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

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account XXXX : XXXX
Product: Credit card

On XX/XX/year> at XXXX XXXX, I received an alert from Santander Bank asking if I made a purchase to XXXX  in the amount of {$1300.00}. I quickly responded NO. I was told that someone from fraud would call me. No one did, so I called. I spoke to an associate and they would do an investigation. The charges were removed. There was another charge that was blocked in the amount of {$1200.00}. My account was credited. And then in XX/XX/year> the charges were back on my credit card. I called the fraud department and they did an investigation and said the merchant had all of the information and that I made the purchases. They wouldnt even tell me what I ordered. They said they would mail it to me. Once I received the documents I went to a local Santander Branch in XXXX, PA and the Branch Manager, XXXX XXXX is assisting me. However the charges have not been credited to my account and now Im being charged late fees. Every time I call for an update, there is none. He said he had to go above to get assistance for this issue. Meanwhile Im getting calls, emails, text messages because I havent made any payments on these fraudulent charges. I didnt know what else to do and thats why Im contacting you. Evidently I ordered many pairs of sneakers and had them shipped to an address in New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX AD XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX   # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX/XXXX # XXXX for the amount {$3700.00} us dept of edXXXX # XXXX for the amount {$2200.00}
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Product: Payday loan, title loan, personal loan, or advance loan

A few years back payments were taken out my bank account from affirm. I think it was late XXXX early XXXX. Back to back months took 2 payments from me. I was very confused immediately assumed fraud. So after I shut down my bank and got another bank. Few years after that around XXXX I realized AFFIRM was on my credit profile. I tried multiple times and different methods of disputing. But was still unsuccessful getting it removed from my credit report. It still remains on my credit report today as a derogatory mark til this day.
Product: Debt collection

I was contacted by Portfolio Recovery Associates, LLC and request a debt validation. In return I was sent an account statement that does not prove the debt. I was not provided an original contract that bears my signature and this I am unaware of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a small loan with my main bank ... I do business with three different banks, all of which I am in good standing..and have been for quite some time. Equifax has either mixed me up with someone else, or just ca n't get its facts straight about me ... and has tanked my score for no apparent reason ... absolutely no change has occurred ... yet it tanked my score 54 points for no reason at all!!
Product: Bank account or service

My bank, Navy Federal Credit Union, has charged me for " XXXX NSF/Return Check Fees, '' totaling {$110.00}. I called and disputed these fees, as they were debit card transactions, and not bank, or check drafts. Also, I was denied the right to opt-in, by the bank, several years ago, and have not opted-in, for overdraft protection. 

My bank has also, manipulated my posting transaction ( Debits ), so as to cause these overdrafts. With the first overdraft, I initially had sufficient funds to cover the first debit, which cause the initial overdraft.
Product: Debt collection

XXXX XXXX @ XXXX XXXX XXXX XX/XX/XXXX Bill : {$7100.00} sent to XXXX XXXX XXXX payed the ALLOWABLE amount of {$500.00} on XX/XX/XXXX to XXXX XXXX DBA Paragon Revenue GR opened collection on XX/XX/XXXX This collection charge appears on XXXX Credit Report DBA Paragon has NEVER CONTACTED me regarding the alleged amount owed of {$1200.00} either by a paper trail or phone. I do not know how they arrived at this figure when XXXX XXXX accepted the payment of {$500.00}. XXXX won't remove this charge because DBA Paragon claims it is legitimate. XXXX considers this original bill of {$7100.00} to be payed in full. My out of pocket expenses with XXXX had been met, so I am not responsible for this bill.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, which currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. I am writing this complaint because Equifax reinserted information ( XXXX  ) onto the credit profile of XXXX XXXX XXXX, Consumer, after it was previously deleted. After speaking with XXXX, a supervisor at Equifax, it was determined that the information should not have been reporting as it was correctly deleted previously. XXXX also stated that my drivers license, social security card, and utility bill ( light bill ) needed to be sent for verification purposes for the FTC report that was also submitted. That information was sent via certified mail. 

Equifax violated consumer protection laws pursuant to 15 U.S.C 1681i ( 5 ) ( B ) ( ii ) ( iii ) because there was NO NOTICE sent to XXXX XXXX XXXX, Consumer, stating that the information would be reinserted, or that it was verified as accurate and true. In which it is not.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This is a lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Debt collection

I am being charged for equipment that I returned to XXXX in XX/XX/2018. I didn't know this was on my credit report. I no longer have the receipt of return. I know for a fact I returned it in XX/XX/2018 because I switched to XXXX on XX/XX/2018. I don't understand why they are charging me for this equipment. I have heard from others that this has happened to them as well with this company. I would like this removed as I do not owe it.
Product: Debt collection

I have a debt collection company trying to collect a debt from XX/XX/XXXX that they purchased from a credit card company. They went to my home state of Louisiana and got a judgement to empty one of my bank accounts without serving me any papers to go to court. and are threatening me now in the state I live in. the debt is 12 years old and past the statue to collect on. and further more XXXX passed a federal law against collection companies doing this in XX/XX/XXXX. Please help me with this matter
Product: Debt collection

After multiple calls over several months where no messages were left, I finally answered a call from XXXX. A man with a heavy accent said he was a collection agent from company called ERC. He said I owed over {$700.00} to XXXX for unpaid balances in 2019. Wanted me to pay it immediately over the phone. At some point he mentioned an email address he has on file for me- which was not right. So I told him he was calling the wrong person. Then he proceeded to recite the last four digits of my SSN and my home address - which were not wrong! I ended the call quickly at that point. 

