23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of consumer protection is unacceptable. 

I request immediate action to resolve this matter and reimbursement for the unauthorized transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my XXXX XXXX account XXXX*I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Debt collection

Long story short I had XXXX back in XX/XX/XXXX I reviewed XXXX after getting discharged from the hospital and my bills were back dated. Things were a mess and finally got resolved after almost a year. All of my bills were finally all off of my credit minus a few here and there unfortuantely. All of my collections were officially removed about two years ago. I have not heard from collections, received anything in the mail, phone call or anything. My credit has been great, I 've never been late on a bill or anything. Well recently I got an alert from XXXX XXXX and have a bill sitting in collections for about {$670.00} I believe and I automatically contacted them wondering if maybe one slipped through recently since it was reported for XX/XX/XXXX.. I call and talk to a representive who says it 's from XX/XX/XXXX I explained to her that it was impossible because everything was taken care of and if anything it 's been seven years litterly in about a week. She told me my only option would be to pay for it again and threatened me that there was several other bills. I hung up with her and investigated the company as much as possible and read other people 's reviews of the exact situation I 'm suffering from and XXXX the same amounts. ( Which is odd ) I then filed a bbb report on them and was communicating with XXXX and I explained to him how it was clearly a scam and they have purchased or got a hold of old collection/medical bills and they 're trying to get me to pay for these again. He ignored everything I said and never replied acknowledging anything I was saying as it was my proof. I looked this company up on the assesors and it 's clear that they have had several licenses revoked and have went under serveral different business names as well. I still continued with the bbb dispute and the last response I received from him was " when they get proof it 's the consumers open debt they would send it out to me. '' So you mean to inform me that I have a collections account open when they have absolutely no proof but when and if they get something they will send it? So you 've never sent me anything? They also told me it 's now from XX/XX/XXXX and not XX/XX/XXXX. Regardless of it being XX/XX/XXXX or XX/XX/XXXX it would n't be able to be placed back into collections. They never responded to me, and I never heard or received anything. Bottom line it is illegal to place and old collections account back into collections. They have now called me from all kinds of different area codes repeatedly throughout the day but never leave messages and if I answer they say nothing to me. I feel like it should harassment to call through the night and all day with no response. I feel like they 're attempting to cover their end and have me back down on my dispute. I have filed disputes with all credit agencies, bbb and contacted my consumer complaint in XXXX and I 'll be doing XXXX as well after this complaint with you guys as I am now a XXXX resident. I just need help having this current bill put to a stop and all the others as it is effecting my credit tremendously. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the XXXX prior complaints. They simply copied and pasted the reports and did not do any research. I asked for a thorough investigation and proof and they didnt provide that. This has caused me sleepless nights and stress and I feel like Im not being listened to i have XXXX negative accounts on my report that have not been validated. You need information and need to know who the credit bureaus spoke to i ask for this and they did not provide me anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus via certified letters, to have this XXXX XXXX closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease drastically. I am in a financial hardship and am a single mother. 
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Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, XXXX, and Equifax regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

Details of the Inaccuracies XXXX. Incorrect account dates that do not match the original creditor 's records. 
XXXX. Inaccurate balance amounts, which are not consistent with actual account statuses. 
XXXX. Payment history errors, such as reporting late payments that never occurred. 

The continued reporting of inaccurate information violates : FCRA Section 607 ( b ) : Failure to ensure maximum possible accuracy in credit reporting.

FCRA Section 611 ( a ) : Failure to conduct proper reinvestigation and remove unverifiable data.

Equal Credit Opportunity Act ( ECOA ) : Reporting inaccurate information that affects creditworthiness may result in discriminatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX  XXXX : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the three time I disputed this issue. 

Every time I dispute this item the credit agency updated this item with new inaccurate information. 

I will attached a screenshot of the credit bureau adding on more inaccurate data regarding this item. 

I have submitted proof that XXXX did a investigation and has delete the inaccurate item from my report. 

ALL INFORMATION THROUGH THE CREDIT AGENCIES SHOULD MATCH. 

The credit agency is violating : Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in your report.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Debt collection

I recently reviewed my credit report and am writing to dispute the accuracy of certain information being reported. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. I believe the following accounts and information are inaccurate and should be removed or corrected : JEFFERSON CAPITAL LLC # XXXX XXXXXXXX JEFFERSON CAPITAL LLC # XXXX XXXXXXXX Additionally, I request the removal of any inaccurate address associated with my credit report. 

According to the FCRA, specifically Section 611 ( 1681i ), when a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable reinvestigation to verify the accuracy of the information and update the report accordingly. If the information can not be verified, it must be promptly deleted or corrected.

