23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have some incorrect information on my report, in which my name was misspelled. And also, the XXXX XXXX inquired on XX/XX/year> may be unrecognizable. My credit score has gone down dramatically over the past few months because of this. The name IDs : # XXXX and # XXXX are spelled incorrectly. The address IDs : # XXXX and # XXXX are incorrect. The phone number ending in XXXX is incorrect.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$660.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$38000.00} XXXX  - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 I received a text message saying fraud alert. Shortly after that I get a call which read Wells Fargo Bank. And it went like this.Hello XXXX XXXX my name is XXXX and Im calling from the fraud department. We have received a alert that someone is trying to take 3500 from your account through XXXX. Also XXXX XXXX your card has been compromised in XXXX Florida. These charges will be send by XXXX and we need to hurry up and reverse these charges back to your account. I never used XXXX so I had no clue on what was really going on. I was instructed to send 1,000 for the first transaction and then 2,500 for the second transaction. And not really paying attention I noticed that my funds were disappearing from my account. I told XXXX why is my funds being taken away if we are supposed to be reversing this charges. At this point he started to get defensive. I asked if my account has been compromised then it would be a good idea for me to change my password. He instructed me not to do that until I get my card in the mail and also not to go on my account at all until I get my new debit card. Im like okay this doesnt make sense to me and told him bye. I hung up in disbelief of someone just scammed me of my money. I was so upset and cried. I then called my bank and told them what happened and filed a claim. Wells Fargo told me it would take up to 10 business days to get a response. I eventually received a letter from them stating they could not give me my money back because I sent the money through XXXX. I was hurt all over again. To think my own bank could not do anything about this matter. They never asked what proof did I have. They never asked what number called me. They never asked my anything. For someone to rob me of my own money really broke my heart.
Product: Debt collection

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. 

PERMANENTLY REMOVE-off my credit report pay damages in the amount of {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I checked my three credit reports from annualcreditreport.com, on XX/XX/202XXXX XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with XXXX and XXXX and not with Equifax. I'm requesting that this inaccuracy be deleted from XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Immediate Deletion of Inaccurate XXXX XXXX  Account from my TransUnion Credit Report ( In Response to CFPB Complaints XXXX and XXXX ) : I am writing to address the ongoing issue regarding the inaccurate reporting of a XXXX XXXX  account on my TransUnion credit report, in direct response to CFPB Complaints XXXX and XXXX. Despite multiple attempts to rectify this discrepancy, it is evident that a thorough and proper investigation has not been conducted by TransUnion. 
The discrepancies between the account number on my credit report and the original account number from my loan contract, as well as the mismatch in the loan opening dates, clearly indicate that the reported information is inaccurate. I have provided copies of my original loan document as evidence to support my claim. 
TransUnion 's responses to my complaints have been inadequate, and it is apparent that the investigation conducted did not address the key points raised in my dispute. This lack of attention to detail is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Furthermore, I would like to highlight that the Payment History for this account does not show any late payments. Despite this, the account is being reported as 30 days late, which is inaccurate and misleading. An account can not be reported as 30 days late with no derogatory payment history associated with it.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of Section 611 : Failure to conduct a reasonable investigation of disputed information.

2. Violation of Section 623 : Failure to ensure maximum possible accuracy of consumer information.

Violations of the Truth in Lending Act ( TILA ) : 1. Violation of Disclosure Requirements : Inaccurate reporting of loan details and failure to review supporting documentation.

2. Violation of Reporting Requirements : Failure to verify the accuracy of account information and neglecting supporting documentation provided by the consumer.

I demand that TransUnion take immediate action to delete the erroneous XXXX XXXX account from my credit report. These violations of both the FCRA and TILA warrant the urgent removal of this inaccurate information to ensure the integrity of my credit profile.

If TransUnion fails to comply with this request and continues to violate my rights under the FCRA and TILA, I will have no choice but to seek legal action against TransUnion for these violations.

I urge TransUnion to prioritize this matter and take the necessary steps to rectify the inaccuracies promptly. I look forward to receiving confirmation of the deletion of the erroneous account from my credit report.
Product: Credit reporting or other personal consumer reports

My rights under the Fair Credit Reporting Act ( FCRA ) have been infringed, and I am seeking immediate rectification. 

I have previously contacted Experian regarding a debt that appears on my credit report. As a consumer, I am entitled to request and receive verification of any debt reported to the credit bureaus. Specifically, I requested proof or records of the debt, including original documents with wet signatures, to verify the legitimacy and accuracy of the reported debt. 

The accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my request, Experian has failed to provide the necessary documentation with wet signatures. This omission is a direct violation of the FCRA, which mandates that credit reporting agencies ensure the accuracy and completeness of the information they report. By not furnishing the requested proof, Experian has compromised the integrity of my credit report and my ability to dispute inaccurate or incomplete information.

The relevant sections of the FCRA that pertain to my complaint include : 1. Section 609 ( a ) ( 1 ) - Disclosures to Consumers : This section grants consumers the right to request all information in their credit file, including the sources of this information.

2. Section 611 ( a ) ( 1 ) - Procedure in Case of Disputed Accuracy : This section outlines the procedures for reinvestigating disputed information and mandates that credit reporting agencies provide verified and accurate information upon request.

3. Section 623 ( a ) ( 3 ) - Responsibilities of Furnishers of Information : This section requires that the entities reporting information to credit bureaus must ensure the accuracy and completeness of this information.

By not providing the requested proof of the debt with wet signatures, Experian is in violation of these provisions. This failure hinders my ability to validate and potentially dispute the debt, which is a fundamental right provided to consumers under the FCRA.

I demand that Experian : 1. Immediately provide the requested documentation, including original records with wet signatures, to substantiate the debt reported on my credit file.

