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

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has unfairly decreased my credit score by XXXX points on XX/XX/2022. After carefully reviewing my Experian credit report and all notifications, I did not see any changes on my report that would justify this decreased. Please investigate this adverse action taken by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not having any business dealings with this company I asked them to remove several times. They were force to be removed from my XXXX file but it is still showing up on XXXX and XXXX
Product: Credit card or prepaid card

Monarch Recovery Management, INC. has failed and refused to issue XXXX XXXX XXXX XXXX a Statement of Account showing a {$0.00} balance.
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 involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : XXXX CARD XXXX XXXX  CARD XXXX XXXX  CARD XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit card

I did a balance transfer with Chase and I made a purchase which I paid In full before the billing statement. They charged me purchase interest fee and now they tell me that I need to pay the balance in full to avoid any future interest.if that 's the case what 's was that whole sham of 0 % apr.
Product: Checking or savings account

I had traveled to a few states for vacations. On Sunday XX/XX/XXXX I received multiple charges on my Well Fargo account, {$650.00} was taken out of my account, and Wells Fargo was reporting fraud detection to my emails. The transaction was to someone I did not know and seemed like a fake name. I called the customer number XXXX as this was all happening, they sent me to Freud line, I told them what was happening, and I did not authorize these transactions. Wells Fargo said they will cancel those transactions, turn off my account, and changed password. XX/XX/XXXX I notice the chargers were still pending so I called again. Well Fargo customer service turned off my XXXX, new username, got another new account, and they sent me a new card. I was told the transaction is posted as pending but it will not go through. On Wednesday XX/XX/XXXX, the transaction went through so I called again and they put in a claim. 
XX/XX/XXXX Wells Fargo send an email and letter in the main to me of the claim number saying an error did occur. On XX/XX/XXXX, I called again about the transaction so since they went through, Wells Fargo just helped me change my username and and password again. In XXXX, I received my claim was denied, was still missing the money, and never returned to my account. After a few months, I gather all my evidence that these transactions were fraud, how much I called to cancel, and these transactions were not approved by me. In XX/XX/XXXX I went to my local Wells Fargo bank, talked with a banker about this situation, he said hell put in another claim, and I should get all my money back. I received another letter saying the investigation is over and I was denied again. Looking at the email of the banker is now unavailable. Later that year in XXXX none of my payments were going through when I had money in my account. On XX/XX/XXXX I receive email from Wells Fargo discussing the closure of my account. I got a letter in the mail that showed suspicious activity towards my account and closed my account completely. On the bottom of the email says If you did not send this money, or if you have questions, call Wells Fargo Online Customer Service at XXXX, XXXX hours a day, 7 days a week but yet I called every single day and did not receive the rest of my money.
Product: Debt collection

I 've received several phone calls from XXXX XXXX of ERG collection threatening me to make arrangements to pay for a loanfrom 2010. I 've asked for proof but they will only send me proof if I agree to make payment arrangements. Since I 'm entitled to the information, I 've refused to make arrangements until I get the information, they 've repeatedly called my job, leaving her XXXX number. It 's very disruptive and unprofessional. I 've asked to stop calling the job but they wo n't.
Product: Prepaid card

On XX/XX/XXXX I initiated " a direct deposit funds transfer to checking/savings '' for the amount of {$4900.00} from my Bank of America Prepaid Online account to my Bank of America checking account ( not prepaid ). After I confirmed the transfer the money was immediately taken out of my account, I never received the transfer to my bank of America checking account. I didn't notice immediately, the first time I submitted a claim was XX/XX/XXXX. It's an ACH transfer and submitting the claim was different compared to disputing a debit card purchase, I was first told to wait a week or two ; but the claim was open for over six months before they denied it for the first time. Throughout those six months I called once a week and spoke with a new agent, and specialist every time. ( One of them told me I was definitely going to get my money back because this was an obvious glitch in their system ) after about a year I let it go. End of XXXX they start sending me emails to submit a claim once a month, I believe I submitted one or two claims in the year of XXXX. XX/XX/XXXX I received an email saying they denied my claim, but I never reopened it to be denied. I received letters by mail saying the same thing, so I call them and reopen the claim, this time I send them bank statements showing I never received the deposit in the destination account. ( I used this account multiple times after to do the same type of transaction and NEVER had a problem ) They still denied my claim. They will not give me a reason why.
Product: Credit card or prepaid card

