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

XXXX  and Experian are reporting the same account furnish by Dept ED/ XXXX with two different account numbers, there can only be one. The payment history is incorrect and confusing, it shows 90 and 120 day lates following a made payment. Experian is reporting 120 day late for XX/XX/XXXX and XX/XX/XXXX, but XXXX is not. This information must be the same. The payment status field is reporting different. This account has been verified as accurate when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not verify the accuracy of the XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Product: Credit card or prepaid card

I am XXXX XXXXXXXX XXXX and discovered XXXX companies are supposed to waive the annual fee. I have tried to resolve my issues with Chase for nearly a year and keep getting the run around. On XX/XX/2022 I was told by my fellow XXXX XXXX members that XXXX XXXX military member I should not be charged their XXXX annual fee. I showed them my XXXX proof of service, etc. They stated they did not have to give me a refund for the YEARS of charging me the XXXX annual fee when they shouldn't have. I am due nearly XXXX in fees that Chase REFUSES to refund! They keep giving me the run around, transferring me to their " military department '' which doesn't do anything except delay. Obviously, all banks are greedy, but this bank might take the cake. The ONLY correct resolution is refunding me the erroneous charges which they refuse to do. For other XXXX XXXX members, I highly recommend going to XXXX or other companies that actually take care of us and fix our issues.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, EQUIFAX, XXXX ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSIMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. 

A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.

( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I'm bringing this CFPB complaint to your attention in order to draw your attention to the credit reporting agencies ' negligence, stupidity, and indifference. The accounts I have been disputing on my credit report for more than a year now are the product of identity theft. According to FCRA section 605b, credit reporting agencies must erase any account and information no later than XXXX business days following the day they receive the complaint letter. I began writing letters of dispute to the credit bureaus on XX/XX/XXXX, and my last letter, dated XX/XX/XXXX, had all the attachments I needed to prove my identity, including the ID THEFT REPORT I received from the FTC. However, in spite of all of this, the credit bureaus ignored the request and violated the FCRA regulation. The Credit Bureaus have continued to report the disputed things without delivering me copies of the paperwork that bears my signature as proof that the disputed items actually do belong to me. The FCRA section 605b, a federal law, is clearly violated by this activity taken by the credit bureaus and is therefore illegal and punishable by law. I am filing this CFPB complaint to ask the credit reporting agencies to entirely remove the following bogus information from my credit report ; if they refuse, I will have no choice but to take legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$83.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platform. Despite having used Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings suggest that Zelle has not only failed to adequately protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud and scams. ''
Product: Debt collection

Keep getting calls and texts from Customer Care Global. They state I owe approximately {$1500.00} to a company called XXXX XXXX. I haven't applied for a loan nor received funds from this company.
Product: Credit reporting or other personal consumer reports

I have XXXX account with XXXX. A XXXX credit and a XXXX cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. XXXX bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to XXXX and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit. Accounts ending in XXXX. Accounts ending in XXXX and accounts ending in XXXX have all been reduced extremely. I have paid off all my debt that they claim was the reason for the reduction. Please apply my credit to where they were if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and i did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report from Transunion, I was charged for my credit report as well as another product I did not want. Contacting Transunion is extraordinarily difficult, furthermore, if you don't navigate the site and unchecked boxes you will receive a mass amount of marketing material. I am unable to remove my credit card information and their site, in my opinion, is designed to deflect and divert, the most disingenuous item, I paid for my report, their site is loaded with advertisements, I'm paying to look at advertisements and I am unable to download into PDF without the advertisements. Their ratings are deplorable as well as their customer support, they run over people by making it difficult to navigate and ensure you are not being charged additional fees or receiving marketing emails.
Product: Debt collection

I sent a debt validation letter requesting information to validate debt for accounts listed by Medical Revenue Service as : Act # XXXX {$360.00} and Act # XXXX. In return, I received a letter that contained my private medical records/information that is a direct violation of HIPPA privacy regulations ( please see attached documents ). I never signed a HIPPA form authorizing them to have access to this information.Also, there is a remaining account that is now listed on my credit as a derogatory, collection account that does not have an account number attached with it for sum of XXXX from XXXX XXXX I was never contacted about this account from the Medical Revenue Service.Since seeing this new derogatory collections, I have contacted the agency requesting validation of debt information and found they have an old address on file. This new derogatory acct in the sum of XXXX has dropped my score by XXXX points on XXXX. As such, I would need them to delete all information of these balances from their collection agency, remove derogatory collection reporting to the 3 credit bureaus, and cease all contact for the above noted accounts to prevent any further repercussion of accessing health information that I did not consent for them to to have and failure to allow me to validate the debt of XXXX that is now on my credit. *All documentation supporting previous complaint can be accessed from complaint XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Equifax credit report agency , block this information appearing on my credit report that is a result of identity theft within 4 business days of receiving this complaint. The following accounts i do not have knowledge of : Dept of EdXXXX : XX/XX/XXXX - {$2200.00} Dept of EdXXXX XXXX XX/XX/XXXX XXXX {$3400.00} Dept of EdXXXX : XX/XX/XXXX XXXX {$1300.00} Dept of Ed XXXX : XX/XX/XXXX XXXX {$3700.00} Dept of EdXXXX : XX/XX/XXXX - {$7000.00} Dept of Ed/XXXX : XX/XX/XXXX - {$4900.00} Dept of EdXXXX XXXX XX/XX/XXXX - {$7000.00} Dept of EdXXXX XXXX XX/XX/XXXX XXXX {$2400.00} Dept of EdXXXX : XX/XX/XXXX XXXX {$1100.00} Dept of EdXXXX : XX/XX/XXXX - {$2400.00} these accounts have resulted in several hard inquiries and collection accounts and were not authorized by me. I have attached a copy of my FTC complaint as proof that these accounts are a result of identity theft
Product: Checking or savings account

On XX/XX/2023 You bank employee guaranteed me my {$3700.00} check would be available the next day. We asked her very specifically as we could have gone down the street to cash the check..she promised us. I went home to pay every single bill I could imagine. Hours later I got a message Bank of America would be holding my funds for 2 WEEKS! I had to go and get loans out to cover the bills I had paid while trusting the banks word. 

