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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX And according to the fair credit 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 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 consumer reporting 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 cause to believe that the information is inaccurate.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please Delete XXXX XXXXXXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting, for 5 years I have disputed a collection on my credit report from XXXX  XXXX XXXX, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX. the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX  ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified. 

I request you provide proof of this account being late. This account was paid in full and was paid off. 

Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late
Product: Credit card or prepaid card

I had a store credit card with Old Navy. The card was transferred to a different bank backer without my knowledge. The associated bank when I first got the card was 'XXXX  ' and it was transferred to 'Barclays ' XXXX When this transfer happened the balance on my card was automatically transferred to the new bank, however my existing auto payment was cancelled against my knowledge. This meant that I missed a payment and incurred late fees and a significant hit to my credit. I had sufficient funds to make the payment, but it was never made because my credit card issuer chose to change banks. This is not my fault.
Product: Credit card

On XX/XX/2024 I was involuntarily denied boarding to a flight operated by XXXX. According to the department of transportation 's regulations, I am entitled to a refund when I am involuntarily denied boarding or the flight is delayed more than XXXX hours. I uploaded an email proving that the new flight I was scheduled on was delayed by more than XXXX hours. I requested a refund from XXXX and was denied. I then disputed the charge with Bank of America, and was denied. 
XXXX admitted fault, but refunded points to the wrong flight.
Product: Credit reporting

I tried to apply for refinancing of my car in XXXX and I was rejected. They told me the main reason I was rejected was because of " Derogatory public record or collection file '' and " Length of time since derogatory public record or collection is too short ''. The person helping me told me it was a court from XXXX 2016 and it looked like I had lost a settlement. I knew I had nothing of the sort because I had n't been in court for anything like that ever.They got this information from Equifax Credit Report. When I requested my annual report from them, I saw in the " Public Records '' the judgment. It clearly states a different name than mine, and I have no affiliation whatsoever to this case except that it was my father 's who does not have the same name as myself. It is CLEARLY a completely different person. I was in no way, shape or form involved in this case. I am completely independent from my parents and there is NO REASON for them to attach this issue to me. I can not stand for this incompetence affecting me in my financial AND personal life. This needs to be removed IMMEDIATELY.
Product: Credit reporting

In my letter dated XXXX/XXXX/2015, I disputed a Judgement on my Trans Union report. I received notice XXXX/XXXX/2015 that it was deleted from my report. 2 days later it was re-inserted back on my report. I have contacted the court listed and they have no judgement rendered under my name! I want this DELETED from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act TransUnion and XXXX has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not Transunion and XXXX! according to FCRA all inaccurate information must be correct or delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about my personal information being inaccurate on my credit report. I've called TransUnion, XXXX and XXXX about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote 3 letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.
Product: Credit card or prepaid card

Our grandmother passed away in XXXX, and my husband rented a mini ban to transport our family members to the funeral, then an XXXX  truck to clear her apartment. He opted out the collision waiver, since it was included in our Citi Double Cash Card, per its brochure in XX/XX/XXXX and a benefits update e-mail in XX/XX/XXXX. 

Both rentals were vandalized and damaged, and XXXX and XXXX charged us for the damage. I called the benefits department on XX/XX/XXXX, and was told they removed the collision waiver on XX/XX/XXXX. We were never notified about the change, so I asked to speak to her supervisor, but after the representative put me on hold for twice, I was told the supervisor was not there. 

I called customer service twice to file a complaint, but nobody contacted me. I sent a letter to them on XX/XX/XXXX, asking them to reverse these charges from rental companies, but never heard from them.
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: Checking or savings account

I tried to send a wire with Ally Bank. As part of this they asked me to call in, no worries, I did the next day. They asked me for my social and I told them that I don't feel comfortable giving it out because of identify theft issues in the past, but I'm happy to answer other questions. The person said fine, they authenticated me and then said I needed to call back again the next day. Sure no prob. I did and they asked me again to authenticate using my social. I again said that I don't feel comfortable giving it out and to ask me other questions. This lady got really rude and unprofessional and hung up on me. I then learned my account was locked out so I can't access any of my money or even log into my account. 

I called back the next day and finally just gave up and gave them my social and did authenticate me, but they now told me that the last lady I spoke to flagged my account because I " refused to provide my social '' and I have extra steps now for " the safety of my account ''. I have to upload my drivers license, a photo of me with it, a color copy of my social security card, a utility bill and they can't confirm if there's more they will ask for after that. First this is a complete overreaction in the name of " security '', secondly I never gave them false info, and I explained each time why I didn't want to give out my social and thirdly I don't have some of that information with me since I'm traveling. 

