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

I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, Experian and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX  amount of {$690.00} reported on XX/XX/2022 XXXX XXXX  XXXX XXXX of {$3600.00} reported on XX/XX/2022 in accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a few accounts on my credit reports for some time now with Experian, XXXX and XXXX. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and Experian and XXXX has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and Experian are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and XXXX removed and corrected this issue but XXXX and Experian has not. Again, how are they able to report inaccurate information? If XXXX found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately.

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf.

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX  XXXX XXXX  XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

We started a deferment process on a car loan on XX/XX/XXXX. We have never been late on this loan or asked for this. The form was sent to us on XX/XX/XXXX by XXXXXXXXXXXX who is a manager. The form was completed immediately through their XXXX signature process and sent back on XX/XX/XXXX. We called on XX/XX/XXXX to ensure that all was received. The cs rep said yes. We continued to receive calls about our payment even though we were told by the above manager and CS representatives that our payment was deferred for XX/XX/XXXX and not to worry. The calls continue to come. We called on XX/XX/XXXX again being told deferrment was in process but to call at end of month reassured once again not to worry. We were told that we did not have a payment due until XX/XX/XXXX. We called on XX/XX/XXXX asking for payment alarm to be turned off. It was turned off. Today XX/XX/XXXX we received a nasty call that we needed to contact AFS Acceptance about our account ASAP. We called and were told we owe the XX/XX/XXXX payment and that now it was going on our credit as late. We have had this car since XX/XX/XXXX and have paid its enormous interest payment every month on time. It is a 60 month loan at high interest due to be paid off next year in XX/XX/XXXX. These guys are very unprofessional and horrible with how they treat customers. The car dealer who sold us the car went out of business two months after putting us in this awful loan. We have followed everything they asked and they have continually lied to us. Our credit should not have anything negative at all since they messed a simple task up. They need to do what was promised and defer the XX/XX/XXXX payment as promised by their manager and team. Any additional questions please contact me at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consists of a personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/XXXX with a balance of {$700.00} under the account number unknown, XXXX  XXXX with a total balance of {$1600.00} opened on XX/XX/XXXX under the account number XXXX, XXXX XXXX  with a total balance of {$950.00} open on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX under the account number XXXX with, a student loan account with XXXX XXXX XXXX XXXX under the account number 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 # ( private case number ) 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: 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

XX/XX/XXXX My federal student loans disbursed by XXXX XXXX XXXX XXXX deposited over {$6000.00} into my Bank Mobil online student checking account early XX/XX/XXXX. 

Bank Mobile allowed XXXX XXXX to have full access to my funds, personal information and allowed them to dictate my privacy settings no matter whether the information was accurate or not. Further, Bank Mobile Vibe, violated their own online policies as they couldn 't nor wouldn't verify to whom, for what reason, nor tell me where my federal went. 

I have used XXXX XXXX successfully and w/o incident to send money to my monthly creditors. 

I noted two large debits from Checking account and noted that I did not authorize, consent, nor benefit from having these funds debited from my online student account.

I notified this bank immediately when I discovered the unauthorized funds missing from my account. I was transferred to 5 different banks reps. prior to getting the fraud dept. in which I originally and clearly requested. I see now that this was a deterrent and a method to discourage and prevent me from properly reporting these gross errors to the proper department. I was even disconnected after holding 10 mins for the fraud department. However, I persisted and did rightfully and honestly report the funds missing from my account. I was certain the bank would promptly return my monies as the debits to XXXX XXXX were missing the normal data i.e. name of individual receiving the funds, their account number, date, location and any memos necessary and/or entered by the account holder. THIS INFORMATION PROVIDED ME ON PREVIOUS SUCESSFULL USE OF XXXX XXXX were not provided m as described on the bank 's website with regard to the their policies, procedures and protocol. In fact, the bank could not tell to whom or to what business my funds went too. I was shocked and flabberghasted by this bank 's negligence and failure to tell me where my funds went and they didn't even care.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX  XXXX NA - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX 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 als
o states a consumer reporting agency can not furnish a 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: Debt collection

