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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I never owned a credit card I assume that my social security number and other information was leaked and use to get a credit card and banks in my name without my knowledge and permission.
Product: Credit card

A card was filled out in my name, a lender from XXXX XXXXXXXX XXXX looked into my XXXX XXXX, my XXXX XXXX dropped and the credit card was mailed to my XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. this creditor has violated my rights under 15 usc 1681 section 602 states i have the rights to privacy, 15 usc 1681 section 604a section 2, consumer reporting agency cant furnish account without my written instructions. 15 usc 1666b a creditor my not treat a payment on a credit card account under a open end consumer credit plan for any purpose.
Product: Debt collection

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. For Dates XX/XX/XXXX and XX/XX/XXXX. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The loan from XXXX XXXX is showing open and it should be closed. The account was closed in XXXXXXXX XXXX XXXX I have tried to get this information updated the company has yet to report the correct information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that exposed significant shortcomings in the platform. Despite using Zelle frequently and reporting transaction discrepancies, neither myXX/XX/XXXXnor Zelle conducted a thorough investigation into my claims. Instead, I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also enabled 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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian for years has reported a foreclosure that I had from XXXX XXXX ( XXXX ). As of the credit report dated XX/XX/XXXX it showed the foreclosure from XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, Experian has this account listed twice. One as paying late under XXXX XXXX  ( true ) and another under XXXX showing the foreclosure ( true ). The account on Experian looks like two different negative reports. I have gone through the dispute process and have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX  XXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Product: Debt collection

Upon receiving certain debt collection letters and subsequently reviewing my credit report, I recently discovered that I am the victim of Identity theft. Specifically, I have discovered that certain Affirm, Inc. accounts, numbers XXXX, XXXX, XXXX, have been fraudulently opened in my name and without my authorization. I have no knowledge of these alleged charges and I dispute owing this debt. It appears that Affirm , IncXXXX XXXX XXXX XXXX ) is reporting these debts on my credit report and is attempting to collect the same
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I had hundreds of small dollar transactions authorized on my bank debit card. The last four digits of the card are XXXX. The amount of the transactions range from under {$1.00} to just under {$4.00}. In total, there are approximately {$1100.00} in charges that were debited from my bank account. 

I contacted XXXX ( MetaPay ) on XX/XX/2024 at approximately XXXX XXXX  CT and gave all of the transaction information to their call center. A case number was not provided. By XXXX XXXX, I received the following email. 

The charges do NOT appear in my XXXX account. Therefore, I am unable to dispute the charge online. 

Hi XXXX, Hi and thanks for contacting Meta. Unfortunately, we aren't able to locate any charges that match the information you've sent. Can you double check that the date and amount of any charges are correct, as well as the first and last XXXX digits of the card number? 

Please note that if there is another person who has a card on the same account, they will often have a different last four digits. 

We`re sorry for any inconvenience this has caused and we'll look into it as soon as we receive this information. 

Thanks, The Meta Pay Team
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian had remove the XXXX accounts from my credit bureau via blocking and then XX/XX/year> the added the XXXX accounts back to my credit file causing financial and emotional stress. I was in the process of purchasing a home which is now in jeopardy by Experian 's unethical move. The following accounts where added back : XXXX. XXXX XXXX Acct # XXXX ( {$17000.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( {$9400.00} )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 and 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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Today, I am lodging a complaint with you to report that I have fallen victim to identity theft. Upon researching how to address the fraudulent accounts on my credit report, I discovered the necessity of contacting the Federal Trade Commission ( FTC ) at https : //www.ftc.gov or visiting the FTC directly to file a report. According to the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove or block any accounts listed in an identity theft report. 

Attached, please find the necessary documentation to facilitate the blocking of inaccurate information currently affecting my report. Enclosed is a list of accounts/items that are not associated with me or were opened without my consent. 

As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to block any information in a consumer 's file identified by the consumer as resulting from alleged identity theft within four business days of receipt. 

XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX and XXXX  XXXX Account Number XXXX.
Product: Credit reporting

I moved out of house and more then a year later sent XXXX sent bill closing for {$110.00}. In fact, the new owner should 've been billed but nevertheless it 's a small amount. Unfortunately it was too late to be forwarded and I never received it. When I checked credit report it showed. I contacted customer service and paid invoice and still on credit report.
Product: Mortgage

During the change of the loan server Mid America Mortgage changed from XXXX XXXX to doing the collecting of mortgage payments through their company. And from the start it has been a disaster. The don't reflect the true balance of my payments when I get a monthly statement. My statement keeps reflecting {$1700.00} dollars a month which should be XXXX a month. My payments are current but the statements are misleading.
Product: Bank account or service

I opened a business checking account at Citizens Bank when I started my small business about a year ago. I chose the " Clearly Better Business Checking '' account because it has has no minimum balance requirement and no monthly maintenance fee. In general it seemed like the best low-cost option to help get my business off the ground at a point in time where I 'm extremely vulnerable to any extra costs. 

When I opened the account I gave them all my standard information and my email address. Probably my phone number too. I did n't sign up for any extra services like overdraft protection and I went along with what the bank employee told me to do in order to open up the account. 

Because I 'm running an XXXX business my only expense up until this point has been a monthly {$20.00} charge from a XXXX company. When I opened up the account I initially put some money in and every few months or so I would log in and check my account to see if it needed more money to cover the XXXX. 

Fast forward to earlier this week. I logged into my account after not checking on it for a few months and I discovered I had {$120.00} in overdraft fees. I thought how in the world could this happen!? I did n't sign up for overdraft protection and I thought any charges would be denied if I did n't have sufficient funds. It turned out Citizens Bank allowed the charge to go through and my account was negative only XXXX or XXXX dollars. 

When I dug a little deeper I discovered what was really going on. When I opened the account I opted for paperless statements to avoid a fee if I remember correctly. I assumed that Citizens Bank would contact me via email, mail, phone, or text if something needed my attention. After going through obscure settings menus I discovered that all alerts had automatically been set to off! Citizens Bank was letting these overdraft fees rack up silently without telling me anything! 

As a XXXX, I know this did n't happen by accident. This is called a XXXX and Citizens Bank set all the alerts to off so it could squeeze even more money from consumers who do n't know any better and trust that banks would act honestly. 

I feel absolutely cheated. I sent them a message using their online banking interface and I have n't received a reply yet. I would simply ask that you persuade Citizens Bank to do the right thing and refund the fees. If I were notified, I would have immediately deposited more money and avoided the overdraft. I 'm a responsible banking customer and I have never overdrafted any account in my life. I would also like an explanation as to why my account was allowed to overdraft in the first place. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Account is still inaccurate and unlawfully reported, XXXX and or XXXX  where the charge came from still hasn't given me paperwork with my signature, where I authorized a amount for {$2000.00} + dollars, my credit line was only XXXX that i set up, and i sent you Pictures of my passport showing i was out of country. I can't be at XXXX places at the same time I disputed the transaction fraudulent while out country and XXXX bank wrote the dispute wrong and the communication was horrible with them until i got back In the country.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus are required to validate these accounts. It is not permissible to leave these accounts unverified without providing proof within the legally specified time frame. The following erroneous information on my credit report needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$200000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX Balance : {$200000.00} XXXX, XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX XXXX : {$3400.00} XXXX  XXXX XXXX Balance : {$200000.00} XXXX, XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00}
Product: Debt collection

I called the I c systems several times and told them that the debt is not mine. They refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

I'm going through financial hardship and I recently lost my job. Prior to losing my job I was making all my payments but in the recent months Citibank allowed purchases to go through putting me {$7000.00} in additional payments required to make a minimum payment. I am a very responsible person and have had a very good history on payments but I can not afford an additional {$7000.00} of payments
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX