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

Spoke with both Experian and XXXX XXXXl XX/XX/20 after receiving a letter from XXXX XXXX explaining they could not find my account. Spoke with both parties who told me that 1 ) Experian would not correct my credit reporting unless XXXX XXXX let them. 2 ) Spoke with XXXX XXXX   after they mailed me a letter saying we can find your account. 

I explained to XXXX XXXX what was on my credit report, how long this has been going on for and I was willing to settle this with XXXX XXXX and they said, NO. 

They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why Experian is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which XXXX XXXX comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. 

The account they have for me is under XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I DONT RECOGNIZE THESE INQUIRIES 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 those accounts 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 XXXX XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

I do not recognize any of these hard inquiries on my XXXX XXXX in my Equifax report I would like to remove since they were not authorized by me. I have included a police report to these agencies to report identity theft, and they still are not helping me. I need these remove. These were not me doing these hard inquiries please and thank you. I want these inquiries deleted since I did not authorize these companies to run my credit which is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Acct. Name Acct. XXXX 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Product: Mortgage

Wells Fargo foreclosed on my home in XXXX and had me evicted My house is XXXX pa on XXXX XXXX XXXXXXXX XXXX. In XXXX I called the XXXX sheriff Department and was told on the phone that there was no recording of a foreclosure or eviction I would like to know if Wells Fargo have any record of the eviction or foreclosure from the XXXX sheriffs department or if they could contact the XXXX courts to get me documentation.
Product: Debt collection

I recently filed a complaint against Midland Funding and since they responded to the complaint with their normal copy and paste response they have increased the amount they are trying to collect by almost 50 %. Last week their website and my credit report showed a balance of {$660.00}. Since I filed a complaint they removed balance information from their website ( screenshot provided ) and later disabled my ability to view my balance. They also updated my credit report showing a past due amount of {$960.00}. I have attached a screenshot of this also. They added {$300.00} to the balance in one day. In their response to my previous complaint they told me to contact a law firm and appear to be adding on additional charges. Something needs to be done about the tactics this company uses.
Product: Debt collection

Within the past 15 days, a debt from XXXX XXXX XXXX XXXX has appeared on my credit report. This debt is not mine, and I have never had any account with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX at any point in my adult life. 

The collection agency listed is Sunrise Credit Services XXXX, NY XXXX, ( XXXX ) XXXX and they have reported that I have been in collections since XX/XX/scrub> 2024. However, this account only recently appeared on my credit report. I have never received any prior communication from XXXX XXXX XXXX XXXX or Sunrise Credit Services regarding this debt. 

I took the initiative to contact Sunrise Credit Services directly, but they failed to provide any documentation or proof of the debt. Their only response was that XXXX XXXX XXXX XXXX claims it belongs to me. Rather than assist with verification, they attempted to pressure me into a settlement agreement for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX years old ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of First Delinquency : XXXX, XXXX Last Reported : XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2013 and the balance of {$30000.00}.
Product: Checking or savings account

There have been some withdrawals from my account from XXXXXXXX XXXX in different amounts on different days, that were not authorized by me. The total amount is {$2800.00}. I have asked Bank of America to have the camera footage pulled to view for evidence that it wasn't me. But they keep saying that the charges were authorized by me or made by someone who has permission to use the card or account. Which is not true at all. Someone stole my information and took money from my account. Nothing was ever authorized. They claim my card was used. My card had to have been duplicated and my pin number was stolen. 
The claim number for this complaint is XXXX, with Bank of America
Product: Credit reporting

Case number : XXXX - Your response was unacceptable, not to mention asinine! What do you mean not specific enough. Let 's review this again. 
1. ) Experian has a phone number on their website to call they advertise you can get to a live agent ; but, you can not. False advertising - specific enough? 
2. ) XXXX of the security questions from their public record IS WRONG! The make and model of my first car. XXXX ; t you think I would know the answer to that? They have it wrong, whatever it is and it needs to be changed! - Again - specific enough? Now, please refer back to my original escalation ( XXXX number : XXXX ), reopen it and forward to Experian and hold them accountable.
Product: Credit reporting

