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

I applied for an Amex XXXX XXXX XXXX with an offer of XXXX miles if a spent {$1000.00} within the first XXXX months. When I contacted American Express after the XXXX months, I was told that the offer was changed to XXXX miles if I spent {$2000.00}. However, time for me to spend {$2000.00} had expired so I was not eligible because I didn't spend {$2000.00}. When I explained that this was not the deal and that I had not been notified of this change, I was told there was nothing they could do for me. This is a typical bait and switch scam. I advised I would be reported them ( American Express ) and had them close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax and XXXX to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo closed a credit account on XXXX XXXX, 2016 and it's still reflecting on my credit report despite it being overly old.
Product: Debt collection

The subject debt was incurred on XX/XX/XXXX for a XXXX XXXX. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California XXXX tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in New York inXX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX, XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The XXXX XXXX, XXXX XXXX, XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several closed Charged off accounts on all 3 Credit Reports XXXX. XXXX. Experian. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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. The first and second payment to XXXX of {$4000.00} XXXX XXXX and {$4000.00} and XX/XX/year> was to the wrong person. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBP 's 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 is unnacceptable, and raises serious concerns over consumer safety.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXX XXXXXXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

It was a credit builder account that you pay and they put a fake {$2500.00} account on your credit report. I was never informed that they were going to charge off the account because I actually don't owe at them any money. When I tried to reach out to the company to actually just pay them the balance they refused and they told me there was no way to settle with them or get the account removed I tried filing disputes which have gone on answered for 4 months now. I tried to remove it with the credit bureaus for the last 4 months to know avail so now I'm reaching out to you.
Product: Consumer Loan

Some years ago my husband got a car from Drive Time which unfortunately was repossessed some years back. He ended up passing away last year. A few weeks back I was looking to co-sign for my son a car when and realized that Drive Time had just recently put on my credit report that the car was repossessed as if it just happened recently. On top of that I never co-signed for the loan as I had no source of income at the time but my husband. I am currently on a fixed income ( widows pension ) with Social Security and have tried numerous times to get in touch with Drive Time in order to get the paper work showing that I never signed on the loan but they have failed to come through as I just gets the run around with them and it has become so frustrated. This is not only a new burden I am facing but also brought my credit score to a low XXXX. Thank you!
Product: Credit reporting 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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! On XX/XX/XXXX, I submitted a letter requesting the removal of certain unknown information. And last month I found that the inquiries on my TransUnion Credit Report were removed. Today though along with my XXXX Credit Report, I found inquiries reporting in my credit file, which urgently needed of elimination or blocking of such information within XXXX business days. Here are the inquiries the NEEDED REMOVAL : XXXX : XXXX XX/XX/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

**Subject : Demand for Removal of Unauthorized Inquiries [ Your Name ] ** Dear [ Credit Bureau Name ], I am writing to formally dispute unauthorized inquiries appearing on my credit report with [ TransUnion/Experian ]. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company must have permissible purpose and my explicit authorization to access my credit report. The following inquiries were made without my consent : On Transunion the following are the following unauthorized inquiries. 
Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Company Name XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry:XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX On Experian are the following unauthorized inquiries : Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX As these inquiries were not authorized , they must be removed immediately to prevent further harm to my credit profile. I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter and which I have attached to this complaint.

Both Transunion and Experian were notified of this unauthorized inquires more than 60 days ago and have failed to investigate. Therefore, I am demanding the immediate removal of the listed inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding incorrect information on my credit reports to XXXX Equifax and XXXX and still have not received an update.
Product: Debt collection

I stopped being a customer of XXXX XXXX in XXXX, and switching carriers my balance was paid and my XXXX XXXX was paid off according to the store in XXXX XXXX Tx XXXX when I recently tried to use my XXXX XXXX it says sim is locked, I called XXXX XXXX to figure out what was going on and they said I owed a balance. I do not owe any debt with them.
Product: Mortgage

Hello, I have a XXXX open with DCU Mortgage. 
The XXXX has a limit of XXXX. 
I have taken out XXXX as of today. 
I am looking to pay XXXX back to reduce the loan balance. 
I am trying to pay this amount through electronic funds transfer without having to pay for the wire fee at DCU and at my originating Bank.

