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

Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on XXXX, Experian, and XXXX, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX XXXX XXXX, Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXX XXXX XXXX XXXX did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Equifax Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer Equifax must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. If transactions are not included in my consumer report, why are there late transactions? This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Product: Credit card or prepaid card

To whom it may concern, This is a simple matter but the bank in question is not responding to any of my communications either by phone and or to the XXXX complaint which was filed and marked as closed unsatisfactory. 

A merchant ( XXXX XXXX ) processed a refund to XXXX credit card that I used to have, but I have never received the funds. I have rang XXXX on a number occasions as they staff in the remote call centers have been quite abrupt and simply told me, to contact my current bank. 

XXXX closed down and transferred their business to Citizens in XXXX of this year. There was a refund processed by a XXXX merchant in full on XX/XX/XXXX of this year, but I have not received a check and my current bank states they have not received the funds. 

The refund was made to my XXXX XXXX Credit Card [ expiring on XX/XX/2025 ] : {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.
Product: Checking or savings account

On the XXXX of XX/XX/2018 I visited my banks atm to deposit my paycheck and withdraw cash as well. After depositing my check, I made another transaction to withdraw XXXX $ from my checking account. The ATM made the sound as if it were dispensing my cash and did not open the slot where it comes out. And error message popped up on the screen and did not give me a receipt. Using my banks mobile banking app, a transaction for XXXX $ was showing on my account and was in fact credited from my account even though the atm failed to dispense my money. Giving that it was a Saturday night and the bank was not opened till Monday I waited to dispute the error made the following business day. I went in on the XXXX of XXXX and made a complaint. The Bank then credited my account for the XXXX $ dollars. I was never informed that there would be a investigation following the incident and now I have received a letter from my bank saying they could not identify an error in the transaction and would be taking back the XXXX $ refunded to me. This is theft of my money and am unsure what to do now. My banks ATM has a camera and I want them to check the camera to see that they in fact did not give me my money. I am very frustrated that a bank that I have been with for years would not look better in to this situation for me. Thank you.
Product: Student loan

I have multiple loans that should be in administrative forbearance and not collecting interest, however MOHELA has completely ignored this and continued to charge me interest on those SAVE loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union ( " T.U. '' ) provides is providing different credit information regarding instant consumer to different creditors. Attached is a XXXX XXXX report wherein T.U. not only provides inaccurate information, but the information being reported in the XXXX XXXX report fluctuates dramatically without just cause. 1. T.U. has deleted the Bankruptcy dated XX/XX/XXXX from my T.U. credit report, but continues to report it to XXXX XXXX on my XXXX XXXX Account. 2. T.U. currently reports that 75 % of my payments are On-Time payment, but in XX/XX/XXXX, T.U. reported that 90 % of my payments have been On-Time. Of particular importance, my T.U. credit reports indicates that I have had NO late payments in nearly 24 months. 3. T.U. reports to XXXX XXXX XXXX XXXX that my oldest credit line is XXXX years old, when they previously reported that my oldest credit line was XXXX years old. Amazingly enough, on XXXX XXXX T.U. report my oldest line of credit is only 5 years old.
Trans Union is obligated to report accurate information. 15 U.S.C. 1681e ( b ) states that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On information and/or belief, T.U. can not be following reasonable procedures to assure maximum possible accuracy if T.U. is sending disparate consumer reports to varying creditors, XXXX XXXX, XXXX XXXX and XXXX XXXX. Clearly this is lacking in each of the reports.
Product: Credit reporting or other personal consumer reports

This account is not mine. Ive disputed with original company and with credit bureaus. Ive sent over all documents stating my case and information to prove its not my account. This item keeps reappearing on credit file without proper verification. This account needs removal. 
This XXXX XXXX XXXX XXXX and XXXX  XXXX  accounts needs removal
Product: Debt collection

I have been paying on a debt with Midland Credit Management that was {$750.00} XXXX XXXXXXXX bill. 

