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

too whom it may concern. I am submitting this complaint on my own and there is no third party involved in me submitting this complaint. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I have sent numerous letters with a police report and FTC report, and an notarize affidavit to XXXX, and Experian and they have yet to remove the items i stated were fraudulent on my credit report. This is a total violation of the FCRA. I feel they are taking advantage of me and are not doing their jobs. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. It's been months and they have yet to remove these accounts even after i sent a police report and an FTC report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove XXXXXXXX XXXX and XXXX XXXX from my credit report. the following items do not belong to me and is a result of fraud that I did not authorize. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I paid CashNetUSA 4 times the money I borrowed and they just kept taking money from my bank account until I blocked them from my bank! I reached out for clarity and solutions, but they gave none. This place is a scam. They let you borrow money only for the interest rate to be so extremely high it keeps you stuck in a payment plan in which you pay back way more than you borrowed for what seems like forever.
Product: Credit card or prepaid card

I couldn't believe it when I was looking over my credit report and saw there was a late payment from XX/XX/XXXX. 
I have absolutely no idea how this even happened. 
I always make sure to make my payments on time when I get my statements. Therefore I must assume that I never received the actual statement.
Product: Credit card or prepaid card

I charged {$900.00} on my Southwest/ Chase bank credit card XXXX XXXX for a purchase on a trip with XXXX XXXX XXXX XXXX. The trip was changed 3 times, and then canceled. I asked for a refund. After fighting with XXXX for months, they agreed to it. On XXXX XXXX or XXXX, XXXX, I called SWA/Chase customer service to see why the {$900.00} credit was not yet on my account. They said, yes, they saw the refund by XXXX for {$900.00}, and '' it would be back on my card today ''. However, when I called back today, XXXX XXXX, I was told that I wasn't going to get it " because the case was closed ''. They originally said XXXX got 2 MONTHS to respond to my claim, so they initially put a {$900.00} credit on my card. XXXX responded after 3 or 4 months, disputing my claim with absolutely no proof on their part, and Chase put the {$900.00} back on my card. I have been trying to get it back ever since, and was happy last week when they finally said I got it. Then, today when I called, they were back to stonewalling me, with NO explanation, saying once again " the case was closed ''. I had sent them proof of XXXX 's culpability in canceling the trip, but Chase refused to consider it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost all of my credit history, and they refused to make effort to resume it. This issue has brought great trouble to my life, especially that I am in the process of buying a house and I am not able to get my loan approved due to lack of credit history in Equifax. 

Below is the whole storyline : on XX/XX/2022, my load agent told me he was not able to pull my credit report from Equifax. Because XX/XX/XXXX is XXXX day, I contacted Equifax on XX/XX/XXXX. Over the phone, their customer representative told me that my credit profile was not established in Equifax, which was very surprising to me because the other two credit bureau ( XXXX and XXXX ) had my profile without any issue. 

In order to resolve the issue, later on the same day ( XX/XX/XXXX ), under the guidance of the representative, I faxed the required documents ( my ssn, driver license and a ) to Equifax at fax number XXXX. 

Then today ( XX/XX/2022 ), I called them again to ask about whether the issue has been fixed. Unfortunately, the customer representative named XXXX told me that they were not to find any of my credit history. He asked me whether the credit card companies were reporting under the correct information. I told him that the other two credit bureau had been receiving my credit records correctly so I did not think there was anything wrong at the bank side. Then he told me there was nothing they could do, even if it was obviously their fault to lose my record. He also refused to make any further investigation into the case. 

Attached is the fax receipt.
Product: Checking or savings account

XX/XX/XXXX At Wells Fargo, I have had account since year XXXX. Wells Fargo is constantly making account " Dormant '' starting XXXX suddenly. I did not agree to such terms and conditions. They need activity and deposits account every month. I have verbally and in writing notified them that i do NOT agree and i never did agree to such terms when i opened account in year XXXX.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNT : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Money transfer, virtual currency, or money service

I am writing to 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 out of luck. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud and deception. The lack of accountability is grossly displayed on their companys behalf. I fear for my financial safety
Product: Checking or savings account

Navy Federal withdrew XXXX $ in my account without my consent for charge off account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent has violated my rights : 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 a account without my written instructions
Product: Credit card