I essentially tried to use one of the bank 's services and as a response they've effectively taken my money. The steps to getting it back are so onerous that it's possible I'm unable to ever get my money back. This is effectively stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Account Name : US DEPT. OF EDUCATIONXXXX Account Number : XXXX Balance : {$16000.00} RE : Requesting a Method of Verification Letter To whom it may concern : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

This debt has been transferred several times to the best of my knowledge. The accuracy concerns me due to no reflection of payments made by a third party on my behalf. I was enrolled into a loan forgiveness program that temporally had access to my federal student loan account and made several payments that I initiated. Subsequently, none of those payments are displayed in the payment history for this account. This is deemed fraudulent and unverifiable. This creditor has also failed to list the original creditor on my personal credit report. This is viewed as harassment due to their inability to report accurate information. Under this premise, I strongly demand deletion of this fraudulent account. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

This letter is not written in order to request an investigation, that has already occurred, yet didn't solve this fraud issue. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Product: Debt collection

I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXXXXXX XXXX  ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( Citizens Bank NA ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to Citizens Bank, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXX XXXX authorization to charge a Citizens Bank account XXXX in any dollar amount. Citizens Bank reopened my XXXX XXXX XXXX closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a XXXX XXXX and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud. 

Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number foXXXX XXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.
Product: Debt collection

I added XXXX Corporation to my XXXX XXXX XXXX starting XX/XX/XXXX GC SERVICES. 

I've made consistent payments since this date until XX/XX/XXXX because I've been financially impacted by COVID. 

I called the debt collection, which XXXX has sold off to different agencies in the past few years. I offered to settle at 20 % in XX/XX/XXXX with my unemployment money coming in the next week or two. They advised they would not settle at this amount. 

I have not received updated letters about the debt collections since then. Instead, the collector has reported multiple times in a single month to my credit report with all 3 bureaus. 

This account is not new and they are reporting it is as of XX/XX/XXXX. I've been paying this debt since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian. The lawsuit claims that Experian has not been forwarding evidence provided by consumers to furnishers, has accepted unreliable responses, and has failed to properly inform consumers about the outcomes of their disputes. 

I am requesting immediate corrective action to either remove or amend the disputed accounts. Experian 's failure to act violates federal law and my rights as a consumer. 

Additionally, I am asking the CFPB to publish a description of my situation on consumerfinance.gov to help others learn from my experience. I understand that my personal information will be removed from the description, and I consent to its publication.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

This debt has come back verified several times by Midland Funding LLC and it is incorrect. The alleged original balance amount was first {$350.00}. Disputed it again on XX/XX/2023 and it was changed to {$350.00}. The amount being reported is incorrect.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2019, I noticed a collections account on my credit report that is not mine. The account is with XXXX XXXX  for a XXXX  XXXX bill. I have never subscribed to XXXX XXXX in my life and must be a mistake. However, my dispute result somehow verified the account is accurate. I have contacted XXXX XXXX requesting for proof the debt is mine. I have yet to hear back.
Product: Credit card

`THIS HAS BEEN AN ONGOING DISPUTE WHICH CONTINENTAL FINANCE HAS BLATANTLY BEEN VIOLATING MY FEDERAL RIGHTS TO HAVE THIS GOOD STANDING ACCOUNT REPORTED! 

Since XX/XX/XXXX XXXX, XXXX ( I have all documentation ) I have been disputing and corresponding with a supervisor name XXXX regarding my XXXX credit card ( XXXX ) being reported to all XXXX bureaus. I have been emailing and sending documentation to him ever since. he has been telling me he will have it reported but has not. From the very beginning XX/XX/XXXX when I noticed on my credit reports it was not being reported I contacted continental finance. initially, it was n't being reported to both XXXX and XXXX. its since been reported to XXXX but still not to XXXX. XXXX XXXX, supervisor at continental finance informed me XX/XX/XXXX that continental finance was in fact, reporting it but XXXX had a security block and that was the problem why its not reflecting on XXXX ( I have a ltr from continental finance dtd XX/XX/XXXX ) I then disputed XXXX and received results on XX/XX/XXXX XXXX, XXXX ( report number XXXX ) and the concluded their was in fact NO BLOCKS WHATSOEVER! 
Since XX/XX/XXXX XXXX, XXXX ( have documentation ) I forwarded the XXXX results stating no blocks and wrote/contacted XXXX XXXX and noted their was NO BLOCKS!. I BEEN PLAYING PHONE TAG AND AWAITING BROKEN PROMISES FROM XXXX XXXX EVER SINCE. 

IN CONCLUSION : Their are no blocks on XXXX end! continental finance states a block is the reason it s not reflecting on my credit report. this is an old account with many years good standing. I HAVE BEEN IN TOUCH WITH CONTINENTIAL FINANCE REQUESTING/SENDING DOCUMENTATION SINCE XX/XX/XXXX XXXX, MORE RECENTLY IN XX/XX/XXXX XXXX, XXXX LTR AND COPY OF DOCUMENTION REFUTING THEIR CLAIM OF A SECURITY BLOCKTHEY BLATANTLY REFUSED TO COOPERATE WITH FEDERAL LAW AND REPORT THIS ACCONT ON MY CONSUMER REPORTS!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 findings indicate that Zelle has not only neglected to protects consumers but also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.