23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an Ashley Furniture credit card ; there 's been a pending charge to my card since   XXXX  2016    from a store ; which no one seems to know or ca n't locate. I reside in  XXXX , I 've always paid cash for my purchases at this store ; yet they provided me the store phone number. I humored myself and made the call to hear, what I already knew.  I spent two hours on the phone on a Sunday and Monday ; trying to fix this situation ; yet 6 months later with still this pending charge ; 1 month continuously trying to rectify this situation. I 've had to call numerous store ; which the customer represent constantly, rude or tell me where I to need to call.  Then I had to call Colorado and that the represent was rude and told me their store does n't handle fraud. I 'm continuously, going around in circles, if I close the account it becomes as a negative mark against me. Which I contacted to cancel the card since I ca n't get it straight, now I ca n't close because I have a pending charge. Which on my statement I do n't have a balance ; what is the time frame a consumer has to whole this so-call pending charge on my account. Why is n't red flags against my acco unt for this. Wonder, why fraud is on the rise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and was declined by Open Road LLC to refinance my vehicle on or about XX/XX/2020 and I received legal notice in the mail I was declined. 
Then I received a call from a XXXX at XXXX XXXX XXXX on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-Open Road did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX  that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX  Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called XXXX XXXX XXXX on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like XXXX XXXX  would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with Open Road LLC selling my sensitive information after declining me as this could lead to fraud. I read the Open Road disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER Open Road LLC declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from Open Road and ALL of their affiliates files.
Product: Credit reporting or other personal consumer reports

I never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute Account Name/Number : [ XXXX XXXX ] Nature of Dispute : [ Account date opened, last date reported and date last active is not accurate ] I believe this information is inaccurate for the following reasons : [ TransUnion date open is reported as XX/XX/XXXX and Experian open date is reported as XX/XX/XXXX ]. 

Legal Basis for Dispute Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly.

Furthermore, case law has clarified the duties of CRAs in disputes : - XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by 15 U.S.C. 1681e ( b ). 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 
Request for Resolution I request that you : 1. Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ).

2. Delete or correct any inaccurate or unverifiable information.

3. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information.

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX sent me a bill via email XX/XX/23 to pay {$270.00} for dates of service XX/XX/23 to XX/XX/23. I contacted XXXX XXXX via phone to explain the bill. I was also on the Federal Broadband program. First I was told that my services were temporarily suspended XX/XX/23 and permanently disconnected XX/XX/23. Then I was told my services were disconnected XX/XX/23. I have called several times about the bill I received XX/XX/23 The billing reps had no idea what was going on with the bill. Calls were escalated and those reps couldn't tell me why I received a bill for dates XX/XX/23 to XX/XX/23 of service when I did not have service. I also requested a disconnect notice and have not received it. 
I do not owe XXXX because I did not have service for the period XX/XX/23 to XX/XX/23. 

Eastern Account System has reported this to all of the credit bureaus and has made a false and fraudulent representation of this dept as an installment as well as another that this is a collection that I agreed to. I do not have any agreements with Eastern Account System. This account should be removed from all of my credit reports and returned to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate reporting by XXXX XXXX XXXX on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX XXXX XXXX has sold the debt numerous times and at the same time continued to report the debt under XXXX XXXX XXXX XXXX. I contacted the company XXXX XXXX XXXX is using called Credit Control LLC in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX XXXX. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX XXXX XXXX and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX XXXX XXXX has that showed I did not pay these loans in full. I received a letter from Credit Control LLC stating that XXXX XXXX XXXX investigation response is that I still owe the loan amount and Credit Control LLC would continue to report on my credit the amount outstanding under XXXX XXXX XXXX name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX XXXX XXXX has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX XXXX XXXX on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX XXXX XXXX has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX XXXX XXXX and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX XXXX XXXX and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX XXXX XXXX I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX XXXX XXXX and its Creditors is something they have yet to provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with The Fair Credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681- Account name : XXXX Acct # XXXX has violated my rights Account name : XXXX XXXX XXXX Acct # XXXX has violated my rights Account name XXXX XXXX Account # XXXX has violated my rights Account name : XXXX XXXX Acct # XXXX has violated my rights Account name XXXX XXXX XXXX Account # XXXX has violated my rights Account name XXXX XXXX XXXX Account # XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX XXXXXXXX has violated my rights Account name XXXX  XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C. 1681Section 604A section 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S.C. 1681c ( a ) ( 5 ) a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