I called the CS line to speak to a manager, they refused me that right and said no one could help me. 

I went to the bank and XXXX the most untrained unapologetic and unintelligent manager did not even let me speak, instead kept yelling at me why I hadn't read out agreement from 15 years ago and that it was my own fault my funds were not available. I cried in their lobby and then decided to ask for the district manager number. This trash of employee gave me a FAKE NUMBER to call and told me to get out of her bank. Not only was she visually hideous, her personality matched
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 a section 2 a yet also states consumer report agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

A company is harrasing me by calling me, my father, and my grandmother telling me I have a warrant out for my arrest. At XXXX, it was aggravated assault and then they corrected themselves and have told me it was for check fraud under a law titled Check XXXX Law. 

They had all my personal information that dated back to when I was in highschool and had a bank account with XXXX XXXX XXXX. I found out that they work with ChecknGo and that they are requesting a debt that was paid off years ago. They did n't even know the difference between the city and the county. They told me XXXX, XXXX was in XXXX XXXX. Which it is not. 

They 're number is XXXX which is in XXXX. They are saying that they are a district attorney office. I called the state Marshall and the prosecutor office. They had nothing on file with my name. I want them to stop harrasing me.
Product: Money transfer, virtual currency, or money service

venmo permanently deactivated and holding my funds for XXXX  days for loss prevention purposes I have provided information I can provide. I am going to be homeless with them keeping {$3200.00} of mine. I dont even know what happens next because when I contact they tell me contact account XXXX who I cant email back. My student loan money went into the account as well as I get paid to be a caregiver to my XXXX sister.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a dispute about incorrect personal information that was reported on my consumer report. I wanted the company to investigate and remove the incorrect information from the consumer report and send an updated corrected consumer report to the address that was listed. I have not gotten a response from Equifax and the consumer report has not been updated as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with XXXX and they do not take off this fraudulent account. They say the company has provided information for them to not block it. I filed a police report back in XX/XX/XXXX and it was removed and then was put back on XX/XX/XXXX and I submitted a dispute in XXXX, XXXX and XXXX. They refuse to take this off I have filed a complaint with the company Nordstrom as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy account removed ( as it was at the 10 year max ) and once it was removed my credit score fell XXXX points. I have zero negative accounts and a good payment record. I have had credit closed and refused. I tried calling Transunion to no avail. They just keep you on hold forever. I think my score should be reconsidered. This is simply ridiculous. I understand that if your credit is not " old '' it may count against you but the severity of the drop is not fair at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXXXX/XX/XXXX Balance Owed : {$0.00} ; XX/XX/XXXXXXXX Balance Owed : {$0.00} ; XXXXXX/XX/XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$980.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} ; XX/XX/XXXX XXXX Balance Owed : {$0.00} ;XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$980.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXXXX/XX/XXXXXXXX, HI XXXX ; XXXX XXXX XXXX XXXX Owed : {$2800.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$980.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach has cause my XXXX and transunion to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

'KIckoff is reporting information again not Condusive to 15 U.S.1681a ( 2 ) ( a ) ( i ) Exclusion of Transactions and Experiences Particularly Late Payments as so much No Written Authorization Given to Disperse Information to Various Agencys, Bureaus and the Likes ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the credit company I am a victim of defamation and financial injury FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ). As a result the accounts I informed them are reflecting with their company incorrectly. Therefore, Im not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. 

I asked them to DELETE the mentioned accounts and they do not have the legal authority to decline this demand to block information based on the basis of a misrepresentation of fact by me the consumer, or any other reason under 905B ( c ). Based under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute their organization 's willful negligent non-compliance.
Product: Credit card or prepaid card

Previously I submitted a dispute for the overcharge of the {$140.00} charge from XXXX XXXX XXXX on XX/XX/18. In this dispute, I included a copy of the XXXX/XXXX XXXX  XXXX XXXX, which states the hotel would honor the best public rate plus 20 %. Also included with this dispute was a copy the best available rate as well as the invoice not honoring the published guarantee. 
On XXXX18, well past the allowed time to investigate and settle disputes, Chase sent me a letter requesting information which had already been provided. Because no further information was provided Chase neglected to continue the investigation and pursue this chargeback in violation of 1666. Correction of billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1601 1681b2 6802 Consumer privacy laws state confidential information such as transactions, history utilization and statements are excluded from Consumer/Credit Reports . Please delete cease and desist XXXX. Delete XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  as well as Any Collections.
Product: Credit reporting or other personal consumer reports

Experian has reported my information inaccurately. Accounts that I have absolutely no knowledge of, when asked for validation letters I only get back that accounts are verified but not proven. Other companies have pulled my report and Experian has informed them I have XXXX credit which is completely inaccurate.