I applied for a Capital One XXXX Rewards credit card on XX/XX/23 and got denied. According to 15 USC 1691 a consumer credit transaction explains the Equal Credit Opportunity Act. I have the right to credit. This prohibits creditors from discriminating against credit applicants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO KNOW THE EXACT REASON OR REASONS AS TO WHY THE ACCOUNT FOR XXXX OF A TOTAL OF XXXX DOLLARS. THIS ACCOUNT SEEMS TO BE ONLY REFLECTING UNDER EQUIFAX, AS AN UNPAID- CHARGE-OFF. NOTHING HAS BEEN DONE ABOUT THIS ACCOUNT AND I DEMAND TO KNOW THE REASON WHY. AFTER SEVERAL ATTEMPTS TRYING TO REMOVE THIS ACCOUNT FROM MY REPORT, NOTHING HAS BEEN DONE ABOUT THIS MATTER. THE FIRST ATTEMPT AT REMOVING THE NEGATIVE ACCOUNT FROM MY CREDIT REPORT WAS ON : XX/XX/2018, A DISPUTE LETTER WAS SENT TO EQUIFAX AND THEY DID NOTHING ABOUT IT, NOR DID THEY RESPOND TO MY CONCERN. THIS IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT AND THE GOALS I HAVE YET TO ACHIEVE, PLEASE HELP ME WITH THIS.
Product: Vehicle loan or lease

United Auto XXXX {$4800.00} XX/XX/2016 This account is an result of identity theft. this account was offered to be removed. United Auto XXXX did not furnace documents to support this information thats on my credit report. this account has caused me financial ruin
Product: Debt collection

this account is negatively reporting on my credit report. I never owned this account. This collection was open around XX/XX/2019. The amount was approximately {$630.00}. This company is failing to follow compliance procedures according to the Fcra.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even affecting my ability to XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously counted my qualifying payments for XXXX. I have been awarded a range of 94-95 qualifying payments on my consolidated loan. XX/XX/ is being counted for XXXX on one loan and not the other. The reason given is that it was not on an eligible repayment plan, however it is not possible one portion of the loan was on a plan ineligible for XXXX and not the other, as a consolidated loan is serviced as one loan though it is split into two portions. Additionally, all direct loans are required to be repaid under the same repayment plan if they are eligible. The months prior and following were eligible for XXXX. The payment count should be 95 on the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquiries on my XXXX credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or Equifax either .
Product: Credit card or prepaid card

XXXX XXXX XXXX is holding {$4100.00} XXXX Dollars on case number XXXX. The merchant is XXXX XXXX merchant number XXXX. I made the payment using Bank of America Visa credit card on XX/XX/2023. I have opened a dispute with BOA claim ID is XXXX on XX/XX/2023. USD amount is {$3000.00}. The payment is for the rental of a condominium in XXXX XXXX. XXXX arbitrarily decided to cancel and close the merchant account without reason and demanded and received back their credit card machine. They have refused to pass the payment to the merchant, and have told the merchant they were going to hold all funds in the account for 6 months. They instructed merchant to tell me to request a refund from my CC, which I did. I have contacted BOA 4 additional times and they have not issued a credit and are taking no action to resolve the dispute. They have indicated we will need to wait 90 days to see if the merchant will not dispute the charge back. The merchant has already contacted XXXX and sent them written instructions that they will not dispute the charge back, and requested they refund the money to BOA, but they have taken no action. REQUESTED ACTION : XXXX needs to refund the credit to BOA so I can pay for the rental and access it on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Formal Dispute of inaccurate Credit Reporting under FCRA and Consumer Law.

I am writing to formally dispute information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which inquires credit reporting agencies to conduct a reasonable reinvestigation of disputes items. Recent findings by the Consumer Financial Protection Bureau have brought to light significant concerns regarding XXXX  failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer Protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a thorough and reasonable investigation of disputes items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit reporting

I disputed my a credit report Collection entry by a collection agency which took me to court on a debt that they did not legally prove that they owned. A Judge in Massachusetts Ruled in my favor dismissing the lawsuit and Equifax still verified the debt and wo n't remove it.
Product: Debt collection

Eastern Account Systems Failed to notify me of this debt, I never received anything whatsoever regarding this debt no phone calls no email, no letters. Eastern Account Systems placed this debt on my credit report without notifying me or giving me a chance to dispute such debt, I am asking Eastern Account Systems to remove this debt from my credit report since they failed to notify me and the debt is already paid to the original credit XXXX.
Product: Credit card or prepaid card

