23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have contacted capital one previously to fix this issue because their representative made a critical mistake by processing my payment INCORRECTLY. They called me and alerted me they were closing my account due to reasons unbeknownst to me and I paid my account right then and there in XXXX, however their negligent employee put in the computer only XXXX causing my account to go into delinquent status. I mean lets talk about what REALLY happened since Capital One did not state this FACT and error in their letters they wrote to these credit companies!! 

. Instead of properly admitting this occurrence, ( which was recorded over call ) they wrote a letter stating no mistakes were found but they still asked the bureaus to update my report which is bullsh*t and not taking accountability for the NEGLIGENCE on their end.. This is extremely conflicting seeing as how correct info must be reported BY LAW. 

Fast forward to today XXXX is the only bureau falsely reporting this negative and incorrect information. I spoke to XXXX of XXXX XXXXXXXX today name XXXX who told me these delinquent payments dont matter because this account is closed but this is a LIE from the pits of XXXX because I am homeless and getting denied apartments for this delinquency so Ill definitely be contacting a lawyer about that. 

Not only that but she transferred me to a supervisor XXXX who denies receiving these letters from Capital one and rudely hung up the phone on me when I tried to ask for his name and was not helpful at all. Luckily I remembered his name because the first rep stated it. XXXX filing another report so capital one can PROMPTLY and CORRECTLY use the proper language so these delinquencies can be updated to PAID ON TIME because it was!!! 
It is unacceptable to say they are no errors found when CLEARLY they know the horrible mistake they made but if they want to sit and play like they dont know there are definitely attorneys for that because I know this is highly illegal. 


The conversation I had with them about their rep INCORRECTLY processing my payment is also on a recorded call so they cant try to lie their way out of this one. AGAIN.
Product: Debt collection

My recent credit report contains several unauthorized accounts. I demand their immediate removal and blocking.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been fraudulently used. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following account and inquiries be blocked and permanently removed from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries 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
Product: Mortgage

I applied for a mortgage with Ally Financial, powered by better, in XX/XX/2022, the account was taken over by them after I had gone through a long process with XXXX Mortgage. After processing information request by Ally Financial, powered by better I was told I was going to close on XX/XX/2022, I requested vacation time but was told the closing would not happen on that date and extended it out until XX/XX/2022, but I would have to lock in the rate at {$30.00} per day, in order to continue with the process. I continue working with Ally Financial, powered by better because I had a good credit score. But in XXXX I found out that my credit score had dropped XXXX points and now I am in the high risk and would have to clear out my credit cards, along with bring more money to close. After the continuous change in the dates that owner decide to more on with the process. I signed the mutual release on XX/XX/2022, and received a denial from the mortgage company on the XX/XX/2022.
Product: Checking or savings account

XXXX - XXXX cash app has several connection issues that are preventing users from receiving money sending money or using their cash app cards to pay for things like food housing and any other thing that requires a XXXX card logo. Complaints have been made to the XXXX XXXX XXXX no one from cash app has been able to respond everyone has been calling there's no support and we have no updates about our money and there's no number to call.
Product: Credit reporting or other personal consumer reports

I received an offer from Credit Karma to apply for a credit card to help my score. The advertising said no impact to my score. It also said odds of approval were outstanding, not only was I denied but my score dropped XXXX. XXXX to XXXX. 
I have also filed a complaint regarding false aliases on my report and they refused to remove.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Multiple Zelle 's that were not authorized that could not get back.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from FOREST RECOVERY SERVICE, Original creditor : XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection. 

count Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$600.00} {$600.00} Payment Info Original balance {$600.00} Balance {$600.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments
Product: Consumer Loan

The last of XX/XX/XXXX my husband passed away. The beginning of XX/XX/XXXX I began receiving citations on my home. The house needed painted or sided. I did n't know what to do. A door to door sale man showed up they sold siding. I signed papers with a salesman for the Loan of there choice. Did n't understand it but thought they were helping me with my problem. I got the loan in XX/XX/XXXX been making monthly payments of {$200.00} for XXXX yrs now. I have already paid the Amerifirst {$16000.00}. It 's a XXXX yr loan with interest rate of XXXX. The loan is for {$15000.00}. I'ved called and ask what the payoff is and it is the same amount I owe no discount. I also asked if they could lower the interest rate because I 've been a good customer and they said no. I just do n't know what to do. Buy the time I pay them off in XXXX yrs it will be more than double the money I owe. How can that be. Thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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: Debt collection

Bay Area Credit Service has failed to provide me with any real proof the debt belongs to me. They do not have any signature of mine binding me to any type of contractual agreement to pay them. Further more they have violated the Hippa Law by providing me with diagnosis, procedures and charges via mail that is not pertaining to me. I want this debt closed and removed immediately.
Product: Credit reporting or other personal consumer reports

# Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information that remains on my credit report despite my previous efforts to correct these errors. I have identified several violations in Experian 's dispute-handling practices that align with the allegations made by the Consumer Financial Protection Bureau ( CFPB ) in their recent lawsuit against your company.

**According to the CFPB complaint, Experian has failed to : ** 1. **Reasonably Reinvestigate Disputes : ** Experian has not conducted reasonable reinvestigations of disputed information as required by the Fair Credit Reporting Act ( FCRA ). I have provided supporting documentation to validate my disputes, yet the inaccurate information remains on my report.

2. **Forward Relevant Information to Furnishers : ** Experian has failed to transmit all relevant dispute information and supporting documents to the furnishers, resulting in the continued reporting of incorrect data.