I had requested DCU to give me a one time exemption to increase the Online transfer limits to XXXX. 
They are refusing to do this and forcing me to Wire the funds. By refusing to do this they are forcing me to pay additional interest by not giving me a pathway to transfer funds and are also forcing me to wire the funds which means I will incur Wire Fee from my external bank as well as DCU. 
Are they allowed to force to wire the funds only? 
I have attached their email denying the exemption. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Please remove these incorrect previous address off my report.. I have never lived nor ever visted these address or states. 


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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX XXXX ...., XXXX XXXX XXXX .... & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has been paid off and closed, but it continues to impact my credit score negatively. I believe it may be in violation of the Fair Credit Reporting Act, as I understand that closed accounts should not be reported indefinitely. 
I have already attempted to resolve this issue by disputing it with the credit reporting agencies, but I have not received a satisfactory resolution. I kindly request your guidance and assistance in this matter. 
I have attached any relevant documentation, including proof of payment and closure, for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to thoroughly investigate and delete fraudulent accounts from my credit report. XXXX also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with XXXX since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing XXXX for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. State Farm Bank Acct # : XXXX
Product: Debt collection

I asked for letters to verify debt multiple times, which I did not receive till just recently on the XXXX of XXXX. I have asked for several letters in the past and this is the first. The wording of the letter Indicates I have not made any payments, which is also false I have made many up to this point. Also when today, XX/XX/XXXX I was trying to call in to pay the full balance I owed, I left XXXX a voicemail with my name and number to call me back and waited 4 hours till I tried calling again and she picked up and hung up.
Product: Checking or savings account

On XX/XX/XXXX I notified Truist that there were two fraudulent charges to my debit card totaling {$990.00} on XX/XX/XXXX for " XXXX '' ( airlines, I presume ). I submitted a claim for these two charges. While speaking with the representative I noticed a third charge from XXXX for {$300.00} for " AIR FEE & TAXES. '' Since I use this card mainly for bill pay, I do not check my transactions very closely. I overlooked the XXXX charge, certainly. But it would not necessarily have stood out as unusual as I travel fairly often. I have never flown XXXX, so that stood out to me. I figured this would be easily resolved with the {$990.00} claim credited back. I received a letter that the claim was deemed valid but {$930.00} was denied. Is spoke with the fraud claims department and they said this was because I failed to report the XXXX charge, which could have avoided the XXXX fraudulent charges. It is not clear at all that they are related and this amount of vigilance seems unrealistic. I have alerts turned on on my phone for when the card is used. I received no alerts for any of these charges. They said there was nobody else I could speak to to appeal the decision so I'm hoping the CFPB can help. Thank you.
Product: Checking or savings account

I am a resident of XXXX XXXX. I have not left the XXXX city limits for 4 years. I have a checking account and ATM card with Bank of America. On XX/XX/2020 a debit withdrawal in the amount of {$63.00} was made on an ATM machine at XXXX XXXX XXXX in XXXX, CA. I filed a claim with BofA, Claim # XXXX. After investigation the bank determined that the transaction was not mine and I was credited with the {$63.00} along with the transaction fee. I was issued an ATM card with a new number. On XX/XX/2020, another ATM transaction in the amount of {$68.00} was made at the same address in XXXX. I, again, filed a claim, # XXXX, and was told that after investigation my claim was denied because the transaction was made with a chipped ATM card. This was not possible. I am XXXX years old and been suffering with severe lower XXXX XXXX which limits my ability to walk. I know with all certainty that the new ATM card had not left my possession during that time period. I had not been any more distant from my city residence than 3-4 blocks. And used my card at a few businesses with which I had a long history of use. During the period from receipt of the new ATM card until the transaction occurred, I left my apartment no more than 5-6 times. I have not been to XXXX for at least 20 years. I have never given my pin number to any individual, ever. I received a letter from BofA denying the claim, but which stated that I could request copies of the documents used to reach that decision. Upon requesting said documents I was told that the documents were not available for my viewing. Living on {$1600.00} a month from Social Security, I am ultra careful of my expenditures, and I am always aware of the location of my debit cards, credit cards, ID, and other documents of importance.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.