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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I am locked out of my XXXXXXXX XXXX XXXXXXXX XXXX. I have contacted both of these companies with no results or investigation. I DO suspect fraud, as they are addressing me by " XXXX '' and I am not this person. They are putting things on my credit report as well! This is not my name. This is incorrect! I filled out their secure form with my driver 's license and heard nothing back! 

I received the following : Customer Experience XXXX Mon, XX/XX/year>, XXXX to me Hi XXXX XXXX I'm sorry your XXXXXXXX  account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within 48 business hours.

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, Customer Experience XXXX Mon, XX/XX/year>, XXXX to me -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Customer Experience [ XXXX ] Sent : XX/XX/year>, XXXXXXXX XXXX To : XXXX Subject : XXXX XXXX XXXX XXXX I'm sorry your XXXX account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within 48 business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best, XXXX XXXX XXXXXXXX Wed, XX/XX/year>, XXXX to Customer I still do not have access to my account and you have my driver 's license. I will dispute any charges concerning this account, since I'm locked out of it. 

On Mon, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Customer Experience XXXX wrote : Hi XXXX XXXX I'm sorry your XXXX account is locked. I understand its frustrating to not have access to your account. 

Fill out this secure form to request our specialized team to reactivate your account. A representative will get back to you within 48 business hours. 

If you cant access the form, clear the cookies on your browser and select the link again. That should resolve the issue, but let me know if it doesnt. 

Please note, if you already filled out the form, no need to do so again! Our team is looking into your issue and will contact you with more information. 

Best,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Equifax and XXXX is violating my rights I did not give written permission to report this on my credit report Account Name 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. Code 6802 - Obligations with respect to disclosures of personal information ( 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 XXXX  days before the payment due date.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

Transunion did not provide information on the investigation they with XXXX XXXX. Transunion verified the debt withou doing a an investigation. XXXX XXXX did not notify me of debt nor so I owe the debt. Transunion did not investigate it and it's been over 30 days and they can not provide the steps taking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, there were several collection accounts disputed and deleted from my credit report and my debt and credit usage greatly decreased. However, Experian credit bureau investigated but did not update my credit score according to the improvement of my credit file.
Product: Checking or savings account

Bank On XX/XX/2024 at XXXX XXXX, my fianc and I went to the Fifth Third Bank Location in XXXX, Ohio ( XXXX Ohio XXXX ) to deposit {$350.00} into their newer ATM ( branch is less than 3 months old approx ). Upon the door of the machine opening to retrieve my XXXX, XXXX dollar bills and XXXX, XXXX dollar bill ; the machine started violently chomping and came close to getting my hand. The ATM ultimately took my cash and didnt deposit it into the account or show any record of it on my account. I am on camera depositing this money and have the time stamped receipt for proof of deposit and that the ATM did indeed have an issue on their end. Another customer came in while I was in the office of a branch banker the following morning ( XX/XX/2024 ) and had the same exact issues and they turned him away with a paper telling him to call disputes and that there was nothing they could do for him. They attempted to get me to do the same but that {$350.00} was my car payment that has now bounced. And for some reason they have my account NEGATIVE. - {$500000.00}. 
Yes, you read that correctly, a single unemployed mother somehow has a - {$500000.00} balance her bank. I havent worked since XXXX due to health concerns and XXXX  healing time. I didnt have {$350.00} for them to take for 8 business days that they said it would take. Now somehow my account is negative {$500000.00} and I have not been contacted on when this will resolved yet. Its been 3 days and my account is still negative - {$500000.00}. I became quite angry after approximately an hour of going back and forth with staff to resolve the issue so my account doesnt get behind again but made no threats towards anyone in the bank and raised my voice in front of other customers to make them aware of the situation so they dont use the ATM like I did.
Product: Credit card or prepaid card

On XX/XX/2021 called the company to tell them a card was sent to me which I did not apply for. They said to contact you folks. They said someone must have access to my social and birthdate.
Product: Credit card or prepaid card

JP Morgan Chase was not able to help me when I specifically asked to change my payment due date and also reduce the monthly amount since I am unemployed  due to Covid. I was told to call back in a few days by representative named ( XXXX ). He also mentioned to me that all my monthly payments have been made on time so he wasn't sure why the account was sent to the creditor as delinquent account. He suggested to call back to remove the late payment inquiry. I also requested to provide any evidence that shows that invoice/Bill was sent to me. I also mentioned to him that I monitor XXXX regularly and it shows that all the payments have been made on time. 

