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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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 remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is 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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : {$45.00} 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 XXXXXXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I ordered a bike at XXXX on XX/XX/2024. XX/XX/XXXX they responded " Your order is on ithe way ''. On XX/XX/XXXX, I asked via email ( XXXX ) " Do you have a tracking number ''. No response from XXXX until XX/XX/XXXX were they replied they were apologizing for the delay and that my item ( bicycle ) had been dispatched to their courier. On XX/XX/XXXX, I responded to XXXX, " Hmmm. No tracking yet. '' On XX/XX/XXXX, I emailed XXXX  again, " So still no tracking number. It's looking like there never will be a tracking number. So unless I get it by today or at least the name of a courier, I will be calling my credit card company and dispute this charge ( Citi ). No response from XXXX. On XX/XX/XXXX, I emailed XXXX let them know that I notified Citi since XXXX  refused to provide the tracking number or the name of the courier. No response from XXXX. On XX/XX/XXXX I emailed XXXX, " Since nothing has changed with my order, providing a tracking number/courier name, I am canceling order # XXXX, completed on XX/XX/2024 and request my {$98.00} payment for that order to be refunded to my credit card. '' No response from XXXX. On XXXX, I emailed XXXX, " Have you initiated my return yet? Not sure what you are waiting for. It's been 17 days since I ordered the bike and nothing yet. No courier name or tracking number since it was never sent to me. '' Again, no response from XXXX. I submitted a dispute with Citi and received a response back from Citi on XX/XX/XXXX saying they are reversing the condition credit and allowed me to continue the dispute. I sent Citi all of the emails explaining everything that I stated above. They add back the conditional credit of {$98.00}. On XX/XX/XXXX, Citi sent me a letter stating that they are working with the merchant ( XXXX  ) and their bank to get a permanent credit on my account and would let me know. Today, I received a letter dated XX/XX/XXXX that the dispute has been resolved and the customer is responsible. They took the easy way out after saying they are working on getting me a permanent credit 6 days earlier. I have every email I sent XXXX  and provided to Citi. Citi said they provided the responses from XXXX  regarding this dispute but I have never received them. Also, if you go to XXXX and click on " Visit our store ''. The next page says. " Something went wrong ''. " The store is unavailable ''. XXXX is a scam.
Product: Checking or savings account

check fraud claim with BoA that has been pending since XX/XX/2023. Need the following claim to be expedited. 

case # XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and not only that I was a victim of the XXXX   data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Product: Debt collection

I have already been to court to pay this debt. XXXX XXXX XXXX made a mistake charging my account with utilities in advance, that was the reason to charge Astronomic fees, also they dont received my current payments. The only way to dispute this was on court. I went to court on XX/XX/XXXX and Plaintiff was pay In full for a total of {$2100.00} on XX/XX/XXXX XXXX see Ecase view through Court : XXXX XXXX XXXX . The court records indicate that I already paid in full the Correct balance. No Absurd interest fee for negligent billing procedures in XXXX XXXX. The records that you provided show that the credit first opened in XX/XX/XXXX and was first reported XX/XX/XXXX ; four and seven months, respectively, after the debt was paid in full in court. 

I am requesting that this information be corrected. There is no reason as to why the credit charge is in a status of collection. it makes no sense, and the timing of the reported date makes even less sense. Given the due process of the law, XXXX XXXX had every opportunity to charge in court more or less than the amount they claimed, but they didnt, so I see no reason as to why they should decide to do it later by Ideall collection services.This is a clear fact how they act, they abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX  XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX. Account Number : XXXX. 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's mishandling of disputes, particularly of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle inadequately investigating my claims properly. 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. This raises high concerns for me as a consumer and the safety of my info and money.
Product: Debt collection

MCM has been contacted repeatedly for more than 1 year to resolve the fraudulent accounts. MCM has failed to provide any material facts, or supporting documents that meet legal criteria of a contract. The information reported to the credit bureaus by MCM is inaccurate, invalid, and unnverified, as it is fraud. I demand the 2 account be deleted immediatly and permanently from my credit report.
Product: Money transfer, virtual currency, or money service

