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

I saw that Kickoff was inn my credit report, and I never signed up for that company, I tried to contact and the company 's phone was disconnected. I tried contacting via email and there limited contact info about them. Even the XXXX has marked the company as a scam. It saying they reported late payments but I have never heard of them or made a payment to the company.
Product: Credit card or prepaid card

I have an American Express Cash Preferred credit card, XXXX XXXX XXXX. On XX/XX/XXXX, I received {$7.00} in rewards from purchases that I made with this card in XXXX. I have {$6.00} in rewards due to me from purchases that I made over a month ago, on XX/XX/XXXX, but the rewards still haven't been posted to my account. When will I receive them? Why do I have to wait over a month???
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 were unfeasible. The CFBPs 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 user safety.
Product: Money transfer, virtual currency, or money service

On XXXX, I conducted a transaction using Cash App. I mistakenly sent {$200.00} to the incorrect recipient whom I do not know. A few hours later I contacted Cash App and I was advised they will not reverse the transaction. The person receiving my money has not returned the money and cash app will not contact them or reverse the transaction. Cash app is allowing it users to steal and also commit wire fraud. The recipient knowingly received funds that do not belong to them. Customer service representatives will not provide an address for their corporate offices or the address where service is accepted by their attorneys/legal team. I was advised by customer service they do not have a mailing address. I would like the transaction reversed and my money returned to me by Cash App which currently has thousands of complaints and are under investigation regarding their policies with number government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became a XXXX XXXX service connected  XXXX veteran. At the time I had good and excellent credit scores with transunion and XXXX. 

a benefit I applied for was an XXXX XXXX charge card. I got the card with. {$5700.00} credit limit. 

My credit scores immediately dropped by 120 points because I got the XXXX XXXX card. I am debt free and had no credit problems before this event. 

Now my credit scores are in the 500s and 600s down from the mid 700s just as I was approved to buy a home by my credit union. Now, my suddenly poor credit will be used against me in every arena all because I got a military charge card that I havent even used. 

So, in essence, XXXX  and Transunion are telling the world Im a poor credit risk suddenly because I got a XXXX charge card. As far as im concerned, this is criminal defamation of my character because I pay all my bills on time, everytime. 

These credit reporting agencies need to be invested for ruining peoples lives and reputations like they did mine. 

Im XXXX years old and dont have time to rebuild their opinion of my fiscal responsibility which is excellent despite their algorithmic opinion of me as an individual and American Military Veteran. 

They have ruined citizens lives numbering in the millions all the while enjoying the fruits of their corruption. 

Shut them down and start a whole new system to determine credit worthiness period!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out three disputes to XXXX, Transunion and XXXX on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX ****XXXX XXXX XXXX ****XXXX XXXX ****XXXX  XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX  {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$830.00} ****XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX overcharged me on a car loan with them in XXXX  when I first started with them. they were reporting last payment on my credit even when I paid them which caused my credit so go down. the loan that was financed was double what the vehicle was for. i reached out to XXXX XXXX to verify the information and was told the information would be sent to me via mail. never received anything. they are still reporting incorrect loan amouth and days paid on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom 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 accounts are still not reporting XXXX XXXX  Accurate. 
And according to the XXXX XXXX XXXXXXXX XXXX everything has to be XXXX XXXX Accurate. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX  I accidently changed {$12.00} to CITI bank Best Buy credit card that I forgot I had. They did not send me a bill. They said I was paperless. This gets past me for XXXX months before I get a call from best buy. By then XXXX {$40.00} late fees have been charge to my account. I told them to cancel my card and I started paying {$10.00} a week towards the card. I asked them to start sending me a paper bill in the mail. I get the Bill XXXX XXXX XXXX and it is for {$180.00}. I called XXXX to complain and I automatically get sent to the closed card helpdesk in XXXX. After several call I was asked to give personal information, I was not comfortable giving. They refuse to help me despite have the full account number my name and the last XXXX digits of my SS # Trans Date Description Reference # Amount XX/XX/XXXX XXXX XXXX XXXX  {$12.00} Payment Information Previous Balance {$89.00} New Balance {$130.00} Payments - {$0.00} Minimum Payment Due {$85.00} Other Credits - {$0.00} Payment Due Date XXXX XXXX XXXX XXXX
Product: Debt collection

violated the method of verification law found in the fair credit reporting act and if provided any documents violated the hippa law
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX/XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything
Product: Debt collection

