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

I submitted a credit dispute over a fraudulent late fee that was sent to collections through creditkarma.com. After almost XXXX months the investigation is still on going. The completion date was supposed to be complete on or by XX/XX/year>. However, its been almost XXXX months without a single update, or response from creditkarma.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of  15 U.S.C. 1681. Y ou are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX  , defines  XXXX  as,  1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 )  To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and  Verification as , Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s  ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  XXXX  hand knowledge of the alleged accoun t ( s ) and all that has ever transpired for the alleged account ( s ), un der oath and under the penalty of perjury. As I am sure that you are well aware, curren t Federal case law states that, Consumer Reporting A gencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to th e Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law . I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.      XXXX   XXXX  #  XXXX  Unverified Account-No  XXXX   XXXX   XXXX  Bank #  XXXX  Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles Handling of disputes, particularly in light of 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 has 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: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Credit card

I have a Chase credit card on which I am carrying a balance at a 3.99 % promotional rate for life. I made several purchases before XXXX on the Chase card at a rate of 14.25 % for new purchases. So as not to incur interest on those new purchases I made a payment equal to the Minimum Payment due plus an amount to equal the new purchases I had made, with a little extra for any interest that accrued since the date of my purchases. I did this for XXXX pay cycles to make sure there was not a balance under New Purchases at 14.25 %. It is my understanding that all monies paid over the minimum due will be posted to any purchases at a higher rate. It was not. 
Chase says even though I had made the purchases and those purchases were being charged 14.25 % from the date of purchase the full amount of my excess payment was not applied to the higher interest rate because it was not part of the previous Billing Cycle. XXXX, the account XXXX for Chase, admitted that the new purchases were on my account, when I made my excess payment, and that I had been paying the higher interest rate on those from the date of purchase, but XXXX said that the full excess payment was not applied to the higher interest purchases because the charges were not included in my previous billing cycle. XXXX said " it was the law ''. 
I am currently still paying 14.25 % on a balance that should not be there. I followed the rules as they were explained to me by a Chase representative and got screwed. 
I am contacting my Congressmen in hopes that this will stop once and for all. 

Had I waited for the new purchases to hit the new billing cycle I would have paid even more interest. Is this the way the new financial rules are suppose to work? More interest for the banks?
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX is attempting to collect a debt of {$3200.00} from me. The original creditor is XXXX XXXX XXXX XXXX. I had no idea who either of these companies were as I never received any letter or email stating that I owed them any money. Furthermore I never signed any contract with either company authorizing them to charge me {$3200.00}. Recently I discovered that my ex roommate also received the same account in collections so I called the leasing office of an apartment that I lived in on a XXXX month lease, XXXX XXXX, in XXXX XXXX California. They responded by email without acknowledging any debt that I owed them and simply told me to contact Hunter Warfield. I am still unsure of the source of this debt in collections but I did email XXXX XXXX and showed them all of my receipts clarifying that I paid rent in full. I also sent them a screen shot of the {$9800.00} that the California Covid rent relief program paid them for the XXXX months that I was unable to pay rent due to Covid. They actually received more money from the program that I owed them! And now they are trying to collect more money from me. I kept every money order and cashiers check so I have proof that they were paid in full. And I also have a copy of what the rent relief program paid them.
Product: Checking or savings account

I shopped with Afterpay ( pay in 4, no interest ), for quite a few orders, mostly in XXXX and XXXX this year. They pay the full order total to the merchant, XXXX, for example, and I pay Afterpay 1/4 every 2 weeks. I used the service many times, and almost always paid afterpay the whole balance way before it was due. So, I returned quite a few items to the merchants directly, packaged, took to XXXX to mail, etc. When the merchants refund the money, it goes to afterpay, who has an incredibly confusing way of refunding, if you haven't paid it all yet, then afterpay is supposed to deposit into my cash app. Since my orders were paid in full, it should've been the whole refund amounts, no formula needed. I recently realized, they are not actually putting money in my account, just pretending to. ( I'll include lots of proof ). I even kept a XXXX balance on Cash app, just to be certain, and sure enough, 2 different " refunds '' were put in my cash app, and my balance was still XXXX. I even have emails from afterpay, saying the refund process is failing, and they want all my banking information to try again. Only after weeks of CASHAPP and afterpay " support '', me proving at least a dozen times what was happening, did I finally receive the two smallest refunds. I am starting to think cashapp and afterpay are perhaps in on it together, because it's pretty obvious the refunds are bogus, and cashapp support constantly responds with some random answer that literally has nothing to do with my issues. I'll send screenshots, but even the afterpay " refunds '' don't look like refunds. Any refund I've gotten when I didn't use afterpay, has a +in front of refund, but afterpay either crosses out the amount, or just puts the word " refund '' but does not add money. I'll attach lots of proof.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
Summary of Errors and Discrepancies : Account Number : XXXX High Balance : {$4200.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : Late payments reported as 30 days late in XXXX, 60 days in XXXX, 90 days in XXXX, and 120 days in XX/XX/XXXX. These discrepancies conflict with my verified payment history and documented bank statements showing payments made well within the due dates for these months. 
FCRA Violations : Failure to ensure maximum possible accuracy as mandated by 15 U.S. Code 1681e ( b ).

Non-compliance with the investigative procedures outlined in 15 U.S. Code 1681i, requiring timely reinvestigation of disputed information. 
Reporting inaccurate information violates 15 U.S. Code 1681s-2.

TILA Violations : Inconsistent and late reporting violates 15 U.S. Code 1666b, requiring timely and accurate billing disclosures.

Non-compliance with 15 U.S. Code 1637 ( b ) for accurate reporting of payment details.

Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction.

Failure to address and correct these inaccuracies will result in further escalation, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX XXXXXXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : 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 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
Product: Credit reporting or other personal consumer reports

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, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
Violation # XXXX XXXX XXXX XXXX - XXXX HARD INQUIRY XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 
Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 
In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 
Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 
Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX, Account Number XXXXXXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX will not comply with fcra guidelines Im attaching a report with accounts that should not be on my credit anymore due to identity theft I filed many claims I have also provided a police report many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....
Product: Credit card or prepaid card

Good afternoon, my name is XXXX XXXX. I am reaching out to u, due to the fact my account was hacked and my entire account was drained ( {$3600.00} ), with only {$22.00} remaining on the card the card was terminated and I received a new one. The felonious charges that were made were from the state of New York, I live in XXXX XXXX, can. Bank of America EDD is the company.This incident took place XXXX XXXX. I have already filed a claim, but I'm being told I would have too wait from any where from 45-90 days until case is resolved to receive the money stolen out of my account. I spoke to claims..and I have been getting the run-around..i was told 5 - 6 different answers of when my money will be returned.Due to the pandemic and the end of the month, there is no way I can wait that long. My rent was due XX/XX/XXXX, late fee starts on the XXXX of XXXX. I understand that Bank Of America have a policy that they follow, but I ask that something be done concerning my case in a more expedient manner. I have XXXX children, ages XXXX and XXXX  years of age. So I humbly ask something can be done, I look forward to hearing from you and thank you for your time. # Claim number XXXX ..my phone number XXXX