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

I have disputed account listed below that does not belong to me and Experian, XXXX and XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX, reporting XXXXXXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX
Product: Checking or savings account

I used Zelle to transfer $ [ 2000 ]. Unfortunately, the money was sent to someone else. I immediately contacted my financial institution and Zelle to report the error. 

Despite providing all requested details and documentation, Zelle has declined to refund the transaction, citing policies that I find to be unreasonable given the circumstances. As this transaction was made in good faith and the error was promptly reported, I believe Zelle should take responsibility to recover and refund the misdirected funds. My phone number is ( XXXX ) XXXX and my email is XXXX Steps Taken So Far 1. Reported the issue to XXXX XXXX XXXX on. 
2. Contacted Zelle customer support via phone 3. Provided all requested transaction details and evidence. 

Request for Resolution I kindly request that Zelle : 1. Investigate this matter thoroughly. 
2. Recover and refund the $ [ amount ] sent in error. 
3. Review and address any internal processes or policies that contributed to this situation.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an item as 'verified ' when there is NO EXISTING ACCOUNT for this item. Who was the person that verified this? I have attached correspondence FROM the furnisher that the referenced 'verified " account was DELETED AND REMOVED! So, how is Equifax verifying this information? This is my THIRD request for maximum accuracy! Your action amounts to fraud and aggravated Identity theft and at the very least, willful non-compliance. This is a clear violation of my consumer rights! There is NO active account as alleged, as it was located AND removed as a result of my dispute with the furnisher XXXX. I am demanding MAXIMUM ACCURACY! I have the right to face all who furnished this information falsely. This reporting has significantly impacted my mode of living as well as my credit worthiness. As the consumer, I DO NOT validate this account, therefore it must be removed from my consumer report! Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Delete this item from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I currently went through a divorce and needed to refiance my house to take my ex off the loan/house. I went with current morgage compnay ( PHH ) because they offered a steamline and I thought that would be quick and easy, that was XX/XX/XXXX in XXXX they informed me that there wasnt enough history that I was paying the morgage myself after writing a letter and proving that it was I that had always paid the mortgage. 
So then they offered another route so we did that and I was denied. PHH Mortgage called me In XX/XX/XXXX offering me a FHA Loan that pretty much was a sure thing and after numerious request of info ( that was provided multiple times, but always requested cause it was always changing hands ) it is now XX/XX/XXXX and my refiancing is still up in limbo and now they are requesting more info that was answered and provided previously. 
I purchase a few houses and refianced in my time and even in todays world with COVID everyone tells me 30days to close but 45days worse case.I can go on and on with Apprasal XXXX up to Supervsor not calling after requesting to speak to one numerious times All I can say is Im not sure what they are doing but I never expeianced anything like this before
Product: Credit reporting or other personal consumer reports

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore 12 CFR 1022.3 Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below
Product: Credit card or prepaid card

XX/XX/XXXX i contacted bank of america [ the bank ] to settle a debt owed on a credit card {$3500.00}. After a long phone conversation and interview with a bank employee an agreement was made to pay off {$1300.00} then 2 paymemts of {$770.00} on XX/XX/XXXX & XX/XX/XXXX XXXX. Over the phone {$2800.00} was agreed upon. 
XX/XX/XXXX {$1300.00} withdrawn. Later in the day the bank left a voicemail. Returning the call i was informed that the agreement was no longer valid due to a technically. I just wish to have the bank honor the deal and no longer be in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUNDING LLC has been sending me collection notices in the amount of {$5900.00}. The collection has been reported as past due balance. I do not know this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning ; to whom I might concern I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a Registered letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a Registered letter to them asking them to provide me a signature or something that was done by me and they never sent me but they received the letter I sent .and they are not following the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate 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 ), that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that is not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair 2- ad decel ye, as thay did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, these fraudulent items persist on my credit report. 
Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loan was forgiven as of XX/XX/year>. Mohela stated it would take 90 days to hit my credit bureaus. As of this writing they have not reported. I have emailed them several times to no avail.
Product: Debt collection

I was not even living in MO on these dates. I was staying in XXXX for several months visiting my daughter 's. XXXX XXXX is a very common name so they obviously have the wrong one with me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Trans World Systems put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what shouldhavehappened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a  XXXX    XXXX   in  XXXX  of   XXXX  . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX /17    - one with   XXXX   and one with Transunion. I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b )  .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4100.00} {$4100.00} {$4100.00} No. of Months ( terms ) : - - - High Credit : {$3500.00} {$3500.00} {$3500.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Charge off Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Self-lender INC still refuses to remove the late payment despite sending official correspondence that they would request the deletion of the late payment due to my excruciating circumstances. I have contacted them numerous times and have not been met with a reply. Please see the official correspondence showing their response to the matter from a previously resolved CFPB complaint regarding the deletion of the late payment of all three of my credit reports.

I have also attempted to dispute this by sending it to the credit bureaus, to which they have come back saying Self Lender does not want to remove the late payment. This late payment has caused me extreme stress as I am still locked out from obtaining the ideal mortgage rate for my family and me.
Product: Credit card

I received care credit for my aligners from XXXX through Synchrony Bank. Balance was {$2000.00} paid way more than my minimum payment and then suddenly I saw an increase of {$770.00} on my balance called the bank the representative told me if I paid the remaining balance of my treatment within 3 days before the XXXX the interest would be waived and account will be updated and closed. I made the payment in full on that day just for me to check my credit report and synchrony is still reporting that I owe them over {$1000.00} contacted them again and this representative told me it was not waived and my account is still very much open and they are charging my account still. As a XXXX XXXX serving my country this is the level of dishonesty and fraud I have to face from a bank who offer credit for health treatments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX illegally reported with out written consent. XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX illegally report to 3 credit reports with out written consent. XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX illegally report to 3 credit reports with out written consent. XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX, NY XXXX reported to 3 credit reports with out written consent. all these violate written laws under us code 1681c-2 and us code 1681-b
Product: Checking or savings account

I still haven't received my funds, and this is causing significant issues for me. I have bills that are accumulating late fees, and I've already received late payment notices on my credit report due to these recent charges. Additionally, I had planned a weekend getaway for my wife and daughter, but now I can't afford it. I feel like my money is being held hostage, and all I receive in response is an apology. I urgently need groceries, and this situation is leading to punitive damages. As it stands, capitalone bank owes me a total of {$270.00} in late fees, a {$75.00} returned payment fee, {$1800.00} paycheck, plus more fees for returned auto withdraw late fees and credit reporting along with additional damages.
Product: Credit reporting

In accordance with section XXXX XXXX XXXX XXXX Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX by not later than 15 days after receiving a request from the consumer for that description. That is a DIRECT quote from the FCRA. I am complaining because for close to 3 months I have been asking for Validation from XXXX the furnisher and more importantly to me in this case the publisher of information ( the CRAs ) that concerns me and my credit health. I am asking for deletion of this information because they have not provided me with the furnisher of the information. It is NOT whom they are saying it is in there official response to me. ( The agency they are pointing me too as saying the verified it is saying that They do NOT REPORT to any credit reporting agency or anyone else for that matter. ) so why ca n't I know who is giving them the information??? I have been informed by Equifax agents ( on multiple occassions ) explaining that " as long as they say it 's verified it 's verified '' ... '' I am not allowed to know anything else '' ... What does XXXX mean??? And since they have never provided me any proof, why have they failed to delete it? Is Equifax XXXX above the Fair Credit Reporting Act? Section 611 ( 5 ) states Treatment of Inaccurate or Unverifiable Information XXXX XXXX XXXX In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I have a recording of this entire event that happend on Tues XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMME
DIATELY!