I, XXXX XXXX, entered into a credit consumer contract with XXXX XXXX XXXX in XX/XX/2018. They have not been responding, nor have they done the proper investigation requested. This has seriously hurt me as a consumer, and has caused a lot of stress. This debt has not been validated. They also shared my private information which is also a violation according to 15 USC 1681a ( d ) 2 ( a ) i.
Product: Credit reporting

I uncovered a BUG ( software error ) in the way Equifax reports the results of a credit inquiry. In my case it was credit inquiry by the XXXX for a student loan. 
The BUG resulted in reporting WRONG information and as a result, my loan request was declined. 
The facts of the matter in this complaint were verified by conversations with both sides ( Equifax and the XXXX ). 
Details : When an account is overdue, credit report states it in terms of days ( XXXX, XXXX, etc ). this is in their systems and in the consumer report. 
HOWEVER, they automated system sends a summary in a DIFFERENT FORMAT, which is " no more than X months overdue ''. 
In my case, my credit report says XXXX90 days late ( this is correct ), but the XXXX gets " No more than 3 months overdue ''. 
that leaves the possibility that the account is 3 months overdue, so the XXXX system raises a " 90 day delinquency '' flag and the loan is declined on this grounds and generate a decline letter saying " specific reason ( s ) is ( are ) : Presently XXXX or more days delinquent ''. 

Please see attached the decline letter from DoE. I provided my Equifax case # above. 

While Equifax manager by the name of XXXX understood the issue and agreed to send a clarification mail to XXXX with my credit report, he says his system does n't allow him to contract the requester XXXX electronically, only by XXXX mail and this could take up to 30 days ( of course to provide the wrong information it took equifax less then XXXX minute, which was the time it took to XXXX to decline my loan ). 

I contacted the CFPB because this is a systemic issue and I 'm sure many other consumers fell for the same bug Thx for
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a dispute with Citibank regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use.

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user.

He stopped paying the balance back in XXXX after we divorced, and this account is now a negative on my credit report. When I call Citibank, they can not give me any information because Im not an authorized user.

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze?

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as EQUIFAX, XXXX, XXXX  any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.
Product: Credit reporting or other personal consumer reports

Hey Transunion AND XXXX, I was recently checking over my credit report after receiving a response from you. I have the proof showing that I submitted the complaint # XXXX on XX/XX/2023 and received a response from you on XX/XX/2023 that states, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-UPDATED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXXUPDATED Your credit bureaus stated that my account XXXX XXXX and account # XXXX was properly INVESTIGATED but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and the account name is inaccurate. This is grounds for removal they ALSO, violated my rights under 15 U.S.C 1681 Section 602A. States that 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 Also, the credit bureaus took more than 30 days to complete my investigation here is my certified tracking number / cfpb complaint # XXXX According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} ( XXXX ) per violations or all accounts deleted due to violation of my rights or delete all accounts
Product: Credit card

i am still not able to access my online portal. 

Also, i need all Fruad disputes fromAccount Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to be reversed. 

There are no fraudulent transactions. 

XXXX XXXX XXXX XXXX XXXX  are my authorized vendors. 

Please reverse any and all fraud disputes against the merchants. 

I did not request any of these transactions to be disputed.
Product: Debt collection

Debt Collection {$9500.00} paid to XXXX XXXX XXXX File # XXXX XXXX sent XXXX XXXX  cashier 's check via certified mail. 

