23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PenFed has been running a promotion of {$250.00} for opening a checking account and making XXXX direct deposit totaling at least {$1500.00} into this checking account by XX/XX/year>. I opened the account ( account # XXXX ) on XXXX XXXX, 2024 and made XXXX direct deposit of {$2900.00} on XX/XX/year> and {$2900.00} on XX/XX/year> from my employer. The promotion says " After you have completed all requirements, we will deposit the remaining bonus due in your new account within 60 days from promotional close date of XX/XX/year> ''. 
However after XX/XX/year> ( 60 days passed ) I still did not receive the bonus. I sent first email to the customer support on XX/XX/year> and was told " We are happy to submit an inquiry to the department that manages the promotion. Please allow 3-5 business days for an update ''. After that I have been waiting for more than 10 days and did not hear back from them. On XX/XX/year> I sent the second email again and got the response saying " We apologize for the delay. We have sent a follow-up email to the appropriate department for review. 
We will send out a follow-up email to you once we receive an update ''. 
But until today XX/XX/year> nothing happened. I am very disappointed that PenFed did not keep their promise to pay out the bonus upon completion of all the requirements and did not response to my inquiry. 
The email conversation with PenFed was through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called the direct phone number for XXXX XXXX of Williams & Fudge Inc. today at approximately XXXX am today ( XX/XX/2023 ). A gentleman answered the phone and he told me that XXXX XXXX was attending to a personal matter today but he could help me. 
I asked the gentleman if he could send me in writing that the collection would be removed from my credit report if paid. He told me that he would not and that Williams & Fudge does not report anything about a debt being paid to the credit reporting agencies. He continued to state that they would simply cease sending any further data to the credit reporting agency and Williams & Fudge Inc won't even report that the debt has been paid. The gentleman told me that I would have to take care of the credit report myself. 

This didn't make any sense ( and I told the gentleman that ), and he told me that he wasn't going to argue with me and was not going to send anything in writing. 

After that call, I contacted XXXX XXXX XXXX to find out if what he said was true. 

The XXXX representative explained to me that it is the creditor ( the debt collector ) that is responsible for sending the information about the account if there is a change to the information contained in the credit report. 

Therefore, the gentleman who answered XXXX XXXX 's direct phone number at XXXX a.m. on XX/XX/2023, either lied to me or just didn't want to deal with me.
Product: Credit reporting or other personal consumer reports

My information was sold bought illegally because I was a victim of the equifax data breach I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports including hard inquiries no never approved and multiple negative items and unknown address
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling my 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 funds was impossible and that tracking tracking theses transactions was unfeasible. The CFPBs finding indicate Zelle has not only neglected to protect its 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 about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX  - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX  was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled 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 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 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 tried to access my account with Experian to check if my credit report was frozen. Upon logging in its authentication verification only gave me one option which was to use an old phone number that is no longer active. I was trying to verify whether my credit report was frozen given the recent SSN hacking which instructed to make sure. They were able to validate the report is frozen however when I tried to get the phone number corrected so that I could log into the website I was told to recreate an account. Their website does not work, it perpetually loops me back to signing in then tries to get me to run a credit report which it then fails to do and again loops me back to signing in. In the end their website for verifying my credit freeze is not functional and I can not seem to resolve it with their phone customer service which tells me I have to send mail to them. This is ridiculous, they are preventing a service they are required to provide. Please get them to fix their website to at the very least offer verification through a mail token of something other than a phone number. The login was create 7 years ago.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX Re : Dispute of Charge Off Account # [ XXXX ] Dear Sir/Madam, I am writing to dispute the charge off XXXX XXXX XXXX XXXX XXXX that was removed on XX/XX/XXXX and came back on XX/XX/XXXX on my credit report for the above-referenced account. I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. Your violated the law by re insert false info on my account. You are required to investigate this charge off and verify its accuracy, including compliance with Metro 2 standards for reporting. Metro 2 guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the Metro 2 compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge off or meet Metro 2 requirements, the entry must be promptly removed.

Please treat this dispute with urgency and provide me with verification within the legally mandated 30-day time frame.

Thank you for your attention to this matter.

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

Wells Fargo made a big error there are 15 lates in a Mortage for wells fargo,,,, I already made a disputed directly to wells fargo they never fix the problem I also did a Direct dispute to XXXX  also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made
Product: Credit card or prepaid card

XXXX horoscope been taking money off my direct deposit {$29.00} since XX/XX/XXXX without my permission
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. XXXX is reporting XXXX Equifax is reporting XXXX. Furthermore Equifax is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report According to FCRA 623a ( 1 ) ( A ), 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. 

XXXX continues to verify that the account belongs to me and blantly ignore all of the erros i have disputed on my credit report. 

B ) reporting information after notice and confirmation of errors- a person hsall not furnish information relating to a consumer to any credit reporting agency if ( 1 ) the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is infact accurate. 

