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

As of XX/XX/2018 the information shown on my credit report is not correct. This account was reported as cancellation of debt on XXXX in the amount of {$670.00} but yet shows on credit report as past due and and balace with all three credit bureaus. The account is with XXXX.
Product: Debt collection

Discovered today that this debt is reporting on my credit and is associated with a name and address that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau disputing inaccurate, unverified, erroneous items on my report. As of today over 60 days later I have not received any results nor investigation status. I told each bureau my information was compromised by the XXXX data breach and I feel more than ever that my information may have fallen into the wrong hands. Your assistance on this matter is greatly appreciated. At this point I feel like just another number instead of person. I don't know what else to do.
Product: Credit reporting or other personal consumer reports

There is a company that I have never heard of or heard from ( Not by phone, mail or email ) that put a collections on my credit report stating they are collecting for XXXX as of XXXX. I do not have XXXX and have not had XXXX for over 8 years. I have never received any collections from XXXX. This company did not follow the fair credit reporting act. When I disputed it with Experian they stated they investigated it which was false as there is no documentation of this debt or any communication provided to me. The company is called XXXX XXXX XXXX the amount is {$910.00}. So I would love to know how the account and information of me owing this debt was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act NCA Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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

Hello, I have disputed the below as i am unaware of the inquiries listed below. I believe I am a victim of Identity theft. The below is affecting my credit score and I am unable to make repairs on my furnace which is dangerous. I am asking that the below inquiries be removed from my report asap Please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) I have federally protected rights that have been violated. I have never signed a contract OR PROMISSORY NOTE with SOUTHWEST CREDIT SYSTEMS. Notice in fact, I am disputing any and all alleged debts that this company claims I may own past future and present. Any item furnished on my consumer report is a violation of 15 usc 1681b. Notice in fact that I've never given my written or verbal consent to these items being reported. violation of title 15 are punishable pursuant 15 usc 1692k by {$1000.00} per violation. I DEMAND THESE ITEMS BE REMOVED FROM MY FULL CREDIT FILE OR PAY ME {$1000.00} FOR EVERY MINUTE THAT THIS ITEM HAS BEEN ON MY CONSUMER REPORTS.
Product: Credit card or prepaid card

Chase offered a 0 % balance transfer option. However, they have continued to charge interest on various portions of the balance, without fully disclosing their practices. Their procedures for applying payments and credits to the various balances clearly evidence bad faith, and constitute unjust enrichment. 

Example 1 : Charges for disputed transactions are applied to a full interest rate transaction. There is no way for the consumer to remove the accruing interest until the account is paid in full. Even when the disputed transaction is refunded ( within the grace period ), or, when thousands of dollars over the minimum payment are made on the account.

Example 2 : Charges for an " annual fee '' are applied to the account and to a full interest rate transaction. There is no way for the consumer to remove the accruing interest rate until the account is paid in full. Even when 1 ) The promotion offer that promises 0 % interest is over 1 year in length, which constitutes false advertising for a 0 % rate when the annual fee then accrues interest over the 0 % offer period, 2 ) The annual fee is waived by the company, 3 ) when thousands of dollars over the minimum payment are made on the account.

Example 3 : Portions of charges are applied to a " cash advance '' interest rate when no such transaction took place. There is no way for the consumer to remove the accruing interest until the account is paid in full.
Product: Money transfer, virtual currency, or money service

In 2020 I sent a large some of money via XXXX that was reported and I was told I will not be able to receive my money back. A few times after this Ive had issues like such and nothing was done
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXXXXXX {$4900.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXXXXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 violated 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 and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