3. **Provide Accurate and Clear Dispute Results : ** The reinvestigation results I have received are confusing and do not clearly indicate what, if anything, was changed or updated on my credit report.

4. **Prevent Reinsertions of Previously Deleted Information : ** Experian has allowed previously deleted erroneous items to reappear on my credit file without proper certification from the furnishers or notification to me.

5. **Investigate Hard Inquiry Disputes : ** Experian 's failure to investigate unauthorized hard inquiries on my credit report has adversely affected my credit score and financial standing.

**Requested Actions : ** In accordance with the FCRA ( 15 U.S.C . 1681i ), I request that you : 1. Conduct a thorough reinvestigation of the disputed information.

2. Provide a clear and detailed written response indicating the outcome of your investigation.

3. Correct or remove any inaccurate, incomplete, or unverifiable information from my credit file.

4. Cease any reinsertion of previously deleted information without following proper procedures.

Attached, please find copies of supporting documents that substantiate my claims. I expect Experian to comply with its legal obligations and correct these issues within the legally mandated timeframe of 30 days. 

Please send all correspondence regarding this dispute to the address listed above. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Toyota Financial Services reported my husband and I, in XXXX of XXXX, to the credit bureaus and ruined our hard-earned credit scores, which were in the 800 range over a balance of {$23.00}. This balance was from a car accident that our daughter was involved in XXXX XX/XX/2018 XXXX, and it was not even her fault. Our XXXX XXXX ( lease ) was deemed a TOTAL LOSS, and our insurance company paid out all debts to Toyota Financial Corporation, or so we thought. We had no idea that there was a remaining balance of {$110.00} on this vehicle, which in reality ended up to be only {$23.00}, after Toyota Corporation received the Abatement Refund of {$92.00} in XXXX of XXXX. 

Never once did anyone from Toyota Corporation call us to ask for this minimal balance. Long story short, in XXXX of XXXX, after receiving a letter from Toyota stating they reported us to the Credit Reporting Agencies, I immediately phoned Toyota Corporation and paid off the remaining small balance of {$23.00}, but the damage had already been done to our Credit Scores. I continued to ask Toyota Corporation for help to redeem back our high credit scores, and spoke with numerous customer reps/supervisors from various departments. All of them told me they had never heard a story like ours. They too were shocked that our credit scores were ruined over a small amount, and it was over a car accident that wasn't even our daughter 's fault. Repeatedly, I was told that there was nothing they can do on their end, and that the only option was to write the TFS Dispute Group. My husband and I wrote a letter to the dispute group at XXXX XXXX XXXX XXXX, MI ( no email or phone available ), and they denied our request to have our debt/report removed from all Credit Bureaus. 

It has been over two years now, and we are asking CFPB to help us ask Toyota Financial Services to remove our negative credit hit/report, so we can redeem our hard-earned credit scores and qualify for better interest rates on loans. My husband and I have worked hard throughout the years to establish our credit scores. We have always and continue to pay our credit cards in full, making sure we never have a late payment. In addition, we have been loyal customers to Toyota Corporation by buying and leasing numerous vehicles throughout the years. We were devastated that this is how Toyota Corporation values loyal, and good paying customers. We look forward to a response, and hope for a good outcome.
Product: Credit card

I have not used my Discover card for a very long time, at least XXXX  years. I ended up freezing the account because there was an XXXX charge that kept recurring that I was unable to stop. I was unable to stop it because it was tied to an old email that I couldn't gain access to again. 

Then I ended up seeing an email where there was a balance on my discover card, due to the same XXXX charge, but my account should have been frozen. I froze the account again and paid the amount, but Discover reported it as a late payment on my credit report. I have been in good standing with them the entire time I have been a customer, and would like to have that derogatory mark remove from my credit report. 

This derogatory mark is keeping me from obtaining financing and I would very much appreciate the help getting this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX, SC XXXX INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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  : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX, SC XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX EQUIFAX NAME : EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX INQUIRIES : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my deep dissatisfaction with Zelle and its handling of fraudulent transactions. Recently, I was a victim of fraud involving your platform, where funds were unlawfully transferred from my account. Despite my prompt efforts to report the fraudulent activity, I have received no meaningful assistance or resolution from Zelle or the associated financial institution. 

Zelle promotes itself as a secure platform for quick money transfers, yet the lack of safeguards to prevent fraud, coupled with the inability to recover funds in such cases, undermines this claim. I find it highly concerning that Zelle does not offer a comprehensive process to address fraudulent activity or provide refunds to affected users. 

When I reached out for help, I was met with a response that essentially absolved Zelle of any responsibility, leaving me to deal with the financial and emotional stress on my own. This lack of accountability is unacceptable, especially for a service entrusted with handling financial transactions. 

I urge Zelle to improve its fraud detection and prevention measures and to establish a robust customer support system that prioritizes the resolution of fraudulent cases. It is imperative that Zelle takes responsibility for ensuring the security and trust of its users. 

I expect a thorough review of my case and a clear explanation of why my concerns have not been adequately addressed. I also request that my funds be refunded promptly. 


XX/XX/XXXX, amount XXXX XX/XX/XXXX, amount XXXX XX/XX/XXXX amount XXXX XX/XX/XXXX, amount XXXX XX/XX/XXXX, amount XXXX
Product: Vehicle loan or lease

This vehicle has not been in my possession since 2019. It is my ex husbands account. I have attempted to fix things with the company but they refuse. It is not mine, and the property was stolen in 2019. I am XXXX XXXX XXXX and it occurred when I was in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX 1. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all XXXX credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made