I have registered an account with Blockchain and had my father from abroad send me his assets to my account. My account had pending verification and it got mistakenly rejected back in XX/XX/year>. The app was saying that to get full access to my account and the ability to sell my assets, I needed to reach out to their Support center by filing a request on the websitethe only way to reach out to their customer support center. Since XXXX, I submitted many requests, and have never heard back from a real person and my assets are frozen. Some bot has been sending me very basic identity verification instructions which do not works. Please help me get ahold of the company to have my account verified so I get access to my funds. Thank you!
Product: Debt collection

On Friday, XX/XX/2018, I was awoken by a phone call from XXXX XXXX of National Credit Systems prior to XXXX XXXX. Pacific Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is governed under 15USC 1681, And they violated my rights numerous times. I demand the accounts listed below to be vanquished from my report because... According to 15 USC 1681 I have the right to privacy and did not give permission to Equifax to apply these accounts to said report. [ 1 ] ComenityCapital/AAARewards- XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block Inc due to an adequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax XXXX XXXX XXXX XXXX for Inaccurate Reporting Violation of 15 U.S. Code 1681s2, 1681, and 1681i Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their continued reporting of inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors, Equifax has failed to adhere to their statutory responsibilities under 15 U.S. Code 1681s2, 1681, and 1681i.

The issues involve inaccurate reporting of XXXX XXXXXXXX XXXX XXXX account, which shows " settled Violation of 15 U.S. Code 1681s2 ( a ) : Equifax continues to report information that is inaccurate. This account is not a Collection account anymore. I confirmed this with XXXX XXXXXXXX XXXX  XXXX today XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXXXXXX is sending a dispute to Equifax to correct this information. # case XXXX. Equifax knows this account is inaccurate but continues to report inaccurate information. 

I have formally notified Equifax and the furnisher of the disputed inaccuracies. Despite this, the errors remain uncorrected. 

Violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : Equifax has been notified at the address they specified for disputes that the reported information is inaccurate. However, the information continues to appear in my credit file without correction.

Violation of 15 U.S. Code 1681i : Equifax has failed to conduct a reasonable investigation into my dispute and has not promptly deleted the inaccurate information from my credit file as required by law.

These violations undermine the fundamental principles outlined in 15 U.S. Code 1681, which aim to ensure the accuracy and fairness of credit reporting for the benefit of consumers and the banking system. 

I respectfully request that the FTC investigate this matter and take appropriate enforcement action to ensure compliance with federal law. Inaccurate credit reporting severely impacts consumers like me, leading to financial and reputational harm. 

Enclosed are the following supporting documentation A copy of my credit report highlighting the inaccuracies. 


Thank you for your attention to this serious matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Island Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.
Product: Credit card

I have had multiple transactions where transactions were " pending '' and the funds put on hold and pulled from my available balance but never returned. One transaction on XX/XX/XXXX for {$160.00}. I called one time to dispute they said the merchant released the hold but it can take an additional 21 days for the funds to be released. The funds have never been released the transaction still shows pending yet they are claiming " the funds have never been taken from my account and in fact was returned '' however that {$160.00} transaction caused a charge to be declined because it was pulled from my account. When I call them they state the money is there they do not know why I can not see it. In another instance I had XXXX XXXX on XX/XX/XXXX submit a transaction for {$180.00} and my credit card company, Apple Card/Goldman Sachs let three transactions for the same amount post debiting my account a total of {$560.00} pull from my account when I tried to dispute it them told me two of the three would eventually fall off and when they didn't I tried to dispute them then they stated they can not dispute pending transactions. Two of those funds were eventually refunded however, the third is still being reviewed. They constantly have been telling me the funds are there when they weren't or that I was refunded already when transactions still show pending and that the money is really there when it is not. These people wouldn't even issue provisional credit while investigate the disputed transactions. As it can be seen the transactions continue to cause declines on other transactions. Also in one photo I had so many payments to offset the {$560.00} they withdrew so that it would not cause other things to decline.
Product: Debt collection

