23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so.

Below is a summary of the data in which I am challenging The payment history from creditor and then the payment history reporting from bureaus The last date active, date opened, last paid, closed or open status, dispute of reinvestigation and if the first investigation cover dispute request where is the verifiable proof that it was viewed to be sure it is 100 % accurate when I believe it is not and does not meet the FAir Credit Reporting Act section 611 and needs to be removed for failing to comply with federal and state laws. 

Credit Accep Corp XXXX complete proof documented not explained I want it to XXXX Shown that this account was and has been reporting 100 % accurate and the payment history from the creditor is the correct payment history being reporting on my credit. 

If you can not provide that please remove all of this wrong information from my report please and thank you
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I filled out an online application for a XXXX  credit card offered through Barclays. After a full month I did not have any reply, so I again filled out an online application. I then received a letter saying they needed copies of my Driver 's License, Social Security Card, and utility bill with my name on it. On XX/XX/XXXX I sent photocopies of my DL and SS card, and an original utility bill to : Card Services XXXX XXXX XXXX XXXX, DE XXXX I then received a letter from Barclays saying my application was declined for " Too many recent applications. '' I waited another two months, applied again online, and again received a request for the same documents. On XX/XX/XXXX, I resent new photocopies and a utility bill to the same address above. I then again received a letter saying my application was declined for " Too many recent applications. '' In my previous complaint, it appears Barclays responded they did not receive the documents. Barclays has yet to even pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of the countries for 14 months while I was gone my XXXX XXXX XXXX along with 2 other cards were being used In Florida when I was in the XXXX XXXX. I came home to letters from XXXX and saying I owe almost XXXX I didnt even use my card I filed many complaints with including letters and fraud no one has done nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, am XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX. 

This written request is in response to consumer reporting agencies ( i.e XXXX, XXXX or Equifax ) decision to decline to block the information I have identified as identity theft. I have the right to believe and do so believe that the consumer reporting agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be conspiring against my rights according to 18 USC 241. 

I have yet to receive any notarized affidavit from a consumer reporting agency or Senior Executive of the company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ) stating that I received goods, services or money under penalty of perjury and provide lawful proof. 

I am challenging the accuracy and integrity of the consumer reporting agencies and each company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ). I have attached documents of my consumer report which include many inaccuracies. 

XXXX XXXX XXXX XXXX : The date opened, balance, number of months ( terms ), past due, and payment status are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX : The monthly payment, date opened, balance, number of months ( terms ), last reported, date last active, and date of last payment are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX as a furnisher must substantiate the alleged account with records at the time it was furnished. These companies must minimize the likelihood that information may be reflected inaccurately on my consumer report. 

Each consumer reporting agency prepares my consumer report and must follow reasonable procedures to assure maximum possible accuracy of the aforementioned information concerning my consumer report. These procedures include, but are not limited to, the investigative reports that I have yet to receive. 

In order to comply with federal law, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX must provide full disclosures ( i.e any actual records of accounting ), a signed invoice, proof of equal consideration, and a true copy of the contract with my blue wet ink signature and XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX wet ink signature. 

In the event XXXX XXXX XXXX XXXX or XXXX XXXX XXXX fail to provide said documentation, I demand that all alleged accounts from either company be properly recorded and officially acknowledged within their records and any other agencies as non-existent, including but not limited to, all debt collection and/or consumer reporting agencies. 


Signed, Without Recourse. XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX
Product: Credit card

Dear American Express, I am writing in response to the denial of my credit application. I would like to formally express my disagreement with this decision, as it has caused significant distress and is, I believe, unjustified based on my creditworthiness.

As outlined in Title 15, Section 1691 of the Equal Credit Opportunity Act ( ECOA ), it is required that any denial of credit must be based on valid and verifiable reasons, and I have not been provided with adequate reasoning for the decision. My creditworthiness, as shown in my credit report, is sound, and I have consistently demonstrated responsible financial management.

