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

Im waiting to formally express my concerns regarding Zelles handling and disputes particularly in the light of the recent CFPB highlighting significant issues with the platform. Despite using Zelles numbers of times and reporting discrepancies My financial institution and Zelle fails to investigate my claims adequately They informed me that recovering lost funds was impossible And that tracking these transactions was Unfeasible.The CFPBs Findings indicate and not only neglect To protect consumers But has also allow repeat offenders To exploit the system Leaving users vulnerable to scam Lack of accountability and transparency is unacceptable And is serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Ive previously disputed this debt, it was removed and added again. Ive also provided all the required relevant documentation numerous times. I have included the initial complaint, in which XXXX XXXX XXXX admitted to the negligence of the fraudulent reporting, and that it would be removed.
Product: Credit card or prepaid card

On downloading the entire transaction history for my CITIBANK credit card, XXXX, from the CITIBANK website, it was found that I have overpaid by {$3200.00}. 

The account transaction downloaded spreadsheet shows that my total debits were {$61000.00}. 

The account transaction downloaded spreadsheet shows that my total credits were {$64000.00}, equalling an overpayment of {$2600.00} as of XX/XX/20.. 

On XX/XX/20, CITIBANK took another {$590.00} in AutoPay toward the card account from my checking account. 

With the latest AutoPayment, I have overpaid this card account by {$3200.00}. 

I sent a letter and the printout of the downloaded account spreadsheet to CITIBANK Office of the President by Certified Mail and have received the green receipt confirming delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries on my transunion credit report. 

remove and block these fraudulent inquiries NOW PLEASE the transunion fruadulent inquires are : XXXX. XXXX XXXX ON XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ATTACHED IS FTC REPORT ATTACHED IS MY CALIFORNIA ID ATTACHED IS A COPY OF MY UTILITY BILL FOR MY CURRENT RESIDENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX through XX/XX/XXXX, I had an active account opened with BMW Financial Services for my XXXX XXXX I had purchased through the dealership XXXX XXXX XXXX. BMW Financial Services reported an inaccurate late XX/XX/XXXX payment to XXXX, XXXX, and XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX and I purchased two money orders at the United States Postal Service on XX/XX/XXXX ( one payment for {$1000.00} and one payment for {$280.00} ) I was charge small fees for both money orders including a postage stamp to mail the money orders to BMW Financial Services. The total amount for this transaction was {$1200.00}. In addition, the two money orders were mailed by regular mail on XX/XX/XXXX and the {$1200.00} transaction shows on my XXXX  XXXX XXXX account statement ( under withdrawals and other subtractions ). On average it takes between 2-7 business days for regular mail sent from California to arrive to Ohio. BMW Financial Services has inaccurately noted that my payment was received on XX/XX/XXXX ( even though it was mailed on XX/XX/XXXX ). I have mailed money orders by regular mail prior to XX/XX/XXXX and I was not considered 30 days late. On XX/XX/XXXX, I filed a credit dispute directly with BMW Financial Services and they noted in their investigative report dated XX/XX/XXXX that they only received two payments ( one payment for {$1000.00} and one payment for {$250.00} ). Both of these amounts noted in their investigative report are incorrect as I have a copy of my BMW account statement for XX/XX/XXXX which shows the correct amounts ( {$1000.00} and {$280.00} ) was received. The XX/XX/XXXX late payment reporting made by BMW Financial Services has adversely impacted my credit scores with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more than 30 days still no update so NO investigation was done. This a violation of my right delete these account immediately From XX/XX/XXXX to XX/XX/XXXX and even before that NO NOTICE OF DISPUTE so no investigation was done to my credit delete immediately for this violation. 

FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus on many occasions to express the fraud alert. I have on my account as well as two request that the unauthorized unknown inquiries be removed while I am still dealing with this issue credit is also being processed with my information with the disregard to my fraud alerts that are on each of my credit bureau profiles. XXXX XXXX has giving me the hardest time Ive reached out to them only to be told they dont remove inquiries. It doesnt matter that they are unauthorized or authorized. They do not remove inquiries is what several out there Representatives told me from XXXX. XXXX has been kind enough to understand and begin to remove inquiries that I did not authorize, Equifax I believe has removed most all of the inquiries however, there are still the several variations of my name, and which I only use my name one way my Social Security number has been listed as an account number that I dont know or recognize and they continue to allow credit checks or inquiries with my fraud alert on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media
Product: Student loan

