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

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. BARCLAYS BANK DELAWARE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I demand the following accounts be verified or deleted immediately. 



1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please delete immediately. 

XXXX. There was never late payment in XX/XX/XXXX. 
XXXX XXXX Account Number : XXXX If unable to provide proof of late payment XX/XX/XXXX then please update to paid as agreed never late. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Delete immediately. 

11. Please verify or delete. 
XXXX  Account Number : XXXX Please delete immediately. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Please verify or delete. 
XXXX XXXX XXXX Account Number : XXXX Please delete. 

14. How are you reporting this account on my report when it is a MEDICAL collection and a HIPPA violation XXXX XXXX XXXX  Account Number : XXXX Please delete immediately. 

15. Please explain how you verified this account to remain on my report when it has already been sold and transferred to another lender. 
XXXX Account Number : XXXX If unable to explain then please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a dispute was filed on my behalf by XXXX XXXX for a XXXX XXXX ( XXXX ) TRANSUNION is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from TRANSUNION, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for TRANSUNION to delete this XXXX XXXX ( XXXX ) immediately. I intend on holding TRANSUNION liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this account.
Product: Checking or savings account

On XX/XX/2018 I tried to use the ATM and was notified that my account was in a review process due to fraud. Customer service ( chase ) notified me they had the right to not disclose anymore information and that my account would be closed in 10 business days ( they did not know 10 days from what day either ). On XX/XX/XXXX, my direct deposit from my employer came in ( I was not able to stop it from being deposited, in such short notice ). That day I called them because it was not being reflected in my balance and they told me that I had to wait 2 business days for them to review its validity ( which sadly was during XXXX when I needed access to my check ). I waited 2 business days since they promised that once cleared I can call them back for them to authorize a local branch to let me withdraw my funds. However, when I called again, On XX/XX/2018, they told me that the account was now in process of closing and they could not grant any branch permission to give me my money! Now I had to wait and additional 10 business days from check issue date to get my money ( I don't even know when they will decide to issue me a check, they don't know either! ) I am very upset, because to begin with I know they closed my account because I filed a claim with them due to their ATM eating my cash deposit on XX/XX/2018. The next day, they retaliated against me and closed my account. Giving me only 10 business days to change direct deposits and ACH/check debits from an account I have had for more than 12 years! They also chose the worse time of the year to do this and held my paycheck ( which is clearly legit money ) hostage for  so long. Now, I am short my whole paycheck throwing me off completely and not letting me pay my mortgage. They have caused so many problems for me because of their abuse of power. It is very unfair that they pick on common citizens like myself with no kind of remorse.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. While disputing thr information with the 3 credit bureaus and companies where account were opened, I received a letter back from the Credit Bureaus that I have received goods and services from the credit companies involved and the request to block must be in error. These accounts were opened without my knowledge and I never received any goods or services.
Product: Student loan

First, I will start with  XXXX   XXXX . I applied for and was approved through this company for student loans,  whichI thought w as great since I was on my own - but did not realize how negatively the rates I was approved for would hurt me in the future. When I would call to lower payments, I was absolutely convinced that forbearance was the way to go, I was n't making nearly enough money to afford these loan payments. Again, I was trying to do this all on my own as a young adult and did not feel as though all options were presented in an order that would be most beneficial to my future. Gradually, my payments keep increasing, and all this time I thought I was just stuck with this . Navient then too k over my private student loans from  XXXX   XXXX . I recently logged in to the website and noticed that the interest rate I am being charged is higher than was  XXXX   XXXX  was charging, and still my monthly payments keep increasing. If they were just taking over my previous loans, how can the interest rate be higher??
Product: Credit card or prepaid card

Recently, Using the Chase XXXX XXXX card, I booked a flight with 19,370 points on XX/XX/XXXX for travel XX/XX/XXXX. The XXXX XXXX comes with a hefty {$450.00} annual fee but ( claims to ) offer some superb travel protection benefit. This flight was cancelled requiring an overnight stay kicking in the travel protection benefit. Now the issue is that it has been nearly impossible to claim this benefit. After submitting the proper forms to the claim agency, more forms were apparently needed to show proof that the points used to book the flight were from my Chase XXXX XXXX card. Getting this documentation from Chase was nearly impossible, requiring being on the phone more than 3 hours and transferred multiple times. The card advertises this amazing benefit and several others, but when it is this difficult to claim the benefit, it becomes far more of a hassle than it is worth. For them to charge {$450.00} for an annual fee and then not deliver on the benefits promised seems like they should be taken action against. And after the 3 hours on the phone, 5,000 points were offered in compensation but never received.
Product: Credit reporting or other personal consumer reports

I've asked this to be reinvestigate on XX/XX/XXXX and for Equifax to provide a method of verification. I received something 5 days VIA email from Equifax that these accounts came back verified, when I was never provided with any verification. Can you please properly investigate these accounts and send me an update?
Product: Credit reporting or other personal consumer reports

Upon reviewing my latest consumer report furnished by EXPERIAN. Your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA Permissible Purposes, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Pursuant to the Fair Credit Reporting Act, makes it clear that a consumer reporting agency EXPERIAN in accordance with 15 USC 1681c-2 Block of information resulting from identity theft ( a ) a consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I did not authorize these bankruptcy. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System XXXX Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report. 


