23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I had XXXX XXXXXXXX. Since I am on a fixed income, the doctor 's business office set me up with CareCredit because I did not have enough to pay the bill ( {$1200.00} ) up front. They explained to me that as long as I paid a certain amount monthly that would pay off the debt in a XXXX, I would not be charged late fees or interest. I was advised that my due date would be the XXXX of the month. On XX/XX/XXXX and XX/XX/XXXX I paid {$100.00} each month. I have copied proof of these payments from my checking account : XXXX payment to CareCredit in the amount of {$100.00} and XXXX payment to CareCredit in the amount of {$100.00}. On XX/XX/XXXX I sent them a check in the amount of {$110.00}. I have copied proof of this payment from my checking account : Synchrony CHECK PYMT XXXX Electronic Check {$110.00}. When I checked my CareCredit account I saw that on XX/XX/XXXX I was charged a late fee of {$30.00} and on XX/XX/XXXX a late fee of {$41.00}, and on XX/XX/XXXX I was charged {$2.00} in interest. I telephoned them today to ask why I was charged XXXX late fees plus an interest charge. The person I spoke to said the first XXXX payments had been posted after the XXXX of the month. The XXXX payment was posted on XX/XX/XXXX, yet I was charged interest. I advised her that the first XXXX payments from me were dated on the XXXX of each month. I told her that the fact that their bookkeeping was sloppy was not my problem. If I were a sceptic, I'd think they took their sweet time posting payments so that they could charge late fees every month. Also, as an aside, the number of spam emails I've received since starting to do business with CareCredit has easily quadrupled. I've always been careful to change my email passwords regularly, yet the spam just keeps coming.
Product: Credit reporting or other personal consumer reports

My name and social security number is associated with different addresses and phone numbers and email addresses.and would like them removed and updated.and not to be associated or confused with any other address, then on my drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the conduct of XXXX, XXXX, and Equifax in violation of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph 5 Treatment of Inaccurate or Unverifiable Information on XXXX XXXX Acct # XXXX As a consumer, I have exercised my right to obtain my credit reports from each of these credit reporting agencies. Upon review of my credit reports, I have identified numerous errors and inaccuracies that are affecting my credit score and financial well-being. 
I have followed the appropriate procedure outlined in 15 USC 1681i and have submitted disputes with all three agencies, providing evidence to support my claims of inaccuracies. However, I have found that XXXX, XXXX, and Equifax have failed to properly investigate and correct these errors in a timely and efficient manner. 

Specifically, these credit reporting agencies have failed to comply with Paragraph 5 of the Procedure in Case of Disputed Accuracy, which requires them to promptly investigate and correct inaccurate or unverifiable information. Despite providing evidence to support my disputes, I have found that these credit reporting agencies have failed to conduct a reasonable investigation and have not taken appropriate action to correct the errors. 

Furthermore, I have found that these credit reporting agencies have failed to provide me with timely and accurate responses to my disputes, as required by 15 USC 1681i. I have experienced significant delays in receiving responses, and in some cases, have not received any response at all. 

The failure of XXXX, XXXX, and Equifax to comply with 15 USC 1681i and to promptly investigate and correct inaccurate information has resulted in harm to my financial well-being. These inaccuracies have affected my ability to obtain credit and have resulted in higher interest rates and fees. 

I urge the Consumer Financial Protection Bureau to take action against XXXX, XXXX, and Equifax for their violations of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. These credit reporting agencies must be held accountable for their actions and are required to promptly delete the inaccurate information. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number has been compromised and there have been several accounts opened under my name and social since XX/XX/2022. Theres a Southwest Chase card under my social for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the hospital since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
In addition this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692gFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

In addition I have provided documents showing XXXX Account Number : XXXX Has been paid in full and I have updated the payment history and title of the automobile title. I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately. 

Per law you must honor 15 U.S. Code 1692g - Validation of debts. I find that either you unmoral or youre not familiar with the law therefore below is a definition.
Product: Mortgage

Company has sent me several marketing notices about removing my PMI. When I contact about this, they inform me that refinancing is not beneficial due to a higher rate, but they can open a heloc for me. No where on the marketing is a heloc offer mentioned. It is deceptive for them to indicate PMI removal just so they can sell me a heloc.
Product: Debt collection

I never received anything from this company about these debts until I was served at my house with a court date. 
The amounts they said I owed {$570.00} XXXX XXXX XXXX {$760.00} which is already a charge off account for XXXX XXXX XXXX I called midland company, I spoke with multiple people, mainly XXXX XXXX, I offered to make a payment of {$50.00} a monthly and that is stretching it. He was very rude and unprofessional on the phone, he refused to work with me at all. 
I never received a letter or phone call from this company regarding this matter, it wasnt until they showed up to serve me the door of my house that this was out there. Furthermore, this company has combined to debts to make the total over {$1200.00} to be able to take this to court. This is not a legal practice under the debit act. 

I my take home pay is Monthly and is {$1000.00} per month. 
I have 1 dependent, XXXX years old, I am responsible for. 

My expense are as follows ; Rent XXXX monthly Utilities around {$280.00} Cell {$200.00} Cable {$210.00} Insurance {$160.00} Loan payments {$160.00} Grocerys around {$400.00} I get snap food assistance XXXX XXXX/month My sons dad will help when he can
Product: Vehicle loan or lease

XXXX XXXX XXXX, was leased to me, I received a letter that if the car was resold it was going to be used partially to pay debt of car loan, it shows as opened past due when I dont have this car since XX/XX/XXXX please review
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent.