A bank account with was opened in my name with Bank of America. When I discovered the fraudulent account I requested the account be closed. I followed the requested steps from Bank of America but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to XXXX, XXXX and Experian disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  accounts bellow .XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable. cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my Experian account. They changed the process so you have to create an online login to access your freeze account and place a temporary lift. It keeps saying that my information is incorrect and so I can't access my account. The options are to fully cancel my freeze ( which I don't want to do, just need a temporary lift ) via phone or to submit a form to cancel/lift the freeze. Neither option explains how it will reinstate my online access. I can't mail a form everytime I need to lift a freeze. 
All I want to know is how to verify my identity so I can get into my experian account online but there is no information available.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes. Particularly in light of recents cfpb lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my Finacial institution and Zelle failed to investigate my claim adequately. The cfpb findings that Zelle not only neglected to protect customers but leaving them vulnerable to scams. This raises concerns
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i was using my credit card from 3 years with XXXX and this year in 2022 I decided to get another credit card and i found out that there are multiple files are open on my credit file so i first contacted with XXXX I disputed many times and it started in XXXX and I never got any solution for it and in XXXX i decided to contact trans union i ask them for my credit report and when i got it i saw incorrect information like addresses and phone numbers also car financing and some other inquiries when i sent the report back they said i have wait for 30 days to get your information update and i waited then I called them again after 30 days but they said i have to wait or 7 to 10 business days and i waited then I called again on XX/XX/XXXX and they said my ids are not valid so i have to send my passport and driving license and sin number! They mixed up my file with someone and they are not even trying to fix it so I would like to sue them for it if possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX are reporting late payments in my credit, and i paid on time.
Product: Checking or savings account

I opened a high yield savings account with XXXX XXXX bank on XX/XX/2023. Due to issues with THEIR online banking system, when I transferred in my money to fund the account, the transfer was duplicated. I recognized the problem immediately and contacted them to have the duplicate transaction voided but they said they were unable to do this manually. It took over a week for their system to understand it was a duplicate transaction. Once this was finally resolved I realized I didn't feel safe having my funds saved with such a poorly run bank and tried to transfer my funds back out and and close the account on XX/XX/2023. They then put my account on a fraud hold. 

I have now called repeatedly trying to remedy the situation by verifying my identity so the fraud hold can be released so I can have access to my funds again and to close the account. Their customer service team just keeps putting in " tickets '' to their fraud department that never get answered. When you call their fraud department, you get sent to a voicemail box that is always full and can't take new messages. 

At this point I am legitimately getting concerned that I will never have access to my funds again and the money I have been saving all year to pay my property taxes next month with are in those funds! This is starting to feel like fraud itself. Any help I can get would be highly appreciated. 

I went online and they are countless websites with people complaining about their horrible experience with this bank. Please someone step in and regulate their shady business practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXXl Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number - XXXX Account name : XXXX XXXX XXXX  Account XXXX - XXXX These accounts have 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 : 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 cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute about some personal information regarding my credit score and potential fraud as there was a closed account in my name. I uploaded my passport, social security and ID letting them know that I am currently XXXX. The account was charged off by XXXX in XXXX. I however was born in XXXX so I cant possibly know who or what happened when i was only XXXX XXXX XXXX at the time. I even proceeded to write them a letter with additional information provided such as my address on a banking statement. However on XX/XX/XXXX my dispute stated that the charge of would remain because the information was correct when XXXX matched the information. Yet I dont see how that could be possible when I sent in all information proving that the information regarding my account as a whole was wrong it stated that my birth year was XXXX when i specifically sent in documents proving that I am XXXX. There is no way that a XXXX XXXX XXXX could have opened this account and I feel as though Experian didnt do enough for my situation. I am very disappointed because as a young adult I should be able to build my own credit not start off with poor credit based upon something I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and called both the credit bureau and these two collection collection agency 's who  refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on Equifax Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No Contract with creditor. 
Refused to validate the debt per Federal law requirements Would not provide a forensic analysis as requested to prove account balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

information furnished is inaccurate. tried to resolve many times before. NEED DELETED for INACCURACIES!
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRADULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Checking or savings account

Western Union refuses me to transfer my money from my debit account to myself in person. They refuse to give me a reason why.