No resolution at the end of the call.
Product: Money transfer, virtual currency, or money service

Hi. 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 exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On Tues, XX/XX/2019, a debt collector, XXXX, from United Collection Bureau, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

Thank you!
Product: Debt collection

JSZ Financial CO XX/XX/2015 balance showing on credit report : {$2900.00} This is NOT a valid account. I have reached out to this company with no resolution. The original debtor does not exist any longer as a property manager, and can not contact after many different attempts even looking them up via social media streams. I have attempted multiple times to have this company send me written proof of this debt and they can not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at following address XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXXXX/XX/XXXX Account # XXXX, XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XXXX XX/XX/XXXX Account # XXXXXX/XX/XXXX XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XXXX Account # 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 a account without my written instructions
Product: Credit card or prepaid card

I add a difficult time. I was sick with a XXXX XXXX for about 6 months. Because of this, I couldn't pay my bills. I called several to seek. I was not helped. this problem is damaging my life and I impacting my credit eligibility.
Product: Debt collection

On XX/XX/XXXX, Commonwealth Financial Systems of XXXX XXXX Pennsylvania falsely reported to major credit reporting agencies ( XXXX, XXXX, and XXXX ) that I owed a debt of {$1000.00} to a medical practice in XXXX, Illinois in 2013. I have never owed such a debt, I did not live in XXXX Illinois in 2013, I have never visited an emergency room. CFS then reported through the mail that they were attempting to collect the debt. I responded informing them that I do not owe such a debt and that their attempt to collect and falsely report the debt violated the Fair Debt Collection Practices Act. They responded by continuing to falsely claim that I owed the debt ( ignoring the fact that they are referring to me by the wrong name ) and have failed to remove their report to the credit agencies. As a result, my credit score dropped more than 100 points, causing my credit card companies to reduce my available credit and increase my adjustable APR. In addition to this violating the FDCPA, they have caused financial damage by libeling my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to update my person information with Experian. After being told an address that has never belonged to me could not be disputed. I have been blocked from disputing anything with experian online which violates the Fair Credit Reporting Act. The address that do not belong to me or has never belonged to me is XXXX XXXX XXXX XXXX, TN XXXX. I would like this address removed from my credit report. If Experian does not remove this address I would like supporting documentation of reasoning and proof of a verified investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my 5th time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/XXXX and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. For the 5th and final time Please remove the inquiries that I have requested to be removed on XX/XX/XXXX under complaint # XXXX as well as XX/XX/XXXX under complaint # XXXX and XX/XX/XXXX under complaint # XXXX. There are still 2 remaining inquiries that shows as the following on my credit report that has not yet been removed. XXXX XXXX XXXX  and 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. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I purchased Bitcoin through this online exchange-Gemini in XXXX, they offer instant deposit up to {$1000.00} on their platform, I deposited {$990.00} and made a trade back to XX/XX/XXXX, after that I have been waiting to get my account verified from Gemini, during the wait, I have no access to my funds my coins my money. Since XX/XX/XXXX, Ive tried every way to get a hold on them including tons of emails, leave messages on their tweeter account, so far I have got 0 reply, nothing from them. And then I go through all their comments on Gemini tweeter account, I realize not only me having this problem, there are a lot of customers experiencing their funds locked by Gemini as well. Please help!!!!!!!
Product: Student loan

I received a series of letters from the " Document Service Center '' that, if not fraudulent, were extremely misleading. The last letter I received stated that it was a " Final notice, '' listed the accurate principal balance on my loans ( how did they know this? ), and gave the benefits of consolidating my student loans. It gave information about the U.S. Department of Education and listed steps to create my Federal Student Aid ID through the Federal Aid website. In other words, this form appears official. However, I consolidated my loans in 2009 through the federal government and am already on a federal loan repayment plan. Further, the letter gives a phone number to call " to redeem your federal benefits '' ( XXXX ), which I know is not through the federal government. This is a highly misleading letter that is attempting to make money off of my student loan situation, taking me from the federal protections and obligations I currently have to fewer protections and new obligations through a private company. The fine print of the letter does that that " DSC is not affiliated with the government or any of its programs. '' However, I would like to report this because the letter, overall, is extremely misleading in character and may cause individuals in my or similar situations to consolidate their loans with a private company unknowingly.
Product: Consumer Loan

I bought a new Kia vehicle on Sat XX/XX/XXXX. In the following week I set up the info online so that Kia Motors Finance ( KMF ) would be able to automatically draft the monthly payment from my checking account when payment was due. The first payment was due XX/XX/XXXX. However, my action in setting up the automatic draft info prompted their system to actually take a payment for the loan out of my checking account immediately, without my authorization. I contacted them on Mon XX/XX/XXXX to find out how I could get that refunded. I followed the instructions and provided them proof of this the same day. I was told it would take seven business days to process. 

Followed up on XX/XX/XXXX as to status. Was told payment would be mailed on XX/XX/XXXX. 

Followed upon XX/XX/XXXX but got no update status because people who process refunds were unavailable. Operator supposedly emailed them to request status update but never heard any more from them. 

Followed up on XX/XX/XXXX. Told I could have the payment applied to my account since payment would be due XX/XX/XXXX. That would take three days to get processed. 

Followed up on XX/XX/XXXX. After three attempts to reach a supervisor ( first two of which I was hung up on ), I was told the refund check was sent Tue XX/XX/XXXX from Georgia. 

On Fri XX/XX/XXXX I received a call from XXXX with KMF. She told me the check was processed and mailed that day. I confronted her about how this information conflicted with what I was told on XX/XX/XXXX. I gave her an earful about all the lies I had been told throughout this ordeal with no resolution whatsoever. 

I need to get this resolved and have no idea of where else to turn.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX Balance : {$25.00}, XXXX XXXX XXXX  Balance : {$45000.00} XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card

I have been waiting for my credit card for about 3 months and they still haven't given it to me. They do not provide me with my account number so it is very difficult to make payments by phone.