23daVinci/CFPB_Complaints huggingface dataset:
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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB '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. The lack of accountability and transparency is truly unacceptable.
Product: Debt collection

Debt was sold to collection agency without my knowledge. Also listed on the paperwork as there was no notice given, attached is email thread with dates and times a notice was emailed to apartment. Apartment also listed notice was given on XXXX. Which one? Did I give a notice or not? Also attached is the date and time notice was sent prior to XXXX with a response from the apartments.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

RE : Formal Demand to Remove Inaccurate XXXX XXXX  Account from Credit Report To Whom It May Concern, This letter serves as my third and final demand that you immediately remove the inaccurate child support account information from my credit report. I have previously notified you of the inaccuracies, yet no corrective action has been taken. This ongoing violation of federal law demonstrates negligence and disregard for your legal responsibilities. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally obligated to ensure that all information you report is accurate, complete, and verifiable. Specifically : 1 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report. 
2 15 U.S.C. 1681i ( a ) ( 1 ) : Upon notice of a dispute, you are required to conduct a prompt and thorough reinvestigation to verify or remove the contested information. 
3 15 U.S.C. 1681n : Noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of {$1000.00} per violation, punitive damages, and attorney fees. 
In addition to your violations of the FCRA, multiple court rulings have affirmed the illegality of reporting inaccurate or unverified child support accounts to credit bureaus : XXXX XXXX XXXX United States ( XXXX ) : The court ruled that the federal government wrongfully reported XXXX XXXX arrears to credit bureaus and ordered the records expunged. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The court found that the XXXX XXXX agency violated the paying parents due process rights by reporting arrears without proper notice. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The court reversed a decision to report XXXX XXXX arrears due to a lack of evidence and improper procedures. 

I have solid evidence that the XXXX XXXX account information you are reporting is false and was provided without proper verification or notice. I have never provided my consent for this account to be reported, which is an additional violation of my rights. 

As a result of your continued failure to comply with federal law, I have suffered significant harm, including financial damages and emotional distress. Therefore, I am demanding : 1 Immediate removal of the inaccurate XXXX XXXX  account from my credit report. 
2 Payment of {$1000.00} in statutory damages per bureau for failing to comply with the FCRA, payable to me at the address listed above. 

If you fail to comply with this demand, I will have no choice but to initiate litigation against all three credit bureaus for willful violations of the FCRA and associated damages. In court, I will seek the maximum allowable damages, including statutory damages, punitive damages, and attorney fees. 

This is your final notice. I strongly urge you to take this matter seriously and fulfill your legal obligations. Contact me via email only. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact via email only XXXX All rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Payday loan, title loan, personal loan, or advance loan

This is a complaint against Klarna , Inc. ( " Klarna '' ) and XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) for unapplied payment of {$89.00} towards a debt owed to Klarna. 

Key Facts and Timeline : XX/XX/XXXX : I made a payment of {$89.00} to XXXX XXXX towards a debt owed to Klarna. This payment was a part of a payment plan that included XXXX payments of {$89.00} starting in XX/XX/XXXX. 

XX/XX/XXXX : XXXX XXXX confirms the {$89.00} payment was sent to Klarna and states it would take up to XXXX business days to apply. 

XX/XX/XXXX : I paid the balance of {$260.00}, which settled the account in full. The {$89.00} payment was not reflected on my Klarna account prior to making this payment. 

XX/XX/XXXX : XXXX XXXX states that the account has been " settled in full and closed out. It confirmed that Klarna would be handling this account, and any refunds due for this account will be resolved with Klarna not XXXX XXXX. 

There appears to be a disconnect between XXXX XXXX and Klarna regarding the payment processing for the {$89.00} payment made on XX/XX/XXXX.
Product: Checking or savings account

Chime Bank has had five separate incidents of customers not being able to use their own cards- neither their debit cards, nor their credit cards, within the past twelve months. 

Most recently, I reached out to Chime because my debit card had been declined with more than enough funds. First, they tried to deny the issue. When I continued to send evidence via screenshots, they told me there was an issue with the merchant. When I pressed and said the issue had replicated with *multiple* merchants, they told me that both of my cards, credit and debit, were defective. I asked about the credit card because Chime, as a bank, had a deal with their clients that if more than 100 purchases were made using their Credit card, a metal card would be issued. However, they made it very clear that the metal card was single issue and would not be replaced under any circumstance. I inquired about this, as it took months for me to make it to the 100 purchases, and following my inquiry, Chime has cut off all communication. 