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Product: Checking or savings account

My card was left/stolen at XXXX XXXX in XXXX CA XXXX XX/XX/23 and then used the same day at some places in XXXX XXXX XXXX CA which is about a XXXX XXXX XXXX from XXXX ( where I currently live ) I reported the transactions as fraudulent and canceled the debit card around XXXX that day as soon as I noticed the transactions around XXXX. The dispute ended up being filed as my transaction which isn't true, and $ XXXX is a lot to be missing, when I check my bank the transactions were made through my debit card without a PIN number which is proof it wasn't me and the bank claims it was me because they were made through chip contact despite me having filed my debit card as missing/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

LVNV Funding Account # : XXXX /LVNV Funding LLC Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by LVNV Funding Account # : XXXX XXXXLVNV Funding LLC Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the XXXX XXXX Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by LVNV. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified Mail USPS Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

went truck shopping for a certain truck which was a XXXX XXXX XXXX or higher. found car stars on XXXX of a XXXX XXXX XXXX XXXX XXXX fully loaded sunroof navi the works in stock forsale at this lot., i called i spoke with XXXX , invited me in too view the XXXX XXXX. i have all documents for proof also. im not a car expert i have very little knowledge about cars/trucks. The truck had no sunroof as described in ad. but that was ok. i purchased the vehicle as an XXXX model which is the middle class of the XXXX. i thought i got a good deal until i went too XXXX dealer for an oil change they made me aware of the true model of the truck which was the lowest model of the XXXX for that year, the dealer charged me for the XXXX version when i had the XXXX version cheapest model. XXXX i paid for down payment. contacted the dealership and made them, aware of the findings they told me i was wrong and that my information was wrong and that it was an XXXX model. it was not, i sent over paperwork stating what the truck was and how can we work this out. dealer didnt want too make new terms for vehicle at correct pricing, so i returned the truck a few days later.. i was told no one gets too ride for free after bringing a vehicle back too cancel deal so i was charged a rental fee and damage to the left side driver rear view window that had a scuff on it from sitting on the lot for several months. dealer on refunded me XXXX out of XXXX for rental fees and a mirror that was already scuffed up when i purchased. i was charge more taxes then usual missing paperwork, miles were submitted wrong to finance company to recieve more monies for the truck and it was not even the correct truck trim that was submitted, if it were the would have not loan that amount. its alot of fraud being done at this car dealer.
Product: Checking or savings account

I have had a checking account with this bank for about 2 years now, and seemed to have no problems with anything. However, I went to open a savings account recently (XX/XX/XXXX ), and could no longer access my bank account online. All of my accounts with this bank are currently locked and frozen. I called the online banking customer service number by phone and all they could tell me was that I needed to visit a local branch to verify my identity. However, I do not have a local branch. It has been more than four months now that I have not had access to the money in my accounts that total well over {$2000.00} at this point. I have not been able to pay all of my bills due to my money being held up like this. I do not care if I keep the accounts at this point, I just want my money back. It looks like I will be resorting to XXXX, XXXX, CFPB and local state attorney general complaints until I can get this problem resolved. I would not recommend for anyone to do business with this bank as they will attempt to do nothing but steal your money outright. If there was a problem with my savings account application, then the account should have simply been denied, versus you taking {$2000.00} via my XXXX XXXX XXXX debit card out of my external bank account to fund it, and then freezing all of my accounts at your bank. I know that I provided all my correct information on my applications, and even received a paper account statement recently at my home address, so I know that my address is correct. Please let me know how I can gain account access at this time, withdraw my funds, and close my accounts with your bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STILL HAVE ITEMS REPORTING ON MY CREDIT REPORT THAT ARE NOT CORRECT AND IV'E BEEN TRYING TO GET A RESPONSE FROM THE CREDIT BUREAUS FOR SEVERAL MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. XXXX  has fixed these errors but I am still waiting on Expieran and XXXX to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.
Product: Credit card

Reported fraudulent charges on my Barclays Aviator Advantage card. Barclays credited back the charges, but one of the merchants also credited back to the card. Now Barclays is charging me for their mistake. Put a debit of {$120.00} to make up for the double credits. That {$120.00} is now showing as my monthly payment. When I told them I am not paying for their mistake, they said they will charge interest and late fees. Ive spoken to them twice over the last few days. I didnt make any charges of {$120.00} and do not owe them that money. They are crooks.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the XXXX major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report.

XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$7500.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX TransUnion, Last week I got a copy of my credit file and saw several mistakes. I am certain that these mistakes are killing my credit scores and costing me too much time and money every year. 
Here are the items that I want verified as accurate : 1. XXXX XXXX XXXX - XXXX My rights under the provisions of Section 611 of the Fair Credit Reporting Act of 1970 are clear, I demand these items to be removed from all current and future credit reports. 
Additionally, please send me the names of any individuals and/or organizations you contacted so I can follow up with them as well. 
I shall assume that 30 days constitutes plenty of time for you to look into these accounts. 

By my interpretation of Section 611 ( a ), it is understood that your failure to investigate these items within a reasonable timeframe constitutes a reason to permanently remove these things from my credit record. 
Below you will also find the only personal information that should be listed on my credit report as well. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im not sure if my complaint can be accepted because its been over five years and I dont have exact dates. However, I believe it was XXXX of XXXX when attempted to send {$350.00} dollars to my brothers XXXX XXXX XXXXXXXX account from my XXXX account using Zelle. The funds were not received by my brother but taken out my account. When I reached out to both banks and neither was willing to help me get in contact with the person my money went to. Or reverse the transaction.
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

The transactions in question were in XXXX which are no longer listed on my Zelle transactions XXXX