I checked my credit reports and found that ERC had filed on two of the three agencies. I have disputed the claim and locked my credit. I called XXXX to ensure my husband 's account is in good-standing- it is! And I also confirmed that my name and credit were not on that account- it's not!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX & XXXX account XXXX XXXX, XXXX XXXX account number XXXX XXXXXXXX the XXXX XXXX XXXX  account number XXXX , XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, Experian, and XXXX regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

The inaccuracies include : XXXX. Incorrect account dates that do not match the original creditor 's records. 
XXXX. Inaccurate balance amounts, which are not consistent with actual account statuses. 
XXXX. Payment history errors, such as reporting late payments that never occurred. 

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data.

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the negative items listed below be removed from my credit report immediately. The negative items are as follows : XXXX Formerly XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently suffered a major data breach, which has put consumers ' sensitive financial information at risk. Due to this breach, I have reason to believe that the negative items on my credit report may not be accurate, and I request that they be removed as soon as possible. 

I also want to bring to your attention that the continued reporting of these negative items may be in violation of US Code 1681 I, which requires that credit reporting agencies only report information that is accurate and verifiable. Given the potential inaccuracies caused by the CFPB breach, I believe that it is appropriate to remove these negative items from my credit report. 

I hope that you will take prompt action to investigate these negative items and remove them from my credit report since they are found to be inaccurate. Please inform me of your findings and any actions taken to correct my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

After months of exhausting all avenues in an attempt to have Equifax remove inaccurate information from my credit report, the company has continuously disregarded my efforts, responding to each of my disputes with automated replies. Each dispute contained clear evidence of the inaccuracies, including proof that, for two accounts, the creditor failed to provide a copy of my signed agreement within the required 30-day period following my certified mail request. These creditors did not meet the legal deadline, and as a result, these accounts are being reported illegally on my credit profile. 

In light of the ongoing damage Equifax has caused by continuing to report inaccurate and illegal accounts on my credit profile, my lawyer and I have decided to proceed with a lawsuit against Equifax. 

Equifax has 5 days from the receipt of my lawyer 's certified mail to delete all inaccurate and illegal information from my credit report. 

Attached the Intent to sue letter sent by my lawyer, via certified mail to Equifax.
Product: Debt collection

I paid the debt I sent yall a document showing it was paid the debt was threw Diversified consulta Just want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My Twin sister and I noticed that our identities are mixed up in all three credit bureaus ( XXXX, Experian and XXXX ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX DOB : XX/XX/1995 SSN : XXXX My Twin 's Identity is : Name : XXXX XXXX DOB XXXX XX/XX/1995 SSN : XXXX
Product: Mortgage

I had a HELOC with Wells Fargo. 
It had ARM & it was converted into Fixed Rate Mortgage some time later. The Fixed Rate assigned by Wells Fargo was 6 % which was incredibly high. 
XXXX  XXXX XXXX converted HELOC to fixed rate of 3.24 % around the same time. 
When I contacted I was assured that they would contact me with the solution. But no call came and I did contact Board of Directors of Wells Fargo with the same results. 
Around {$100000.00} is outstanding today.
Product: Checking or savings account

On Friday XX/XX/XXXX I tried to login to my account to confirm routing & account numbers for direct deposit. I got an error saying my account was locked due to " too many failed attempts '' and to call customer service. I called customer service to see why the account was locked, I was told the account was going to be closed. When I asked why I was told that it appeared that a XXXX Transaction to XXXX XXXX in the amount of {$140.00} had been flagged as fraudulent. This was a completely legitimate transaction I made via the app to my wife which could have been verified over the phone, text, or email very easily. 

When I asked for specific information instead of what " appeared '' to be the case I was told I would need to speak with the fraud department so after sitting on hold I was told they had gone home for the week and to call back on Monday. I called today XX/XX/XXXX at XXXX to speak to the fraud department and I was told I'd be receiving a call back with the next 15-20 minutes, it's been over 2 hours with no call. After repeated calls I finally spoke to XXXX and she confirmed the reason the account was closed was due to a perfectly legitimate XXXX Transaction. I find this to be unacceptable
Product: Credit card or prepaid card

I made a payment then realized I used my old checking account called in told them it was wrong account made new payment with right account so here I am thinking everything is ok and then they send me a letter saying they closed account due to non payment insufficient funds and held my money for Almost 30 days before refunding it back to checking account so they actually had the payment and acted like they didnt receive it and also closed for recent delinquency
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection that came on my report by the Dept of Illinois for {$600.00} in XXXX of 2021, this debt belongs to my sister XXXX XXXX, I have never had an account with the state of this nature, they even associated and incorrect social security number with the account. I spoke with my sister and it is on her report as it should be but should not be on mine. Never once was a validation of debt sent, or an opportunity to provide proof that it belonged to me, my rights are being violated and I want damages if not removed, it dropped my score down 36 pts when it posted to my account last month, and has since posted on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received anything from Equifax in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over XXXX weeks. I need my consumer report and FAL report. I've been trying to reach out to XXXX, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER
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. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Product: Credit card or prepaid card

Identity theft happened. Numerous credit cards opened. Comenity bank was notified and they are trying to claim its a legit credit card. This company is trying to steal money from me. Iv never had a card with them.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXAccount Number : XXXX