23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My wallet and phone went missing and all my information like bank cards social security card insurance cards and drivers license were in my wallet. I did some research to find out that someone has stolen my identity and committed fraud to my account and credit. I believe I am a victim of identity theft and fraud due to the unauthorized activity done to my credit and Banks I bank with. Someone caused my bank of America account to be closed due to the unauthorized and fraudulent activity that was done to my bank account. They recently sent me paperwork stating that XXXX of my recent telephone numbers was XXXX I never had that telephone before. Whoever they talked to and authorized the transaction should of never been authorized and was unauthorized I did not authorize any transaction including XXXX dollars from Bank of America.
Product: Credit reporting or other personal consumer reports

Experian is giving lenders XXXX different scores internally. This is a major violation how is it I see a XXXX and they get a XXXX? XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  which I never sent anything to sent me the attached today. I am including the score I see either way they both are incorrect and the phone number is on their site to call them because you can not dispute credit pulls online why? 

Experian Also has only one report for a dispute and I have been sending disputes in since XX/XX/XXXX and they have nothing including attachments. Nobody answers phones there, it is only a bot that sends you in circles for hours and hangs up. All my pulls from Experian are frauds that I have reported they have NO RECORDS of them and when I inquired about why XXXX scores they told me " Call a Licensed Credit Advisor they will address your problem we get our numbers from them and we do not know why they tell us the numbers they do. '' So they don't know why and can not change scores or why they are the way they are and lost all these documents for 6 months I have been sending them? 

I need a loan and can not get one I have been trying since XXXX in improve my score so I can get a loan, but i don ; t need a report to tell me that my score needs to be higher and I can not get any credit because my score is too low so my only hope is to get these violations removed to get my score up again and then get a card and a loan, but un 6 months I have not sse them fix one thing and this is XXXX  up my life and it is their reports my credit was fine. 

they want another 60 days which is 6 months and they have done nothing and the one that was supposed to be gone in XXXX. Experian the XXXX number sent me to the first human I could ever talk to at Experian who said they cant do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 




Inaccurate reporting, should not be reporting according to 15 USC1681e ( b ).
Product: Debt collection

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC XXXX report. Since it is a requirement by law XXXX5b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

im writing to formally express 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

I am daily receiving phone calls from Portfolio Recovery. No messages are ever left. When I block their number they call back from a different number from a different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the sales rep from Lexington Law called me back in XX/XX/2020 to offer services related to Credit repair. I have problems with spoken English and understanding it. I explained it to them but they convinced me to go ahead and try their services and that language is not a problem. So I went ahead with them for 1 months to start with. The plan was to try the service and based on results go ahead or drop it. With limited understanding of what they were selling, I never fully understood what they were upto. Lexington Law continued to deduct monthly amount XXXX from XX/XX/2020 till XX/XX/2020, They never called me to explain what was going on. Later, while checking my account in XXXX I found out that they didn't stop charging me, after one month of deduction. I cancelled the service in XX/XX/2020 and asked for refund for 4 months out of 5 which they had deducted. There has been no progress so far. I called them plenty of times but they don't act. They promise to call back within 48 hours but no one calls back or follows up. There has been no benefit in my credit improvement but they have charged XXXX USD.
Product: Credit card or prepaid card