PNC Bank visa card had a promotion which I selected -- 10 % cashback at XXXX XXXX restaurant. On XX/XX/2018, I went to XXXX XXXX and spent {$100.00}. The charge appeared on my statement but PNC will not give me my 10 % back because XXXX XXXX the payment as XXXX XXXX XXXX, which is the location of the XXXX XXXX. Nowhere in the promotional material viewed by the consumer does it state that the promotion was location specific nor is it possible for the consumer to know prior to the purchase how XXXX XXXX titles their restaurants credit card payment. PNC states since it does not say " XXXX XXXX '' I don't get the cash back.
Product: Student loan

Edfinancial promises a .25 % interest rate reduction when enrolled in XXXX. I have been enrolled in XXXX for a year, since XX/XX/year>, and I have yet to see this reduction despite calling and emailing them several times. When calling or emailing, I get the response that they are aware of the issue and that I need to wait for it to be fixed, but there is no timeframe associated with it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$860.00} XXXX XXXXXXXX Balance {$200.00} Inquiries : XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the charged-off account associated with the above-referenced account number. I understand the account has been charged off, and I am reaching out to discuss the possibility of settling the outstanding balance. 

Due to [ explain any financial hardship or challenges you've faced ], I am currently unable to pay the full amount owed. However, I am eager to resolve this matter and am proposing a settlement. 

I am offering to settle the account by paying [ percentage or specific amount, e.g., 50 % of the total balance ] as a full and final payment. Upon receipt of the agreed-upon amount, I request that you update the account status on my credit report to " Paid '' or " Settled. '' I believe this proposal is fair and mutually beneficial. It would allow me to resolve the debt while providing your agency with a reasonable payment. Please find enclosed [ if applicable, include any
supporting documents or a cashier 's check for the agreed-upon amount ]. I kindly request that you send me written confirmation of our settlement agreement, including the updated account status on my credit report, within [ specify a reasonable timeframe, typically XXXX business days ] of receiving the payment. 

This settlement is not an acknowledgment of liability for the debt, and I am making this payment to expedite the resolution of the matter.

If you find this proposal acceptable, please provide a written confirmation of our agreement, and I will promptly submit the agreed-upon payment. 

Thank you for your attention to this matter. I believe that reaching a settlement is in the best interest of both parties and will help bring this issue to a satisfactory conclusion. 

Sincerely, XXXX XXXX Note : Before sending such a letter, it's advisable to consult with a financial advisor or legal professional to ensure the terms are appropriate for your situation and comply with applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT THIS IS A NEW COMPLAINT Experian has not responded to my latest dispute in which they requested for me to send in proof of my identity which I sent a second time as my identity documents were provided with my dispute. Experian is disregarding federal laws when they fail to investigate items on my credit report that are inaccurate. In addition, Experian has not provided me with any updates on my disputes this is an ongoing issue and each time this happens I will file a new complaint for each separate incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SUBMITTED MY POLICE REPORT PLEASE REMOVE THE ITEMS. i CALLED CUSTOMER SERVICE AND THEY SAID IT TAKES 48 HRS. ITS BEEN MONTHS ... 

MY ID A BILL MY SOCIAL
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you must eliminate any incorrect accounts from my credit report. Kindly review the documents. Some accounts listed have reporting mistakes, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquiries : XXXX XX/XX/year>, XXXX XX/XX/year>
Product: Bank account or service

I never signed up for an opt in program. I got over drafted by XXXX dollars and once that hit wellsfargo took all my prior charges and ran them back to back running my charges up to XXXX dollars. I called and explain only to have XXXX ( who could care less what happened ) told me pretty much that he could allow me to keep XXXX dollars of my money ( gee thanks ) or I could decline it and pay all the charges. I will take my money out by the end of this week and change both of my direct deposits. Wellsfargo has XXXX me do the last time. I have been with them since 2009. I will scream redemption when they get what 's coming to them for XXXX the XXXX class.
Product: Credit reporting or other personal consumer reports

I have reviewed Account Number XXXX, managed by XXXX XXXX  on my Consumer Report with Experian. My findings have determined that there are definitive violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ). These violations are as follows : 1. **Inaccurate Date of Account Opening ( Definite Violation of FCRA 1681s-2 ( a ) ) : ** The account opening date is listed as XX/XX/XXXX. This is factually incorrect, violating FCRA 1681s-2 ( a ), which requires furnishers of information to report accurate data. Inaccurate opening dates directly affect credit scoring and the duration of the account 's appearance on the credit report. 

2. **Missing Original Balance ( Clear Violation of FCRA 1681s-2 ( a ) ) : ** The report fails to display the 'Original balance '. This omission contravenes FCRA 1681s-2 ( a ), which mandates the reporting of complete and accurate information. The absence of such crucial data misrepresents the debt 's nature and extent. 

3. **Unlawful Debt Re-aging ( Violation of FCRA 1681c ) : ** The 'Date opened ' and the record until XX/XX/XXXX suggest an illegal re-aging of the debt. This practice, which alters the date to make the debt appear newer, breaches FCRA 1681c that governs the permissible reporting periods for negative information.

4. **Misleading Payment History ( Violation of FCRA 1681e ( b ) ) : ** The payment history, marked inconsistently with 'C ' ( Collection ) and 'ND ' ( No Data ), is misleading. This violates FCRA 1681e ( b ), requiring credit reporting agencies to maintain accurate and clear information. Such irregularities in reporting can lead to misinterpretation of the account status. 

These factual violations not only infringe on the FCRA 's guidelines for accurate and fair reporting but also misrepresent the consumer 's financial standing. The consumer is entitled to dispute these inaccuracies, demanding an immediate investigation and rectification, including the correction or removal of any incorrect information. Persisting inaccuracies, despite these disputes, could lead to legal repercussions against the responsible reporting entities.
Product: Credit reporting or other personal consumer reports

Discover Student Loans has not updated my account to refelect a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some sober living houses to help the XXXX  and reduce the overcrowding in jail by providing training in other opportunities for people to be able to maintain permanent housing I need to stop in my goals and plans please address this issue immediately
Product: Debt collection

Re : FCRA 623 ( a ) ( 7 ) Responsibilities of furnishers of information to consumer agencies ( a ) Duty of furnishers to provide accurate information.

I have a collection on my report that should have not been placed according to Fair Credit Reporting Act 603 ( P ) which is new information I am submitting that states if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( P ) furnishes negative information to such agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information in writing before or no longer than 30 days after putting this information on my credit report. 
I received ABSOLUTELY NOTHING!! 
This account appears as XXXX XXXX XXXX. I demand this item be deleted because XXXX XXXX actions clearly breaks these statutes. 
The alledged original creditor and the collection agency XXXX XXXX never contacted me that this debt was sold and this collection agency clearly breaks these statutes and I demand the account be deleted immediatel from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX in XXXX of 2022. This has caused my XXXX XXXX to drop and my interest rate to raise on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. 
1. I received an email notice from XXXX XXXX XXXX on XX/XX/2022, and it said, " It looks like someone viewed your credit report. '' I called to the XXXX XXXX XXXX, and they asked me if I have applied increase my credit limit and applied a XXXX Credit Card? Both two applied I didn't ask. 
XXXX. XX/XX/2022 I got a text said, " Your XXXX IRA verification code is : XXXX '', and then I got another text said, " Thanks for joining XXXX IRA Account & Market Alerts. Up to 4 msgs/day. Rely Help for help, Stop to end. Msg & Data Rates May Apply ''. I also got an email that asked me to confirm my email address. 
XXXX. XX/XX/2022 I got a mail from Discover said they are not able to provide me an offer due to Recently opened bank revolving trades. 

I didn't ask for increase my credit limit and apply a XXXX Credit Card. 
I didn't open any XXXX account. I didn't have IRA account. 
I didn't ask Discover any offer. 
I didn't open any bank revolving trades.
Product: Credit reporting or other personal consumer reports

Hi. The inquiries that include XXXX XXXX XXXX and XXXX  XXXX  are unrecognized hard inquiries that dated back months ago in which I have not seen until now. I am unsure as to who is using my identity to acquire credit information or loans, however these are not inquiries that I have made. XXXX has inaccurately reported false information in regards to my credit report and has requested for sensitive information that had put my information severely at risk and so I request that this solution be resolved urgently as this has been ongoing for months and that my credit report must accurately reflect my real credit activity. Thank you.
Product: Credit reporting

I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX Which is the number for comenity bank, if you have missed a payment, they will call four times a day every single day which exceeds the 7 times in 7 day limit.