I have paid XXXX payments of {$100.00} each, for a total of XXXX, making my current balance, They are not reflecting my payments on the account portal of the website and not updating the information accurately with credit bureaus where they have been reporting that I owe more than I do.
Product: Debt collection

I have made repeated attempts with XXXX XXXX to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.
Product: Money transfer, virtual currency, or money service

I 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 explicit then system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX 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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Checking or savings account

During Quarantine, I started using credit cards to buy food and such things as books and clothes. i was paying my bills and then I got more cards and it became impossible to pay all of them. 
Just so you know-I am on Social SecurityXXXX I am now working with a finance settlement company I got behind awhile back and started to get overdrafts. 
U.s. Bank-a bank I have been at for at least XXXX years. 
XXXX an overdraft and they took away my overdraft forgiveness. I didn't even know I had that. 
I had tried before to have overdrafts removed and was refused. 
Last month I was given 9-10 overdrafts-it cause me almost XXXX dollars. 
This month, they took that money out of my social security check. I make XXXX a month and almost XXXX dollars was taken from me. Now I am behind around XXXX XXXX I do have a line of credit and a loan with the bank I have been unable to pay. I can't pay. I can't buy food and the fact is I have no money. 
I pay my bills such as one for cable/internet and my phone bills. Everyday is now like something just get tolerate instead of liking. I honestly dont know how much longer I can take this. 
I also have my cat who needs to be fed and taken to the vet if sick. 
What do I do? What can I do? 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Debt collection

I need some help, I have requested several times validation and proof of payments, copy of signed contract etc. I do not feel I owe this company anything and need to see the full history of payments, signed initial contract etc.
Product: Credit reporting or other personal consumer reports

TransUnion did not remove XXXX and XXXX  XXXX off my credit report.
Product: Credit reporting or other personal consumer reports

There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan. 

Furthermore, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report.

U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.
Product: Credit reporting or other personal consumer reports

Equifax, Experian & TransUnion all say they are getting Bankruptcy information for XXXX Bankruptcy Court PA when I have already provided them PROOF that the court is not reporting it. 
XXXX XXXX clams their source is XXXX  reporting it, therefore the information on my reports in INACCURATE. 
Please remove IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian Credit Bureau XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX. 
Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX XXXXXXXX XXXX My only telephone number is : XXXX Please respond via EMAIL only. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Product: Debt collection

I had woken up and checked something on my phone. After being on my device for about 5 minutes, I received a text message from Aspire about my credit card payment being due at XXXXXXXX XXXX. I am on the way coast so there is no reason why I should have received this message at this time of night. It's like they knew I was on my phone.
Product: Debt collection

caine & weiner send me a debt collcetion and we do not have a contract Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFTB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts that I have marked as inaccurate - XXXX XXXX XXXX ( It's been over XXXX ) - XXXX XXXX XXXX ( I have no knowledge of this account ) - XXXX XXXX ( I have no knowledge of this account ) - XXXX XXXX XXXX ( I have no knowledge of this account ) - XXXX  XXXX I have no knowledge of this account ) - XXXX XXXX XXXX XXXX I have no knowledge of this account )
Product: Checking or savings account

On Saturday XX/XX/XXXX, XXXX XXXX XXXX Charged my SoFi Bank account for wireless service. I do not have XXXX XXXX XXXX wireless service. I tried contacting them over several days, XXXX, XXXX and XXXX. It is now after business hours on Tuesday XXXX XXXX. The charge is still in my account and my bank will do nothing about reversing the charge, giving me a provisional credit, or anything that resembles giving me access to my own funds. After yet another phone with SoFi, my bank. They said I will have to said until XX/XX/XXXX for a resolution. 

I am not allowed to protect my funds from any charges at all with this bank, and they refuse to give me access to my money. I just want my money back so I can go to another bank that is an actual institution of finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code 1681c2 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. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Had a cash app account, forgot password was unable to speak to anyone, emailed them many time with no results. That account had over {$500.00} in it. Never was able to access funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several addresses that appear on my report that are incorrect my address is XXXX XXXX XXXX XXXX XXXX PA XXXX 1. XXXX has reported my account which was sold to another agency my personal information is now exposed 2. Many inquiries which I disputed are fraud I also want to add some closed and still appear on my file which I would like them deleted
Product: Debt collection

Company Name : RESURGENT/LVNV FUNDING With all these dates listed below i requested the purchase agreement be provided. 
They are reporting {$680.00} since XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX This item was updated from our processing of your dispute in XX/XX/XXXX, this was never removed.