SOUTHWEST RECOVERY SERVICES PLACED A DEROGATORY COMMENT AND COLLECTION ON MY XXXX CREDIT REPORT FOR {$19000.00}. I CALLED THEM AND SPOKE TO XXXX XXXX AND HE SAID IT WAS FROM XXXX XXXX XXXX XXXX, A DEBT BUYER AND THE ORIGINAL DEBT WAS FROM A XXXX XXXX ACCOUNT IN XX/XX/XXXX AND HAD NO OTHER INFORMATION ON IT. IT IS NOT MINE, I DO NOT HAVE NOR HAVE I HAD A XXXX XXXX ACCOUNT. HE TOLD ME TO SEND THEM A LETTER AND THATS ALL HE COULD TELL ME. I STARTED A DISPUTE WITH XXXX AND WILL SEND THE LETTER. THIS IS THE SECOND TIME SINCE XX/XX/XXXX THESE PEOPLE HAVE HARASSED ME. MY BROTHER WON A SETTLEMENT FROM THEM IN XX/XX/XXXX BECAUSE THEY USED TO CALL HIM AND THREATEN HIM IF HE DID N'T PAY MY ALLEGED BILL AND/OR TELL THEM WHERE I COULD BE FOUND. NOT ALMOST A YEAR LATER THEY ARE ILLEGALLY HARASSING ME AGAIN WITH ANOTHER FALSE ACCOUNT I DO NOT OWE. THE JUNK DEBT BUYER, XXXX XXXX IS JUST AS MUCH TO BLAME BUYING FALSE DEBT AND TRYING TO SCARE CITIZENS INTO PAYING FAKE DEBTS!
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/19 I was checking my email and immediately saw a email from PNC bank saying that my account was over-drafted in the amount of XXXX cents at XXXX XXXX this morning. So I immediately transferred the funds into my account from my reserves because I have the virtual wallet. Then I went on to realize that I was charged a overdraft fee of XXXX. So immediately I contacted my bank when they opened to see if they would wave the overdraft fee. Mind you that I shouldnt have even been charged a fee because I have overdraft protection and any other time PNC takes the money from my other accounts. There was XXXX in my reserve. But on midnight XX/XX/19 everything went hay wire and then Im told that my fee cant be reversed because I have a bad banking history. Really!!! Which I do not by the way and this was not even my fault!!! Then Im told I have to wait 2 days to talk to someone to resolve this issue!!!! Insane!!!!!!!
Product: Money transfer, virtual currency, or money service

Good day, Could you kindly assist me with my PayPal account? 
I regularly use my PayPal account to offer XXXX XXXX XXXX XXXX XXXX. I accept payments from clients using the PayPal checkout button on my website, which is connected to my PayPal. I also withdraw money from my account once per day once the transaction is over.

I just got a notice from Paypal when I opened my email address, indicating " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .I assumed that this was a system error. 
As a result of finishing all of my XXXX XXXX, I have a strong selling history and no issues.

There are no pending cases on my verified PayPal account.

I use it for business purposes so that clients can pay me using the PayPal checkout on my website.

When I called customer service about my problem, they said that a system had automatically blocked my account and those of others.

Please assist us in resolving this issue. In addition, would you kindly review and restore my account so that I may continue to use it for business? I am prepared to provide all necessary documentation, including screenshots of my financial transactions and the website where the funds originated. Please lend a hand as My Paypal account was crucial.

I'm hoping I can count on you for this.

I really appreciate it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

On XXXX my account at US Bank was XXXX and some change. On Tuesday XXXX 2015 I was charged an extended overdraft fee of XXXX because my account was negative XXXX and some cents. So on that same day I deposited XXXX. To cover the overdraft fee because customer service stated they could not wave the fee. Today I now have another extended over draft fee XXXX/XXXX/15 with no explanation. Not to mention that I am enrolled in overdraft protection and have not made any transactions since XXXX This is insane!!!!
Product: Checking or savings account

I opened two accounts with Citibank.

NRE and NRO accounts.

Citibank closed their operators in XXXX and I wanted to get the money returned. They are not returning the money. 
They claim that they have sent a Demand Draft on the XXXX XXXX XXXXXXXX. They provided a tracking number but i can not find the tracking information. 
I have sent multiple emails to them but of no avail. 

Savings a/c no. XXXX Savings a/c no. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to dispute a bill from  Home Depot that was given to CBNA debt collection company for {$150.00}. I have tried several times to get this corrected and CBNA still cla ims that I owe this amount. My last attempt was with  XXXX  and they let it go.