I would also like to clarify that under the provisions of the law, only the board of governors of the institution has the authority to deny an extension of credit. If the account is not opened as requested, I must rescind my application and seek resolution through other means. Should the matter not be resolved in a timely manner, I will be forced to pursue legal action to ensure that my rights as a consumer are respected and upheld. 

Additionally, I am prepared to sign a promissory note in accordance with the terms and conditions of your institution if the credit extension is reconsidered and approved. 

I trust this matter will be given the attention it deserves, and I look forward to your prompt response. 

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

i have contacted XXXX  and provided to them all of the proof that these accounts are not mine.
Product: Money transfer, virtual currency, or money service

Purchased XXXX from coinbase.com on XXXX XXXX XXXX with my XXXX XXXX account. Tried to trade in XXXX XXXX, was locked out of my account. Filled support ticket ( # XXXX ) no resolution just bot emails. I was forced to refile support ticket ( # XXXX ) in XX/XX/XXXX due to the complete lack of customer service. I did further authentication and brought my account to the highest security settings, as per what it said in the coinbase help page. 2 days later i received an email saying i was no longer eligible to use the platform! They said i can transfer the XXXX to the coinbase fiat wallet then transfer to my XXXX account. I am hesitant to do this as many other users have said they WILL NOT release funds. I posted on XXXX in XX/XX/XXXX directly to the coinbase support thread, as some users said this would expedite the process, i was replied to by another coinbase bot saying my case was being reviewed. I have since received coinbase support emails ( XX/XX/XXXX ) saying that my issue has been resolved, case closed, my account is being restricted, and that i am being kicked off as a user. My only option is to covert my XXXX to usd and transfer it to my XXXX account. This is unacceptable and my XXXX btc must be released. I have lost untold amounts of trading revenue during this last bullrun of crypto due to my account being restricted.
Product: Credit reporting or other personal consumer reports

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
PLEASE DELETE THE FOLLOWING UNVERIFIABLE ACCOUNTS : 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  PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRES :
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit card

I was shopping by phone at " Nordstroms '' on XX/XX/XXXX at the when I gave all of the vital VISA credit card information the person tell me that it didn't go through because the mailing address I gave them wasn't the as the VISA card address. 
I learn the next time I called the that the account is in the " Fraud '' department. I didn't initiate some fraud activity or anything. 
XXXX XXXX XXXX a person in the Fraud department said it was there because of unusual activity on XX/XX/XXXX when I mention to the representative that my Nordstroms online account wouldn't allow me to purchase online because my email for it needed to be updated because had not access to it. 
I think the problem is some one either the representative that was taking my order did it or someone cause this. 
There was never any " Fraud '' and my VISA should be on " HOLD '' now. 
I told me to come to the Nordstroms store to verify my ID to them. 
I feel like they should pay for me having to loose the items I wanted and putting my VISA on HOLD for a unfounded transaction. 
It a lack on basic communication and making a false assumption for what reason?
Product: Debt collection

I signed up for Solar Panels through a company called XXXX XXXX. I was quoted one price and when I received the price from a company named Goodleap who financed the Solar Panels the panels were twice the amount and the company XXXX XXXX did not finish installing the panels. Goodleap contacted me and said I have to make my monthly payment on the panels regardless of wether or not they installed them because I electronically signed the contract. My panel have not been finished and Goodleap is calling and texting me daily for payment. I went on the XXXX and Goodleap and XXXX XXXX have over 300 complaints of doing the same practice nationwide in the USA. I tried contacting XXXX XXXX to finish the installation of the panels and no reply. Goodleap has been calling other people in my neighborhood and telling them they can get a loan consolidation to pay them off and put their homes on the consolidation. this would mean you have a lean on your home. this is a a nationwide scam. I filed a report to my sate AG and making an appointment to speak with my congressman and sending this Information to any news channel that will investigate this.
Product: Credit reporting or other personal consumer reports