ON OR ABOUT THE DATE OF XXXX XXXX XXXX XXXX WHO REPRESENTS WORLD FINANCE CONTACTED MY EMPLOYER AND RELATIVE AND DISCLOSED MY PERSONAL INFORMATION WITH BOTH PARTIES STATING SHE WAS CALLING FROM WORLD FINANCE AND I HAD A PERSONAL LOAN WITH THEM AND SHE NEEDS TO SPEAK WITH ME. WHEN THE LINE WAS TRANSFERRED TO MY DESK I STATED, 'THIS IS XXXX XXXX XXXX XXXX THEN STATED, 'OH THAT MUST BE YOUR OTHER NAME '' I THEN HELD THE PHONE BECAUSE I CAN NOT TAKE PERSONAL CALLS AT WORK AND COULDNT TALK BECAUSE MY COWORKERS DESK IS LESS THAN TWO FEET AWAY FROM MINE. AND SHE THEN PROCEEDED TO SAY " HELLO, HELLO, OH DONT WORRY I'LL KEEP CALLING ''. I THEN HUNG UP THE PHONE AND LATER CALLED XXXX XXXX AND STATED HOW UNPROFESSIONAL SHE HANDLED THE SITUATION AND WHY DID SHE DISCLOSE NOT ONLY TO MY SISTER BUT MY EMPLOYER MY PERSONAL BUSINESS AND HER RESPONSE WAS " WELL SHE ASKED ". SHE DIDNT KNOW MY SISTER WAS ON BREAK WITH ME AND MY SISTER STATED EXACTLY WHAT SHE TOLD HER WHEN SHE CALLED AND XXXX THEN WENT SILENT ON THE CALL. I THEN FILED A COMPLAINT WITH THE CORPORATE OFFICE AND THEY STATED THEY WOULD GIVE ME CALL BUT I HAVE YET TO HEAR ANYTHING FROM THEM.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately. 


Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance 2. Inquiries : I do not recognize the following inquiry and request its investigation and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Disputes previously filed. 


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an American Express optima recovery credit card since XX/XX/2019, American Express offered me this credit card that time and they send me an invitation to apply as a second chance to rebuild my credit with them telling me that I have to hold this card for at least 12 months before I apply for any other credit card with American Express on a condition that during the 12 months period I have to use my card and make payments on time which I did along the whole 16 months now Now they have mislead me because I have tried to get a different card after this 16 months period of using the card wisely and paying on time and never missed a payment the whole entire 16 months and I got granted other credit cards with other banks provide me benefits. 
Now this American Express optima recovery Card never grant me any benefits and never helped me down the road as it was explained to me that American Express will consider me another type of credit card granting benefits once I have completed 12 months of using this optima recovery credit card. This card is benefiting American Express only.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies are mandated to perform their duties with fairness, impartiality, and a deep respect for consumer privacy rights. As a consumer reporting agency, Equifax is obligated to protect my private information. This critical responsibility is underscored by 15 USC 6801, which asserts that each financial institution has an ongoing duty to respect the privacy of its customers and to safeguard the security and confidentiality of their nonpublic personal information.

Entities that provide information to credit agencies, classified as financial institutions under this law, must adhere to 15 USC 1681 section 604 ( a ) ( 2 ). This section clearly states that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily with written instructions from the consumer. Equifax, along with the furnishers of information to credit agencies, does not have my explicit consent to share my personal information. Any previous consent, whether explicit or implied, is hereby revoked and considered null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without first informing the consumer of their right to opt out of such disclosures. The furnisher of information to credit agencies failed to inform me of this right, thereby neglecting to comply with the legal requirements. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly forbids consumer reporting agencies from including adverse information in consumer reports without proper authorization. This means that any adverse information reported without my consent is in direct violation of the law. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are expressly prohibited from furnishing inaccurate information to consumer reporting agencies. These sections also require the maintenance of reasonable procedures to avoid violations of the FCRA, particularly sections 1681c and 1681b. Equifax 's failure to uphold these procedures and ensure compliance with the FCRA indicates a serious breach of its legal obligations.

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. This regulation allows consumers to exercise their rights to privacy and control over their personal information. Therefore, I hereby exercise my right to opt out of your reporting services. This notice serves as a formal declaration of my decision to revoke any and all consents, permissions, or authorizations previously given to Equifax, whether they were verbal, written, or implied. 