A few weeks back, when I logged into my Citi XXXX points center ( XXXX ), I found that the total balance of the XXXX points is less than what I remembered a few months ago. However, after checking the point history, I could not find any point deduction activities listed. That's when I called the Citi bank customer service and asked for an clarification. I have waited a long time on the call and the customer service eventually came back and mentioned to me that XXXX XXXX  points ( which equals to ~ {$1600.00} in travel credits ) were forfeited from my account. However, she couldn't find the reason behind it and asked me to call back in a few business days. I did call again today and wait a long time before the customer service told me that he still does not have an answer, and the original request seems to be closed? I was so frustrated since this is a large chunk of points which I have accumulated over the years. I have been saving it so I can use them when I need it. Since he mentioned if I have closed any accounts in the past few months, I did a deep dive into my online account and found that one of my credit card ( ending in XXXX ) was closed 5 months ago ( XX/XX/2020 )! However, I did not request Citi to close any accounts for some time, and received no communication regarding this closure at all! It was in mid- XXXX and just the beginning of the pandemic. Everything was in chaos and I was moving from XXXX to XXXX during that time, which Citi can check in their system for my address change request. I was curious about the timing when Citi closed my account - is it related to the pandemic? I still have a job and was considered risky? What made me frustrated and being deceived is that there was no communication and the only way I found it today was through the communication center inside my online account. This is totally unacceptable, and should not be the way Citi treats its customer. I have been with Citi for 7 years now and never missed a payment. I had that card for more than 5 years and all the XXXX XXXX  points were accumulated one by one when I was trying to save for my dream vacation! I felt so XXXX  and would like citi to reinstate my account ending in XXXX and restitution of all my XXXX  points. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my TransUnion consumer credit report : Four closed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX / XXXX accounts ) Collections accounts from XXXX XXXX XXXX XXXX XXXX I believe that this information is being reported illegally in violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA defines a " consumer report '' as any written, oral, or other communication of information by a consumer reporting agency ( CRA ) bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
However, the FCRA excludes certain types of information from being considered consumer reports, including : Information solely as to transactions or experiences between the consumer and the person making the report.

The four closed accounts and the collections accounts from XXXX XXXX XXXX XXXX XXXX are all examples of transactions or experiences between me and the businesses that are reporting them. Therefore, this information should not be included in my credit report. 
I request that you remove the inaccurate and incomplete information from my credit report immediately. I also request that you investigate the source of the inaccurate information and take steps to prevent it from happening again. 
Please notify me within 30 days of the actions you have taken to resolve this dispute. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Verify Accuracy of Public Record Information Dear Experian, I am writing to formally dispute the reporting of XXXX bankruptcies on my credit report ( Reference Numbers : XXXX and XXXX ). These public records are inaccurately reported, and your claim that the United States Bankruptcy Court verified the information is demonstrably false.

I contacted the U.S. Bankruptcy Court for the Northern District of Illinois directly, and they confirmed in writing that : They do not report any information to credit bureaus. 
They are not responsible for verifying or validating consumer credit information. 

This letter from the court is attached for your reference. Your continued reliance on inaccurate or unverifiable data from third-party vendors violates your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, your failure to investigate the accuracy of this information and reliance on unverifiable sources is a clear breach of the FCRAs requirement to maintain accurate credit files. 

Not only is the bankruptcy unverifiable, but it is also reported under an incorrect name, further demonstrating the inaccuracy of the information. 
1. My legal name is XXXX XXXX XXXX, as evidenced by my legal documents and identification. The bankruptcy is being reported under the name XXXX XXXX, which is not my legal name. 
2. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information in consumer reports. 
3. The U.S. Bankruptcy Court, as confirmed in writing, does not report information to credit bureaus, making the data unverifiable. 

I demand that you immediately remove these inaccurate public record entries from my credit report. Should you fail to comply, I am prepared to escalate this matter to the CFPB and consider further legal action for FCRA violations. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a account on my credit report was in delinquency, I immediately disputed it because all my bill are paid on time and I shouldnt have any late payments on any accounts. All my bills are on auto payment. I reported this fraud with XXXX county police, the county in which I reside in, I also completed a identity theft affidavit and sent to XXXX  and Experian to have this XXXX account removed, they are still reporting this inaccurate account and its affecting my livelihood.
Product: Credit card

I used my card for incidental charges at a hotel. When I checked out of the hotel, they put through the finalized charges and were paid. However, my card holder is refusing to release the hold on the incidental charges and said they will not do so until 30 days, even though my hotel, I still stayed in, has received their money.
Product: Credit reporting or other personal consumer reports