I appreciate your swift action in removing some of the errors from my credit report. Nonetheless, some items still need correction. This is my renewed attempt to dispute the remaining items in my credit file that resulted from incorrect credit report details. Once again, I am sending over an Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any incorrect information in my file within 4 business days of receipt, provided you receive ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report : 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 XXXXXX/XX/XXXX. Please be reminded that you have 4 business days to remove any information in my credit file resulting from alleged incorrect credit report details. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't my account.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. One instance that stands out is when my father attempted to send money to another family member through Zelle, and we encountered numerous problems. Despite reporting these issues, neither my financial institution nor Zelle conducted a proper investigation. They informed me that recovering the lost funds was impossible and tracking the transactions was impractical. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
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 168b permissible purposes of consumer reports. 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. 

These Inquiry was not authorized 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 XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Payday loan, title loan, or personal loan

This company has predatory lending practices and has not honored the agreement that was discussed between the preffered credit rep and the titanium rep and communicated to me. The company is rephrasing cash savings for the 0 apr any lending company can offer as an incentive. Also in talking to the project specialist they said my.apr was not established by my credit rating which at the time was between XXXX to XXXX. I was also mailed a revised contract that had a different apr rate orignal.apr was 21. 20 % and now it's 20.60 % on my online account so why was it lowered.? 
I am not mistaken about the incentive I was offered. As consolation prize they want me to clear 36 month tem loan in 2 monthsand they wont charge me interest? That would require me to make {$400.00} payments monthly They have sympathy for me but they should have also done their due dilgence to screen the companies they provided financial services to theough solucitation. The customer service representative was also impolite. Since I've paid 770 to date only 400 isj dollars has went to principal on {$1600.00} dollar loan as military spouse and vet I know the mla act covers up to 36 %. I notified the specialist as well that I was being overcharged in interest in addition the finance charge and premium service fee?. I want the 6 months of no interest/cash savings honored. My next resolve is to file a complaint with the ftc. I have no problem paying off the balance. I would like to do it in the allotted time I was given. Please see the email i sent to furyher discuss.. Especially how contrite their service rep was with me. I feel like I'm being preyed upon again with payday loan agreement terms. That's not what I signed up for. Credit cards financing are not this predatory. The company is listed as a financial institution surely they can fix this issue of fraudulent service. I can provide the altered original contract sent to me by them. I filled a complaint with XXXX. The company did not want to honor the agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit. I found that my name is still not the correct name on Equifax credit bureau. If you look at my identity theft report it has my correct name listed on the Federal Trade Commission Identity Theft Report. My correct name is XXXX XXXX not XXXX XXXX XXXX. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file a identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX  is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR FINEWISE/ OPPLOANS THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Product: Credit reporting or other personal consumer reports

I've received a copy of my credit report and see that there are inaccuracies. These remarks have had a negative impact and have been detrimental to my life and credit health.
Product: Checking or savings account

I have been unable to open a banking account with any bank.
Product: Debt collection

We are with credit repair agency, ask to removed all the negative information in my credit file, one collection it should be on my report, there are an original company was sell my account to other agency, and others two credit cards companies the accounts was placed with the debts consolidations for over two years 24 months they should be they should be paid by now still on the negative items on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and the owner XXXX XXXX is a XXXX  XXXX XXXX criminal, they are using deformatory information on me when there is no tangible evidence to the claim, i dont give a XXXX who they are and what they do, i dont have any contract with these criminals showing any obligation to perform, furthermore thier criminal co-contractor friends are liars, I never received any ''bill '' from anybody and never received any ''varified complaint '' sworn to and notarized, which would substantiate a wrong-doing, so who the XXXX is XXXX, ,,,,,,, its a criminal extortion racket, there is no tangible evidence of any debt without a ''bill '' a statement is a whole different meaning, thats why i have a ''billing address '' and not a ''statement address ''