I have sent three emails in the past three days. I have been unable to use my credit or debit cards at all, and ALL of my money is in my accounts ( my direct deposit goes here ). I was unable to purchase the money order for my rent ; I have been unable to purchase groceries ; their phone line just states they have too high a call volume to answer, try looking online for answers. Their online bot is off ( has been for at least the past two weeks, 100 % of the time ), and the multiple emails to customer service have gone unanswered. 

I need help. I have more than {$1000.00} stuck in those bank accounts frozen, and that's all I have. This has been an incredibly frustrating issue, and it is the fifth time in the past twelve months that all funds for some or all Chime members have been frozen/inaccessible with little to no accountability for the financial institution. Once I get my money, I will be closing my accounts and choosing a new financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$84000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.
Product: Payday loan

Since XX/XX/2015 I started making a small loan from CashNet USA in order to help me get back into my XXXX from being off during the XXXX. I borrowed a total of {$500.00} over 3 months, but now after paying back on the loan every two weeks ( when my checks come ) in I 've payed back over {$530.00} but still owe {$530.00} with % 275.85 interest. It is almost impossible to pay back the loan since the interest is so high. I did n't realize this when I took the loan nor did I read my statements until I realized that what I was paying every two weeks was being absorbed as fees and interest on the balance.
Product: Credit reporting

California issued a tax lien in XXXX XXXX related to taxes I had paid in full. Upon an investigation at my request, CA FTB acknowledged the error and released the lien in XXXX XXXX, but unfortunately CA only issued a standard lien release, which is now on my credit report. Following a discussion with CA FTB explaining the error ( in preparation for applying for a mortgage this year ), the lien was released as a Lien Release Notice - Lien Recorded in Error, in XXXX XXXX. 

Equifax is the only CRA who has not deleted the public record despite my disputing the public record twice since the Lien Recorded in Error was recorded in XXXX County and providing documentation. I have also followed up with no less than 3 calls with Equifax. Based on the dispute outcome and the calls, I suspect Equifax did not investigate the claim at all. Not only did I provide a copy of the Lien Release Notice- Lien Recorded in Error, but on that same notice California provides a phone number specifically for Credit Bureaus. In addition, all evidence of the original lien, original lien release, and lien recorded in error are all readily available online in a search that would take no more than 2-3 minutes. Even the most perfunctory investigation would have resulted in the removal of the public record from my credit report. 

I am reaching out through the CFPB site in the hope that Equifax may actually review the materials attached and conduct a proper investigation. I am enclosing a package that includes, among other items, ( i ) a cover letter, ( ii ) the original lien - certified, ( iii ) the original lien release - certified, and ( iv ) the lien release notice - lien filed in error - certified. 

The link between the lien filed in error and the other documents is made clear through bearing the same certificate number, original case number ( Doc No. Book No XXXX ), and original case date. 

I would hope that these certified copies from XXXX County will be more than sufficient to remove all public notices related to the original lien or lien release from my credit report.
Product: Debt collection

A new collections account was placed on my credit this month by I.C. System, INC., which I had no knowledge of this account. The original collections agency account had a comment on my credit report saying it was from XXXX XXXX XXXX XXXX and a comment stating that was apart of a natural disaster. I have never been effected by or apart of a natural disaster. I have attempted to dispute this dispute this twice. It remains updated as correct. I contacted the collection account and requested proof of this debt. They say this was a medical bill in my daughters name from 2017. I explained that my daughter had 2 different insurance companies that wouldve taken care of any remaining medical bills. They send me on a goose chase to try to contact the original creditors or the insurance companies. Im attaching photos to show she had a secondary insurance of XXXX that wouldve taken the remainder or any medical bill. XXXX should not be coming to me after 4 years. Ive never received a single bill from them nor any statement for anything. This is fraudulent. I will also show the pictures of them claiming this was something with a natural disaster which is also a fraudulent claim.
Product: Credit card

I've tried to use the card. They tell me I need to visit once of their bank branches to resolve some issue they won't disclose to me. BMO doesn't have a branch in my town. I just want to cancel the card and get my yearly fee refunded since the card has not been usable for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently response with in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA. 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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

TransUnion in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 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.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be  subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B  ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that TransUnion themselves and XXXX has deleted as inaccurate : XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRAsection 605b credit bureaus are required to remove/block any item listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not investigte an account on my credit profile for Dept Of EDXXXX, U S DEPT. OF EDUCATION/XXXX, and XXXX XXXX XXXX this is not my account and I hv never hd an account with them.
Product: Credit card or prepaid card

It has come to my attention that Bank of America Has fraudulently opened an account using my credit card. Bank of America never informed me that they were debt collectors.