Pentagon Federal Credit Union has an account that belongs to my ex-spouse and I have NO liability for this account as I am only an Authorized User and I was supposed to be removed as an authorized user. I submitted a dispute with the credit bureaus and Pentagon CU verified it is correct information. As an Authorized User I have the right under the FCRA and Federal Law to be removed as an XXXX and the account deleted off my credit bureaus as I have the right to my own credit and I do NOT wish to be an Authorized User on my Ex-Spouse Pentagon Federal CU card account. This is notice to Pentagon FCU that I want to be removed as an Authorized User from the account or my XXXX XXXX XXXX XXXX XXXX XXXX XXXX will initiate litigation for any harm this has caused my credit and punitive damages for stress. ** I DO NOT WANT TO BE AN AUTHORIZED USER ON MY EX-SPOUSE ACCOUNT NOR AM I LIABLE FOR THIS ACCOUNT. We were divorced in XX/XX/year> in XXXX XXXX, Missouri. Her name is XXXX XXXX. The account listed has a credit limit of {$6300.00}. This needs to be removed immediately or my XXXX  will take action for Pentagon FCU failure to delete this account at my demand and federal rights.
Product: Debt collection

Creditors call multiple times. After regular business hours and on Sundays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to view credit report and credit score from Equifax. Unable to receive EQufax credit report either online or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on Experian and XXXX. I really with this company leave me alone.
Product: Checking or savings account

XX/XX/year> one check my friend issued as we were online friends and she said she was moving from California to XXXX so she want to do groceries so she send me XXXX $ in check and i tried online banking and it didnt worked so i told her and she sent me again another check with same amount but different bank and i went to bank to deposit and they told me to wait as they will verify and after 1-2 week i get to know that my bank account they closed permanently and same amount went in minus and i called bank and they told me now i am not able to open bank account anymore in this bank.
Product: Debt collection

On XX/XX/XXXX, the collection made by SEQUIUM ASSET SOLUTIONS, creditor is XXXX XXXX XXXX  stated that I owed {$4200.00}. I did not use XXXX XXXX nor related with this one. 
I've already contacted XXXX. They didn't provide me any document, only said they will create a fraud ticket for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Student loan

I submitted an application to my lender, Nelnet, to repay my loans according to my income. I submitted all of the proof of income information required with the application, STAPLED to the application. Weeks later Nelnet emailed me requesting all the information that I had already supplied, I am basically homeless, getting check copies and applications printed out was an enormous task in the first place, and to have them ignore the fact that I had ALREADY provided the required information caused me to lose confidence in the process. I had XXXX major surgeries last year, and have never been able to acquire a full time salaried position after graduation in 2007, even though I have a XXXX degree. I was evicted from my home last year after my first XXXX, an XXXX, everything I own is in a storage unit. I am barely surviving in my current circumstances, getting my student loans on a fair payment plan is critical to my future. I do n't have faith in my lender to do right by me, so I have basically given up. I feel as if I am buried in a very deep hole and there is no way to get out.
Product: Credit card

I after application in good faith for the Discover XXXX card with Discover Bank after a XXXX months received notice my account was closed/canceled by the issuer, not myself the account holder. 

If any portion of this application has been securitized as a asset backed note under securities act of 1934, within the Discover Bank and/or any other under XXXX filled XXXX, XXXX XXXX Forms and or other XXXX filings. we demand credit line issued and open ended under the name of applicant. 

we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act XXXX XXXX XXXX 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action. 

For this account ending in XXXX is also reporting to my credit report we at this time in this notice we wish to opt-out all reporting from you Bank to Any of my Credit reports. under the protections of US Code Title 15 - Commerce and Trade XXXX XXXXXXXX - Privacy Subchapter I - Disclosure of Nonpublic Personal Information XXXX XXXXXXXX - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX  Acct # 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 card or prepaid card

I tried to use an external App with Capital One Bank, however, every time they say they 're sending me a security code to verify my account information, I never receive it neither by text or e-mail. It is extremely inconvenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was Fraudulent open in my name and unauthorise charges was made on the account.
Product: Credit reporting or other personal consumer reports

I contact both Experian and XXXX to explain I was going through identity theft and there are hard inquiries that I did not authorize on my account. I explained to them I wanted them removed and what process I had to go through to have them removed. They simply told me I would need the FTC and the cfpb reports before they can move forward with removal of the three heart inquiries. I also stated to them that I had some issues with the IRS due to the identity theft as well to let them know this is not stop just on the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX illegally ran my credit multiple times. I dont know why the Federal government is not doing anything about this.Looks like I have to going the news media next. 
I called XXXX and let them know they ran my Equifax credit three times on multiple days on XXXX different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to four different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against XXXX Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.Why do I need written authorization when I am representing myself.