REMOVE THIS ITEM IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed a new inquiry from capital one 4 different times on my report. I have never applied for this account especially not this many times please remove this for it is fraudulent that this company allows this
Product: Credit reporting

I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX XXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. Experian still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
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. Such was the case on XX/XX/2023 being my biggest lost of {$2900.00} from my account and even with Zelle having the recipient 's number they were not able to remotely help or try to assist in resolving the issue. 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.
Product: Checking or savings account

On the XXXX of XXXX, XXXX, and XXXX I have been charged a {$25.00} service fee for being under the {$20000.00} in total between checking, saving, and CD required to have a premier checking account with Wells Fargo. 

This is due to the Wells Fargo app telling me my direct deposit is available 3-5 days before the XXXX. It will show I have my direct deposit all the way until the end of the month, but then when the XXXX rolls over my statement will show that I was never given the direct deposit until the XXXX, which then puts me under the {$20000.00} total required. 

I contacted their primer checking hotline and was essentially told that I should wait until the XXXX of the month to make any purchases to ensure I am not spending money I do not have. I repeated multiple times that the app is telling me I have the funds and was notified that the funds were available multiple days before the end of the month. 

They put in an escalation ticket after I requested to speak to someone higher. Then I got an email from the escalation team essentially saying that the fees were just. The escalation team did mention the XXXX fee was waived, but the other XXXX were staying.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year>, {$540.00} was transferred into my PayPal account. One the same day, I transferred the money to what I thought was my husband 's PayPal account. Within XXXX hours I realized he hadn't received the funds. I contacted PayPal immediately. They said the funds had been sent to a different person with the same name as my husband and there was no way to get the funds back. I have talked to PayPal at least XXXX times since then and they have been totally unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX  account on my credit report that did not belong to me nor did I have a contract with. I submitted a XXXX  complaint and got a response from the company. They stated that they will inform the 3 credit bureaus that they will remove the account. I have the letter from the company as well as my XXXX  complain number Complaint ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Equifax end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hi, I was checking my Experian credit report tonight and noticed a collection account as shown as follows : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : ACE CASH EXPRESS Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe Ace Check Cashing, nor have i ever taken out a payday loan with Ace Check Cashing due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at Ace Check Cashing was months ago for like around XXXX dollars, I have a great record with that company Ace Check Cashing in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other XXXX Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts though your company claims to have verified these. 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 XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, 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 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 XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from all three credit reporting agencies to provide the original contract of indebtedness as verification of the debt because I believe that the loan balance is incorrect. They keep saying it's been " verified '' with no copy of anything sent to me. This is very frustrating.
Product: Checking or savings account

On XX/XX/2023, our client made a payment of {$2100.00} towards the total cost of her projects needing done in her home. These projects are to be done in a short time period because she has to have an inspection to sell their home. Funds are supposed to be available immediately but they were not for this transaction. I was notified that there was a review and it would be a day or two until it's available. The next day, it's still not available ....

So I message Square through the help section. They tell me there is nothing they can do and I'll have to wait. I INFORM THEM THAT AFTER THIS TRANSACTION, ID LIKE TO CLOSE MY ACCOUNT DUE TO US LOOSING CLIENTS BECAUSE OF THIS. Keep in mind, we are on a timeline and this is wasting precious time. This money included the funds to purchase material for her jobs. Right as the funds should be made available ..... I get a message about possible fraudulent activity and they are holding the money yet another 2 days. Next day comes ...... I decide to call them. The gentleman was helpful. He reached out to the higher ups and then told me it would be available today XXXX XXXX. I'm still sitting here impatiently waiting. So I call AGAIN. Because at this time, we are about to loose ANOTHER client. Long story short ..... He tells me that it will be ANOTHER 1-2 business days for them to complete the review. In the review they asked questions like " have you met this person '', seriously?? She input the info from the link I sent to them from SQUARE. MULTIPLE TIMES I HAVE TRIED TO HANDLE THIS With THEM. NO RESULTS, JUST LIES, FALSE FACTS AND I TRULY FEEL THEY ARE MESSING WITH ME BECAUSE I SAID I WANT TO CLOSE THE ACCOUNT. I Need MY CLIENT MONEY. NOW. NOT ANOTHER EXCUSE AS YO WHY YOUR HOLDING IT!!!