2. Conduct a thorough investigation into the accuracy of the reported debt.

3. Update my credit file to reflect the results of this investigation and remove any unverified or inaccurate information.

If Experian fails to comply with these demands, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies for this violation of my consumer rights. 

I trust that Experian will address this matter with the urgency and seriousness it deserves. Please confirm receipt of this letter and provide a response within 30 days, as stipulated by the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to 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 in Zellel failed to investigate my claims adequately., they informed me that recovering lost funds was impossible and that would be tracking these transactions was unfeasible. The CFPB '' XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and rises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to report Equifax affect Millions for falsely reporting score through a data breach.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because of i was a victim of the XXXX data breach. I want these Items deleted from credit report effective immediately. I am aataching proof that XXXX has admitted that I was in fact a victim. Please see on the credit report attacthed what I am speaking of on my Experian credit report it has 72 addresses and 10 different variations of my name. This is totally out of line and defamations of charater as well as a violation of my rights I want my name and address it listed on my proof provided
Product: Checking or savings account

Last XX/XX/2020 I walked into SunTrust to withdraw money from my account and was able to without any isaue.Shortly after I left the bank they froze my account and then a month later only sent me my opening deposit which was {$250.00}. They still have {$5900.00} that they haven't returned. It was a loan from the SBA given to myself under my name and home address which is the same on my driver 's license. They sent me a letter claiming it was closed to fraud? I have the loan documents that show the loan given to me and I opened the bank account in person. My loan is now going to be due for repayment. I need the reminder of my funds.
Product: Debt collection

Company offered to release from debt in their key swap program. The key swap program allowed renter to be released from debt owed as well as any further debt if keys were returned in 7 days and surrendered apartment. They key was surrendered and they did not hold up their portion of the agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX account is reporting incorrectly. This is an ongoing and continuous violation of the Fair Credit Reporting Act. This situation is causing me undue stress and is a defamation of my character.
Product: Credit reporting

On XXXX XXXX, 2016 I was notified via a credit monitoring website that a new collection account was listed on my credit report XXXX XXXX XXXX XXXX " XXXX '' ). On XXXX XXXX, 2016 I paid the balance in full with the understanding that it would be completely removed ( not just marked as " paid-in-full '' ) from all of my credit reports. On XXXX XXXX, 2016 XXXX received notice that all notifications regarding the deletion of the accounts were received by all of the credit reporting agencies. At this point XXXX had never reported the collection account. The account was removed from XXXX ( which was the only agency reporting such account ) on XXXX XXXX, 2016. On XXXX XXXX, 2016, after having received a notice to remove the account from XXXX and having ample time to do so, Transunion added the collection account to my credit report. The account with XXXX has never been reported with Transunion, so even after notice to remove the account from the credit report, no action should have been taken by Transunion. Instead of following XXXX 's instructions, Transunion has done the opposite, by adding the should-be deleted account, which has dropped my credit score by XXXX points. I am in the middle of being approved for a loan which I fear will be denied due to the erroneous actions by Transunion. I spoke with " XXXX '' at Transunion who informed me the only thing they can do is dispute the account which could take 30 days to receive an answer. I informed him that I 'm not disputing the account, but I 'm disputing Transunion 's actions, as they are the ones who made the mistake and have already received notice from XXXX two and a half weeks before even adding the account to my credit report. Please contact Transunion as soon as possible to tell them to delete the account to prevent my loan denial due to the fault of Transunion.
Product: Credit card

They charged an interest fee claiming that my payment was received on XX/XX/XXXX and not on XX/XX/XXXX. In an initial call they would not reverse the charge. I verified with my bank that they had in fact receieved my payment on XX/XX/XXXX. In a subsequent call they did reverse the charges but suggested that I pay earlier than the due date. They have done the same thing in the past. They good news for me is that I had already made the " minimum Payment '' so was not subject to a late fee. I believe that this is a patern of behavior intended to collect fees and charges
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, and a personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Ive tried disputing all items on my credit reports ive sent letters since XXXX to they've sent back letters saying iv'e been verified however I need these items removed. Ive asked for debt vallidation original contracts pay histories and dates from these agencies and gotten no response! per usc1681i 15 usc code 1681S-2 15 usc 1692g
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. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. 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 Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

This was the transcript of the call  : _This  is  XXXX   XXXX   from Weiss   XXXX   XXXX   XXXX  for  XXXX   XXXX   arbitration o f us location we have been trying to get in contact with _you several times this is I 'm reference to a complaint that was filed of our firm against your name and social it 's in reference for  XXXX   XXXX  accoun t transaction o n that account with closed account or no known name or did I do need a return  call _ get the co mplaint resolved office number is  XXXX  extension  XXXX  __ for my available request suspension  XXXX  thank you This  XXXX   XXXX  account has been closed for  5-6 y ears now and it was only in my husbands name not mine. Called from  (   XXXX   )   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and XXXX XXXX is the bank loan holder. But, when I printed my TransUnion Credit Report No. XXXX I had to dispute a record under regular inquiries for XXXX XXXX dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank XXXX XXXX. They both said they didn't do it, then TransUnion instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in TransUnion Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

The credit bureausXXXX, Experian, and XXXXhave violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under 15 U.S.C. 6801 ( b ) of the GLBA, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures.

These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.
Product: Debt collection

American Coradius International LLC ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to XXXX ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my XXXX account and have also called to confirm with XXXX that I don't have any debt previously or currently. I don't have a XXXX credit card and I only use XXXX to make payments using my bank debit. I have no balance that I owe to any creditor through XXXX.
Product: Credit reporting or other personal consumer reports

My account with the company and i 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 USC 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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