Pre-paid rebate card issued by Citi in conjunction with a promotion with XXXX expired after only 2 years when it appears that both Federal and NY State law prohibit expiration and/or abandonment of such funds in no less than 3 years in some instances and 5 years in others. <P/>Citi offered no explanation or information about the funds that are " gone. '' Amount lost is {$470.00} I requested either a replacement card or check in the amount lost and was denied.
Product: Mortgage

Between XX/XX/2018 and XX/XX/2018 I applied with XXXX XXXX of XXXX to purchase a mobile home. We had to apply for a Mobile Home Loan via their loan servicer Vanderbilt Mortgage and Finance. In the process of transferring my handwritten credit application into electronic form the income reported for the borrower was doubled. Also when signing the closing loan documents the borrower nor the co-borrower were advised of our right to rescind, a notice of rescission was never given to us. 
We also have 2 different conditional loan approvals one states we are married the other states we are not. one states that we wish to not disclose our race while the other one states our race. One loan approval has a higher interest rate, higher payments, while the other one has lower interest rate with lower payments, all based upon the same reported income. I believe that myself and the borrower are both victims of predatory lending. as a result of a financial hardship we were sent a letter of default and subsequently evicted. Also an amount of XXXX and an eviction was reported to the credit reporting agencies.
Product: Debt collection

The credit collection agency put this alleged account on the credit bureau files BEFORE they gave me notice about the alleged debt. Just received notice of alleged debt in the current month. 

I reported debt as not being mine to the three major credit bureaus. 

It says that the original creditor was Capital One. 

Requested that the collection agency provides documentation that shows who got this contested account. In the absence of proof of ownership, the collection agencies removed the accounts from my credit bureau file. 

Shortly after the credit collection was removed from my credit reports, one of the credit bureau agencies notified me that the account has been reinstated on my credit files. 

The credit collection agency also says that I paid the account in XX/XX/2021. I made no such payment. 

I still have received NO documentation, such as credit application, that the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of cards funds missing from bank credit cards being closed debit cards misused XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX cards misused closed acct. loans secured loan with XXXX XXXX XXXX XXXX XXXX never returned from XXXX loan several disputes no help. Unknown address on credit report mortgage loan on credit report. Eviction neighbors have all personal info sheriff XXXX police would not allow to retrieve have all personal belonging. Soc security monthly checks amount incorrect XXXX never delivered doc security statements XXXX XXXX however someone used it at XXXX XXXX XXXX XXXX XXXX I started with XXXX in XXXXcombined XXXX XXXX present believe someone is pretending to be me on my job ( working as myself as a XXXX XXXXXXXX at XXXX XXXX using my credentials as a XXXX XXXX fraudently. Accessing my benefits and pay. Used medical dental XXXX w/dependent. I do not have any children. Signing in XXXX many different folks one shows zipcode XXXX unable to remove. Insurance fraud closed many insurances possible New York life ( life/annuity acct ) protective life should be Wisconsin Life life annuity ) problems with State Farm XXXX Alabama insurance acct. XXXX XXXX acct saying switched to XXXX I never approved this. XXXX retirement XXXX XXXX some showing XXXX XXXX approved this supposedly a savings acct however unable to withdraw from many more Fidelity acct. Need to speak to someone. neighbors and XXXX XXXX XXXX ( Professional Equities involvement ) Also personal info stolen from by XXXX halls ferry manor ( XXXX XXXX ) has court report ID soc sec info XXXX XXXX Also safelink affordable act phone they r using and selling my time never able to use data. I am XXXX yrs of age in XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also 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: Credit reporting, credit repair services, or other personal consumer reports

I have a problem getting TransUnion to investigate inaccuracies on my credit report. I have sent them multiple letters to them and I have contacted the furnishers like they told me to and that did not work because they did not validate the information. I contacted Transunion again XX/XX/XXXX providing new information and they continue to violate the FCRA by reporting this inaccurate info and not conducting a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5.00} ; XXXX XXXX  XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$70.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX : {$570.00} ; 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 XXXXXXXX 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 ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than XXXX business days after the date ofreceipt.
Product: Checking or savings account

Bank of America closed my account out of nowhere. When I call i keep hearing different things. I have money in the account and need to withdrawal but they say theyll send a check but still havent