I have no knowledge of said debt and request that it be removed immediately as it was reporting to all XXXX credit bureaus and negatively affecting me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 claimed adequately. They informed me that recovery lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect 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 consumer safety.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect 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 consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested documentation verifying said account XXXX XXXX. Your company has repeatedly denied my requests for verification of the thorough investigation completed by your company. In doing so, your company is violating my consumer rights, damging my credit and defaming me under section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). During verbal and written communication with you company 's representatives, they stated accounts were verified and investigated electronically by a particular system publicly known as XXXX. Any Automated Consumer Dispute Verification is not fair or a thorough investigation of disputed inaccuracies. This will be my final request and warning to thoroughly investigate, correct, and provide legal documentation of investigation results within 30 days.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified without XXXX or any Automated Consumer Dispute Verification software and deleted immediately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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

XXXX XXXX credit card said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX credit card said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Credit card or prepaid card

On XX/XX/2018, I applied for a Lowe 's credit card in order to take advantage of the finance option the store offered so that I may remodel my home bathrooms. However, during the application process for XXXX XXXX, a key code was provided. The store associate contacted XXXX XXXX and the associate whom we interacted with advised my application had timed out on their end and that I should reapply and the application would be overridden. The application was processed literally a minute or two before the call. Again, I reapplied as instructed, but the application declined. We proceeded to contact XXXX XXXX to inquire and were told the application was declined. I personally contacted XXXX XXXX as the receipt from Lowe 's stated my application was submitted for further review. After nearly over an hour on the phone, I was told my various associates and Contact Center supervisors that my application is at the " main office '' pending further review and that I would hear back from them in 10 to 30 days. I am unable to initiate my project because I don't have a decision from XXXX XXXX and fearing having to use an alternate payment method after being approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  and Equifax an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called XXXX  on XXXX and spoke with the Manager by the name of XXXX XXXX ( if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am filing this formal complaint against PayPal , Inc. ( operating as XXXX ) due to their unlawful withholding of my funds, failure to provide clear communication, and refusal to comply with their own stated policies. 

Background : On XX/XX/year>, XXXX suspended my account citing unusual activity and required me to verify my identity. At the time of suspension, my XXXX account held approximately {$8000.00} in cash and {$3000.00} in cryptocurrency. 

I immediately complied with XXXX requests by submitting the required government-issued identification and answering their compliance teams questions. According to XXXX own policies, they commit to reviewing and responding to account verification requests within 7 business days and compliance inquiries within 5 business days. However, despite my full cooperation, XXXX has failed to resolve my case in a timely or transparent manner. 

Venmos Inconsistent and Unfair Handling of My Case : XXXX falsely claims they notified me of my account termination. 
- In their response, XXXX states that they reviewed my account on XX/XX/year>, and determined they would no longer offer services to me. 
- However, I never received any such notification from XXXX. ' - I only became aware of this decision after filing a previous complaint and following up multiple times with customer support. This violates XXXX own policy requiring clear communication of account restrictions. 

XXXX. XXXX has exceeded its stated review timeframes and ignored my inquiries. 
- I responded immediately to their compliance team on XX/XX/year>. 
- Per XXXX User Agreement, they were required to review and respond to my account status within 7 business days or 5 business days for compliance inquiries.

- Despite multiple follow-ups via email and customer support calls, I received no meaningful response from XXXX. 

3. XXXX is unfairly withholding my funds despite closing my account. 
- XXXX claims their policies allow them to hold my balance for 180 days to protect against liability. 
- However, there is no valid reason for this hold : a. My funds are legitimate, originating from the sale of cryptocurrency that was legally purchased and held in my XXXX account. 
b. There are no disputes, chargebacks, or fraudulent claims against my account. 
c. I have complied with all verification requests, yet XXXX continues to block access to my funds. 
- If XXXX has already decided to permanently close my account, they have no reason to continue holding my money. Their own User Agreement does not permit holding funds indefinitely without cause. 

XXXX. XXXX has failed to provide a clear path for appeal or fund withdrawal. 
- In their response, XXXX suggests I can appeal their decision, yet they have ignored my repeated attempts to understand what additional information they need. 
- Their refusal to communicate creates an unfair and misleading process, depriving me of my right to access my own money.
Product: Credit reporting or other personal consumer reports

I am not connected to this inquiry. Kindly take them off my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the credit bureau and credit card company ( Citi Bank ) regarding a fraudulent account that is being reported to my credit file. However, neither one of the companies have taken the proper steps according to the FTC statue with removing the account from my credit file.
Product: Credit card or prepaid card

I was XXXX in a XXXX suferring with XXXX for first payment i spoke with a live custmer service rep who stated they could not remove the payment status athough thr entire country should not be reporting late payments due to COVID, This one item have dropped my score 50 plus points and i am unable to obtain housing.