Here, for the i have dipsuted for a year with all three credit buraus constantly pointing out the inconsistencies that are being report. Each time, the bureaus confirms that grain has verfied the account as accurately, however, all of these consistencies and inaccuracies remain. 

in fact, equifax is reporting the date of last payment XXXX, and XXXX  and XXXX is repoting XX/XX/XXXX, a clear indication that there is an inconsistency and the information is not reporting accurately. XXXX is aware of this as they are the ones who provide verification to the credit reporting agencies. This is a clear willful non compliance.
Product: Checking or savings account

I am currently receiving Unemployment benefits from the state of Oregon. 

Oregon Unemployment Dept CID : XXXX For the week ending XX/XX/2023 : My benefit was processed on XX/XX/2023 and direct deposited via XXXX to my checking account at Navy Federal Credit Union . 

Date Posted : XX/XX/2023 or XX/XX/2023 Amount : {$680.00} Checking Account ending in XXXX That checking account was frozen and instead of being forwarded to my savings account the deposit has been held indefinitely. 

I spent approximately 10 hours on the phone with customer service and was unable to get the issue resolved and they acted like they were doing me a favor giving me access to my benefit. 

Unemployment benefits are protected funds and I want my benefits recovered and transferred to my checking account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have any permission or consent from I the consumer to furnish a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2022 Balance : {$150.00}
Product: Payday loan

HARASSING PHONE CALLS ON MY CELL NUMBER, THREATHEN TO SUE AND JAIL TIME IF DEBT IS NOT PAID, PERSON STATES THIS IS FOR A LOAN IN 2013, I FILED BANKRUPTCY IN 2013 AND ALL MY DEBT WAS LISTED, CALLING FROM PHONE NUMBER IN MINNESOTA. person kept YELLING AT MY REGARDING THIS DEBT she was RUDE AND WOULD not LISTEN, she TOLD ME I NEEDED TO PAY THIS DEBT BY XXXX TODAY OR ss NUMBER NAME WOULD BE LISTED WITH FBI FOR INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please find the hard inquiries that I have never provided consent for entered in my Experian Credit Report. I would like CFPB to instruct the EXPERIAN to remove them asap as they were entered without my consent and acknowledgment. Please find the name of merchants and date the inquiries were entered into experian. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiri

es : 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

I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX   account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, CREDIT ACCEPT CORP/CAC add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. XXXX. 

The following accounts have violated my rights : 15 U.S.C. XXXX states that I have the right to privacy. 
15 U.S.C. XXXXb ( Section XXXX ( a ) ( XXXX ) ) states that a consumer reporting agency can not furnish an account without my written instructions or authorization. 
15 U.S.C. XXXXc ( a ) ( XXXX ) states that no consumer reporting agency may include in any consumer report any adverse item of information, other than records of criminal convictions, that predates the report by more than XXXX years. 
15 U.S.C. XXXX ( a ) states that 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. 

Therefore, I am formally requesting that the accounts listed below be deleted from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I spoke to XXXX XXXX and settled the debt with them. They were supposed to contact Hunter Warfield. However after months of emails am still receiving collection calls and this debt was supposed to be removed per my email with XXXX
Product: Debt collection

XX/XX/2022 : Discovered unauthorized attempt on husband and wife 's bank accounts to extract {$1700.00}. 
XX/XX/2022 : Met with banker re : unauthorized attempt ; she froze both accounts and opened 2 new accounts, transferring all current activity to the new accounts. 
XX/XX/2022 : Received letter dated XX/XX/2022 from TRS Recovery Services stating husband owed {$1700.00} to their client XXXX XXXX. Advised to either respond and dispute debt within 30 days or pay it. 
XX/XX/2022 : Composed statement for filing Police Report that we dispute this charge. 
XX/XX/2022 : Filed Police Report for fraud against TRS Recovery Services for unauthorized attempt to withdraw {$1700.00} from 2 bank accounts. 
XX/XX/2022 : Composed Response Letter to TRS Recovery Services, disputing the debt and mailed it with copies of Police Statement, Police Report, and dispute box checked on original letter from TRS Recovery Services. 
XX/XX/2022 : Received Second Notice dated XX/XX/2022, from TRS Recovery Services, still demanding payment AND now advising husband has been reported to XXXX XXXX, XXXX and will remain in their database until the {$1700.00} is paid.
Product: Credit reporting or other personal consumer reports

i am attaching 3 credit reports side by side. delete all data that does not match between 3 agencies. this time no expection. i will be suing all for each inaccuries and attaching police report from XXXX. I have been fighting from XXXX now it is XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection Act CFPB specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Since XXXX XXXX XXXX NCD Financial has been reporting account XXXX onto my credit without any explanation. i first noticed on XXXX of XXXX that I had acquired missed payments on my experian credit report for an account I am not familiar with. I reached out to the Company about possibly being a victim of identity theft and they did an investigation but continues to leave the account open in my name. NCD Financial does not even collect on the reported amount. I have not received any communication from the company by mail, phone or email. I don't know what to do to have this issue resolved, it has prevented me from getting approved for a car. I would like for a fraudulent investigation done on the reported account please.