Furthermore, per Section 623 ( 1681s-2 ), furnishers of information are required to provide accurate updates to consumer reporting agencies and ensure disputes are properly flagged. Accounts disputed by the consumer must be clearly notated on the report during the investigation period. Failure to do so violates federal law. 

Your failure to investigate and properly notate these disputed accounts as required is a breach of the FCRA. I respectfully demand the following actions : Immediately remove the accounts listed above if they can not be verified.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Experian this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX of the XXXX Offs the account has repeatedly been updated as charge - off every month. This is an update on the payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX California XXXX XX/XX/XXXX CHASE BANK XXXX XXXX  # XXXX XXXX XXXX De XXXX XXXX : Chase Credit Cards Account Numbers : 1 # - # XXXX - {$800.00} 2 # - # XXXX - {$5200.00} 3 # - # XXXX - {$2100.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE BANK XXXX would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX., XXXX Without Prejudice XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated the law. As I stated I have kept close documentation and records of all communication and action taken on this account with the company.  XXXX  failed to report account as disputed within the le gal 30 day tim e frame. They have no sent validation of the account nor my signature showing contractual obligations binding me to this account within the legal allowe d 15     days to provide proof. The account also is incompletely reporting and not following   XXXX   XXXX   compliance. I will be filing a lawsuit with the court closest to me against this company seeking up to {$1000.00} for each violation as well as attorney and court fees.
Product: Checking or savings account

XX/XX/year>. I believe all banks in XXXX should reimburse people who have lost money to scams like XXXX XXXX does. People can't hold the burden all alone be the sole person to be liable and responsible for being misled and scammed or identity theft.
Product: Credit reporting or other personal consumer reports

I recently became aware that unauthorized fraudulent accounts, addresses and inquiries have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Product: Mortgage

I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). 
Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something likeXX/XX/XXXX/XX/XX/XXXXas the initial date. 
There are lots of discrepancies on their website to reflect the balance and total. 

When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXXXXXX XXXXXXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Checking or savings account

On XX/XX/XXXX, after receiving a promotional offer from Huntington bank for new business accounts, I and my husband appeared in person at the local branch to see if we qualified for the offer, having received personal promotions from Huntington in the past. We met with XXXX XXXX the branch manager ( XXXX ) who assured us that since this was a business account, our previous promotion awards did not disqualify us from the offer. My business was in the name of XXXX XXXX XXXX. XXXX helped us fill out the application and gave us our promotion code ( XXXX ), The offer was to deposit {$20000.00} and keep it in our account for at least 60 days and keep the account open for 90 days. We deposited the funds on XX/XX/24. After the 60 days elapsed, we tried to contact XXXX to see if we had completed the initial requirements for the bonus. We appeared in person again at the branch. XXXX informed us we didnt qualify for the bonus because we had received personal promotion bonuses in the pastand Huntington decided we didnt deserve the bonus. We protested to her that our first question to her when we opened the account was that we had told her about previous bonuses we were awarded. XXXX didnt deny this but said the decision wasnt hers and she couldnt help us. She referred us to a district manager to appeal but after 4 unreturned calls, we gave up trying to reach him ( XXXX XXXX XXXX ).
Product: Credit reporting

I want Equifax to review the attached letters of proof of payment from XXXX XXXX XXXX. I paid the full balance off of the following accounts : XXXX XXXX XXXX and XXXX because, I want the accounts deleted from my credit report. The above accounts do not belong to me. The accounts are a result of identity theft. I am a victim of identity theft. 
The accounts are paid.
Product: Credit reporting or other personal consumer reports

This debt collector has engaged in abusive, deceptive, and unfair practices, which are prohibited under the Fair Debt Collection Practices Act ( FDCPA ). They reported an account that I neither agreed to nor signed any contract for. A valid legal contract requires the signatures of both parties, and I did not participate in this agreement. Furthermore, they failed to follow the required five-step validation process, which constitutes unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated in this instance.
Product: Debt collection

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXX XXXX  XXXX from XXXX XXXX for {$490.00}. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX I'm having issues with seeing my credit score, as well as someone is using my social security number, i have filled a fraudulent report... 
However I Haven't been able to check or login on nether of my credit reports, seem like some changes of phone number an as well as my email, so it's making it very difficult for me to access my information.. Whomever if you guys can send me my credit report, so i can send it over to my job please that will be great..an as well as if someone can put a freeze on all my accounts until this is fix.. I apologize for the late response, I had death an my family