By opting out, I expect Equifax to immediately cease and desist from any further reporting or sharing of my personal information. This action is taken to ensure the protection of my privacy and to uphold my rights under the FCRA and related privacy laws. I trust that Equifax will honor this request promptly and comply with all applicable legal requirements to safeguard my personal information.
Product: Credit card

I have XXXX credit cards with bank of america. 

XXXX was opened in XXXX and has a very low balance. 

They have never added it to my online profile, and have never sent any statements or correspondence. 

Attempts to contact them are pointless as hold times on every single line is over XXXX minutes. Going to a local branch results in that banker having to call the same number and waiting XXXX minutes. 

They do not have any options to email, or chat with them. 

All I want to do is make a payment and have access to the account on the website so that I can monitor it and ensure it does not go delinquent. It is absurd that they are allowed to have constant hold times of XXXX minutes. If we were a developed country this would be regulated by the government to ensure that this does not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match. 

I have attached documentation of the information. You will see that it differs.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with capital one account # XXXX # XXXX I contacted capital one back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called capital one because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which capital one advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Money transfer, virtual currency, or money service

I am riding to formally express my concerns regarding Zelles handling, my dispute, particularly in light of the recent CSPP lawsuit, highlighted significant issues with the platform disputing using Zelle numerous times and reported discrepancies my financial institutions in Zelle fail to investigate my claims adequately they informed me that recovering loss funds was impossible, and that tracking these transaction was unfeasible The CFPBs Finding indicate that Zelle has not only neglect to protect customers, but has also also allow repeaters to exploit the system, leaving others vulnerable to scam and lack of accountability and transparency is unacceptable and raises serious concerns about customer safety
Product: Mortgage

On XX/XX/2020 I received a payoff amount from Bank of America. I went the next day, got a Cashier 's Check in the amount of $ XXXX and sent to them in the exact amount they provided to me. They did not process the check until XX/XX/2020 and debited my account for approximately {$700.00} more than was owed ( my normal monthly mortgage payment ) ( XXXX ). Long story made short, they applied the entire payment to payoff the loan, added the excess to the escrow, sent my Cashier 's Check back to me and charged me one day of interest. It appears they did not take into consideration that there was a $ XXXX shortfall in the escrow account when providing the payoff. 

I spoke with them on XX/XX/XXXX after seeing the payment processed and was assured that the payment would be returned to me within 10 days. The Cashier 's Check purchased for the payoff was sent back to me on the XXXX of the month. I had called twice by then. The third call I made was on XX/XX/XXXX. That is the date on the envelope in which the return payment was made, although the check was dated the XXXX of XXXX. Curious that the check was mailed on the very day I suggested that I would be filing a CFPB complaint. 

I have asked them to pay the amount of the CC purchase ( {$5.00} ), the {$30.00} stop payment fee I paid to avoid a subsequent auto-debit to my account and the one day of interest. Crickets. 

My questions are : 1. Why did they not review the escrow balance when quoting the payoff? 
2. Why did it take so long to process the payoff? ( I received their check in 3 days ) 3. Why did they debit the total payment, hugely in excess of what was owed? 
4. Why was I not told on the first 2 calls how the payment was applied? 
5. Why was the return payment not made via ACH, which is the method by which they received payment? 
6. Why did it take 3 calls, on each of which I was told the check had been mailed on XX/XX/XXXX ( it hadn't even been cut yet )? 
7. Why did it take 7 days to mail the check once it was produced?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) XXXXXXXX XXXX account XXXX Open XX/XX/XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to Tower Loan, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were two different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Tower Loan continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Tower Loan, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Tower Loan has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Tower Loan violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Tower Loan above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Tower Loan is seemingly willfully noncomplying. Furthermore, Tower Loan continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Tower Loan, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Tower Loan continues to falsely verify as accurate. This has to stop at once!