Received notice that a collection account was opened by Sequium Asset Solutions , LLC. for a debt " owed '' to XXXX in the amount of {$48.00}. I never received a phone call, email or notice in the mail. The same amount was sent to collection last year. The charge was disputed because I did return my equipment. XXXX credited back my account and the debt was removed from my credit report. I initally paid the {$48.00} owed to XXXX and they issued a refund when they received the credit update from XXXX. Now, I am in collection for same amount as last time. XXXX did not remove the debt from their system and once again, sent me to collection. Attached is the previous report from the last dispute.
Product: Mortgage

Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.
Product: Credit reporting or other personal consumer reports

After checking my credit reports, I saw inquiries that I did not authorize. There should only be XXXX inquiry for XXXX XXXX XXXX on my credit reports because that is the company I have my financed vehicle through. Please help.
Product: Credit card or prepaid card

XXXX XXXX -negative $ XXXX XXXX, XXXX  Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2022. 
You reported a problem with this transaction. See the status of your case in the XXXX XXXX. 
Paid with XXXX XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
{$200.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX United States Transaction ID XXXX Contact info Message XXXX XXXX XXXX Details Sent to XXXX XXXX  {$200.00} Total {$200.00}
Product: Debt collection

. My complaint is that malen & Associates file number is XXXX XXXX index XXXX their address is XXXX XXXX XXXX XXXX ny XXXX. Their phone is XXXX XXXX unlawfully filed a lawsuit suit against me in civil court XXXX  County ny regarding XXXX XXXX XXXX  this is a old debt that's fives years old past the state of limitations I had a checking account that was a negative balance back in XXXX. I reach out to the law office male and associates to do a payment plan during that time I told them that I can only pay XXXX dollars a month they agreed with me I signed stipulations I made a few payments I ended up latter getting late during the time covid happened causing this XXXX  to change .I was also shock that they did a soft pull on my XXXX credit report in XXXX I got alert from XXXX they thought that during soft pull I won't see inquiry from them but I did in XX/XX/XXXX. Also they sent me a unlawfully letter saying that they filed a judgment against me to take my property without notifying me a all. If I'm on a payment plan and agreed to pay XXXX dollars a month. They don't suppose to filed a judgment against me. And I agree to a payment plan. Even the debt is 5 years old going on six years soon. Also to have judgment vacated. I filed complaint with nys attorney General office that males associates violated covid laws creditors collections and attorneys don't suppose to take legal action from consumers they suppose to work out a solution in payment plan s.
Product: Checking or savings account

I used to have both checking and savings account at Citizens bank. I closed both of these accounts back in XX/XX/2023 and customer service from Citizens bank confirmed the closing of my accounts. However, I received a letter on XX/XX/XXXX from Citizens bank saying that I have a balance due of {$18.00} due to service fee charged to my closed checking account. In this letter from XXXX XXXX XXXX XXXX XXXXXXXX at Citizen bank, they claims that I am responsible for the amount due and would move forward with collection activities. This amount due was unauthorized service charges to my closed account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and fraudulent credit accounts on my report. 

I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 


INCORRECT ACCOUNT INFORMATION Creditor Account Number Reason XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Name Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing or any that I am not aware of or have authorized to do business with. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX
Product: Checking or savings account

I have disputed fraudulent charges that was made to my account XXXX XXXX.These charges were fraudulent because these charges were not made by me.The charges were for my life savings and before I knew it my account was wiped clean.I disputed the chargers, they were made to an online casino account that was not under my name.Someone has used my bank account to fund theyre online casino.I reached out to the bank first to dispute the charges, Shortly after the bank restricts my account without Notice.My account has been restricted since XXXX XXXX XXXX.it is now XX/XX/XXXX XXXXAfter filling the dispute I asked the reason for my account restriction, but no one had gave my an answer.I walked into the branch every day for a week and no one has gave me a reason as to why my account was restricted.On XX/XX/XXXX my dispute was denied.The bank claims I did not provide enough documents regarding the claim.So I reached out to the company that charged my card, and also reopened the claim this time.The company agrees that my deposit history for my account does not show any of the transactions I disputed reaching my account.Everything is documented.Now I am waiting for my bank response which can take up to 45days although they denied my claim within 2 days the first time.It has been 7 business days since I reopened my claim and my account is still restricted.This is my hard earned money and I have bills to pay I am short on cash and need to receive my money out of the account.