on my credit file. I requested validation, verification, proof of contract and a certified copy of an authenticated original contract with my signature naming them as an entity entitled to enforce a commercial claim against me. I informed them that according to the FDCPA they have 15 days to provide the strict proof of contract or they must cease and desist any & all collection efforts. I am attaching a copy of the letter as proof. 

On XX/XX/2018, I received a responding letter dated XX/XX/2018 from the collection agency stating they would honor my request to cease communication and they would be terminating any further collection efforts. They then stated that they would send weekly electronic files to credit reporting agencies listing debts that are unresolved and unpaid 15 days after they begin collection efforts. They DID NOT send the requested information that was clearly listed in the verification, validation & proof of contract letter that I requested. They also did not respond with said information within the 15 days that the FDCPA allows. 

On XX/XX/2018 I responded to the collection agency stating they did not provide strict proof of contract at all, which puts them in breech of the 15 day window listed in the FDCPA. I also stated that I appreciate them for stating they would cease communication and terminate collection efforts, but they should also NOT do anything as it related to my credit files for they DO NOT have my permission. I also listed the missing information that they DID NOT verify NOR validate. I clearly stated my remedies in the event they violated my rights by reporting this unverified, unvalidated & uncertified information on my credit report. I even CC 'd the legal firm I may use in the event they go any further. This collection agency did not honor their word nor did they provide any proof ; they did send a letter to the law firm stating they intend to collect on the alleged debt. 

Yesterday, XX/XX/2018 I saw that this collection agency did file a collection report to the credit reporting agencies which clearly violates my rights and has hurt me in the process for I was attempting to get a loan. I have attached all letters that were sent to and received by the collection agency.
Product: Credit reporting or other personal consumer reports

I want these inquiries removed. These inquiries were unauthorized, and I want them removed. 

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