In XXXX, I co-signed for a loan for my mother. I signed once, however, I believe multiple disbursements and loans were taken out without my consent. Additionally, the interest rate for this loan is variable and currently sits at 14.75 %. I was NOT informed of the interest rate, or that it would be variable when I signed as a co-signer. Navient has provided misinformation about how I can get off the loan and refuses to lower the interest rate to a reasonable rate and lower the payment. The loan amount has more than doubled since XXXX, even though the loan is being paid. I spoke to Navient today ( XX/XX/XXXX ) and they still continue to deny our request for a lower interest rate ( from 14.75 % ) and they refuse to lower the payment ( currently over $ XXXX/month ). We need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a hard inquiry on my credit report almost every month from XXXX XXXX and I do not own a XXXX XXXX nor have I authorized them to access my credit report. I want them to stop checking my reports!!
Product: Credit card

I'm writing to complain about Synchrony Banks ' 15 day hold on balance payments. 

On XX/XX/year> my balance on the Synchrony PayPal Cashback World Mastercard was paid in full via Automatic payment from my credit union account. On XX/XX/year>, Synchrony emailed me saying, " Your payment for your PayPal Cashback World Mastercard has been applied to your balance. '' On XX/XX/year>, a payment to a vendor was declined because " the available amount ' on account was only {$310.00}, despite having made a {$9600.00} payment that they had " applied to '' my balance 12 days earlier. 

I then called on XX/XX/year>, Synchrony at XXXX, spoke to a representative named XXXX XXXX on a recorded line ), who informed me that there was a " 15 day hold on payments made on your account balance '' and that my balance actually wouldn't be credited with my payment until XX/XX/year>. 

My complaint is that in this day & age, a 15 day hold period on funds that have been withdrawn from my financial institution, and that I've been told were " applied to your balance, '' is an unreasonable amount of time that, in turn, limits the amount of my credit line that is allegedly available to me to make purchases. 

There shouldn't be more than a 2-3 day hold when payments are made to Synchrony directly from financial institutions via Electronic Funds Transfers .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint against Experian about the inaccuracies listed on my credit report by Experian Consumer Report which is a result of fraud and Identity Theft. 

The fraudulent companies include ; XXXX - CARD SERVICE XXXX {$5000.00} XX/XX/XXXX XXXX - CARD SERVICE XXXX {$18000.00} XX/XX/XXXX These accounts have been opened and/or used for fraudulent activity in my name using my SSN and personal bank accounts without my knowledge Please note that my personal data was breached in the XXXX XXXX Breach. According to Experian report on XX/XX/XXXX. These accounts were fraudulently opened and used a result of Identity Theft. I submitted police report, Identity theft report and blocking letters but Experian has refused to block these accounts. They are in violation of my rights under the fairs credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid my auto loan with XXXX XXXX at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and Transunion. Upon calling XXXX, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was XXXX or XXXX ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). XXXX is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their XXXX office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This account was discharged in XXXX XXXX Order of Discharge that has been furnished multiple times to credit card company and to XXXX, XXXX  and XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with Transunion regarding unauthorized inquiries on my report. TransUnion did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is taking more.than 30 days to remove data from my credit report or responding well after 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate Address:XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX Date Updated : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, US DEPT ED XXXX****Balance Owed XXXX {$1000.00} XXXX US DEPT ED XXXX*Balance Owed : {$6400.00}, US DEPT ED XXXXBalance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX XXXX XXXX*Balance Owed XXXX {$1100.00}, XXXX XXXX XXXXXXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Fraudulent charges were placed with My BestBuy credit card ending in XXXX. This is the second consecutive month fraudulent charges were placed on card. The card has a XXXX  balance. 

Called company last month, reported incident, requested account closure and requested that no replacement card be mailed. I received replacement card, called BestBuy and they now claim their systems are down. I have had two disconnected calls. 

I have the card in my possession and have never activated card. What prompted this was an email I received from BestBuy/Citi stating my payment was due alert. I want the account closed and all charges waived. The charges are for {$140.00} due on XX/XX/20. 

I am a XXXX citizen and can not resolve this on-going problem. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA it is unlawful to report unauthorized inquiries on my credit report therefore i ask that the following inquiries be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy cited as one of the reasons for denial. Unable to substantiate the existence of a reference to bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to transunion going over what i believe as inaccurate information reporting to my credit report. i have gone on deaf ears to be heard and have constantly been ignored. I sent them a letter on XX/XX/23 and even verified they received but nothing has happened with processing my request
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX & XXXX XXXX  XXXX