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

Dear BANK OF AMERICA, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name BANK OF AMERICA , N.A . 

Account number XXXX Account type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Debt collection

Contacted by Wakefield and associates about medical bills that were already paid by my insurance company. Went into the office with irrefutable evidence that said medical bills had already been paid! Was told no court, it would be taken care of. They still went to court and lied in court of law to obtain judgement against me. Went on to garnish husband wages for bills we did NOT owe! 

Was never contacted by Wakefield and associates about any other debt, until received court papers. Had XXXX and couldn't go to court. They won a judgement against us. NEVER received anymore correspondence until we received letter from husband employer for garnishment order. Not once was notified by collection company. Called company asking for a detailed summary of where all garnished money was applied as they were still saying we owed money from previous bills they had already " collected '' on. The woman on the phone couldn't verify anything for us, just stuttered around trying to get us to set up payments. 
Sent a letter to the company, which they received XX/XX/XXXX requesting they prove we owe the debt, a detailed summary of payments and where they have been applied, copies of everything in our file including but not limited to, recordings of conversations, all bills in our file, statement of where payments have been applied, along with verification of debt. They have yet to respond to our letter and have never ceased contact with us or attempting to collect debt. They are harassing us with their fraudulent debt collection practices! 
Just received another letter today from them about debt from XXXX to which the previous garnishments we're supposedly have satisfied said debt. 
All of which I've NEVER received a bill from the hospital as to which they're attempting to collect for! This is a huge issue in our county! 
With there being XXXX XXXX complaints in XXXX and 49 % of said complaints being found fraudulent debt collection practices substantiated tells me something more needs done with these bottom feeders, when 100 % of our supposed debt are medical bills, during a worldwide pandemic! 

All for medical bills I've NEVER received. We get no contact from XXXX XXXX XXXX XXXX. Aren't aware of a bill or amount until it's been turned over to Wakefield and associates for collections!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this year, I filed a complaint with the company in question regarding the account ALLY FINCL ( XXXX ), with whom I am experiencing issues related to my credit report, specifically that it shows a series of late payments for which I requested certification to confirm that I indeed made the payment errors. The account has already been fully paid off ; however, the payment report represents a degradation of my credit status. I submitted that complaint with the intention of correcting my report for that account. The company 's response was a compilation of payments and previous letters, from which they did not provide the certifications, leading to uncertainty about whether the information they are presenting is accurate. Therefore, I am filing a new complaint to request a correction of this report or its removal from my credit history. Additionally, this company is providing incomplete information to the credit agencies, showing discrepancies with the credit bureaus, which constitutes a violation of my rights under 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Debt collection

Kay Jewelers continues to harass my wife on her phone even though she is not on the account and never has been. They also call after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain all 3 credit reports on XXXX XXXX XXXX and was advised that I could not get it and I also tried to get all 3 Credit reports through Experian and after signing up was advised that they could not get it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 Equifax, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX Equifax, 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 Equifax , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, 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 Equifax 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Experian XXXX XXXX XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C., 1681 Section 602 A. States I have the right to privacy.

15 U.S.C., 1681 Section 604 A. Section 2. It, also, states a consumer reporting agency can not furnish an account without written instructions. 


The following information is incorrectly reported by Experian XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on three levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on three levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reported act .the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( 1 ) XXXX XXXX XXXX Account # XXXX on XX/XX/XXXX. ( 2 ) Midland credit management Account # XXXX on XX/XX/XXXX. ( 3 ) Midland credit management Account # XXXX on XX/XX/XXXX. ( 4 ) National credit adjusters Account # XXXX on XX/XX/XXXX. I looked at my XXXX and XXXX credit reports on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the fair reporting act Whenever a consumer 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 15 USC ( e ) ( b ) .And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general after reinvestigation under paragraph 1 ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the reporting consumer agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to relieve that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter from Lexisnexis the data furnisher that provided XXXX with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by Lexisnexis, XXXX, XXXX or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

XXXX has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. XXXX has not re-investigated the alleged bankruptcy. XXXX has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX   Late payment. This account was never late. {$21000.00} XXXX/XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

National Credit Adjust This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$460.00} XXXX  XXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, TRANSUNION LLC CONSUMER DISPUTE CENTER, XXXX, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company where I work pays me through Wise. Every payday I would receive my pay there without problems. I tried to make a few transfers the last time I got paid ( which was XX/XX/XXXX ) and they would not go through. Wise said they began investigating my account. I no longer could make any transfers or use any of the money in my Wise account. All my paychecks are sent to Wise so they have thousands of dollars for me in the account. After battling with customer service for days and still not being allowed to touch my money they sent me an email on XX/XX/XXXX : XXXX ( Wise ) XX/XX/XXXX, XXXX XXXX Hello, We're getting in touch about your account you set up through the XXXX XXXX application via Wise. After reviewing your account, weve decided that unfortunately we cant offer our services to you going forward. Weve deactivated your account. We've also cancelled any pending transfers and refunded them to their origin. 

Learn how long refunds take. 

The reason behind our decision is because your activities exceed our risk tolerance. Please refer to section 1.2 of our Acceptable Use Policy, which states that we reserve our right to deny our services to any customers who exceed our risk tolerance. 

If you need any further assistance, please let us know we're always happy to help. Were sorry about any issues this may cause and hope you find another solution for your international transfers.

Regards, The Wise Team At no point have they mentioned sending me my money paid to me by my employer. I've asked them about sending me my money but they don't respond anymore. 

Furthermore they claimed to have deactivated my account and seized all my funds in it because I started to use Wise with XXXXXXXX XXXX 

On XX/XX/XXXX Wise made an official press release that they had partnered with XXXX XXXX and can now seamlessly allow clients to make payments on Interactive Brokers with their Wise accounts. Link to article XXXX XXXX XXXX XXXXXXXX  Hence, I have been penalized and my funds seized for using a partnership which Wise encouraged its clients to use which violates their agreement with them and us as the clients. 

Up to this moment they have continued to ignore my requests to send me my funds and have stopped answering completely.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a
Product: Debt collection

Collection Agency collected on a bill that was not owed. Agency confiscated state tax refund in 2018 - that is first time I knew of ANY bill from hospital. I phoned collection agency and disputed the bill immediately. Asked for verification of the debt. Agency could not verify debt. Agency then levied bank account. With NO JUDGEMENT. I got Medicare involved and they contacted agency stating this debt is not owed. Agency admitted they made mistake but will not return my money. Agency is guilty of illegal billing, double billing, and theft of my bank account.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles handling of disputes! particularly in light of the recents CFPB lawsuit highlighting significant issues with the platform! Despite using zelle NUMEROUS of times and reporting discrepancies, my financial institution along with zelle, failed to investigate my claims adequately. They informed me that recovering list funds were impossible! and that tracking these transactions werent possible, The CFPBs findings indicate that zelle has not only neglected to protect customers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account. 
The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX of every month starting in XXXX they would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX on one account and XXXX on another leaving me with a XXXX balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that XXXX XXXX does not have my backing information and continue to deduct any more checks.