XXXX Funds were received and check cleared by XXXX XXXX XXXX XXXX Received letter saying check was returned by our bank unpaid. Any arrangements that we may have with you to withhold the next step in the XXXX process were breached by sending us a dishonored check. Unless we receive a replacement payment, ee may proceed with legal action. 

XXXX Letter from Harris & Zide Enclosed cashier 's check ( possible copy ) with multiple dated stamps and handwriting " sif ''. 

XXXX I, XXXX XXXX, contact XXXX XXXX XXXX. They say the funds were in-fact sent to the debt collector XXXX XXXX XXXX and will send my a copy of proof. 

XXXX I, XXXX XXXX, call Law office of HARRIS & ZIDE They decline to be recorded after I grant my permission to them and refuse to talk via telephone. 

Law Office of Harris & Zide, representing XXXX XXXX XXXX, is committing mail fraud and an attempt to receive multiple payments for debt already paid for and deducted from my account a month after receiving payment.
Product: Credit reporting or other personal consumer reports

I wanted to follow up regarding my previous complaint about being a victim of identity theft. I'd like to bring up FCRA Section 605B, which can be found in 15 U.S.C. 1681c-1. This section mandates that Credit Reporting Agencies must eliminate and prohibit the inclusion of any items listed in an identity theft report. I've attached some documents to assist in the process of blocking and removing the inquiries that are appearing on my credit report. Below, you'll see a list of the unauthorized inquiries that have been documented in my credit history : 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 a collection account on my credit report. Ive been trying to get in contact with the creditor to send over a debt validation which they failed to do so I am contacting numerous of agency that associated to this collector and no one can not provide a debt validation and all the required documents under the debt collection act. Therefore they need to remove this from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$350.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous requests to remove all fraud alerts on my report so that I can obtain a loan and so that my reort can be accessed without a hassle. they have failed to remove the fraud alerts and my phone number that they have listed as a contact when the alert prevents a creditor from access is even incorrectly listed and the numbers are mixed up. 
I have submitted the information that they requested to do these things numerous times and it is on their record.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are " Hard Inquiries '' or " Regular Inquiries '' listed on my credit reports that stay on there for 2 years. I have tried calling and/or filing a dispute regarding sd companies. I 've filed the complaint w/XXXX XXXX, XXXX, and Experian and nothing has been done to fix this problem. I 've also tried putting a freeze on my credit reports and noted that none of my information is to be given out without my expressed permission or my wife, XXXX XXXX XXXX ' permission. 

The following companies are listed on my credit reports which I have never initiated, never gave permission for them to review my credit in any manor and do n't know how they did this. My wife did not give permission either and this simply needs to be fixed as soon as possible. The problem continues regardless of what we do. 

The companies are as follows : XXXX XXXX XXXX via XXXX XXXX XXXX, date XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX, dated XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX dated XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX XXXX dated XX/XX/XXXX ; and XXXX XXXX XXXX  XXXX dated XX/XX/XXXX. 

Again, permission was not given to the companies listed above by me or my wife and I just do n't understand how they are getting our/my credit information w/out our expressed permission. 

I have tried calling the companies but am told I have to contact the credit reporting agency about this, the credit agencies in turn do nothing and have no way of filing a completed dispute form just for this issue. I 've called the reporting agencies and I 've filed in writing the problem w/these companies yet the problem continues. 

If you would please tell me what I need to do to get this information removed from my credit report as well as my wife 's and/or if you could please check into this so we can correct our credit reports w/out all the inquiries it would be appreciated. At this point, I/we simply do not know what to do but definitely want to file a complaint against the above listed credit companies as well as the companies looking into our credit w/out any permission from either myself or my wife. I ca n't imagine we are the only people w/this type of problem and a solution must be found to be able to correct any inquiry problems consumers find in their reports. 

Thank you for any and all help you can provide in this matter and I look forward to your response and/or advise in this matter. 

Sincerely, XXXX XXXX