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

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXX AND XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request the removal of a paid charge-off from my credit report, as well as to bring to your attention certain inaccuracies related to the reporting of this account. The account in question is as follows : Account Name : XXXX Account Number : XXXX I have identified discrepancies in the reporting of this account, specifically regarding late payments and the dates of delinquency, which do not align with my records. This inaccurate information is adversely affecting my credit score and, in turn, my ability to obtain new credit or loans, despite my efforts to maintain responsible financial behavior. 
Please review and send me confirmation of the last paid date, payment history, credit limit, payment status, last reported date and any additional information to validate the information provided to the credit bureau. 
I kindly request a thorough review of this account and an update to the information being reported to the credit bureaus. If these inaccuracies can not be substantiated, I respectfully ask that you promptly remove the charge-off and any incorrect late payment entries from my credit report. Your assistance in this matter would significantly help in restoring my credit standing and alleviating the difficulties Im currently facing in obtaining new credit.
Product: Debt collection

I checked my credit report on XX/XX/XXXX to see an account for PORTFOLIO RECOV ASSOC for XXXX XXXX XXXX XXXX XXXX. that is invalid. I have never received any correspondence about any of the account listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act. I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. XXXX - XX/XX/XXXX - {$460.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency is concerning and problematic regarding customer safety.
Product: Student loan

My credit report is showing this account as an open collections account. I spoke with their customer support and they assured me that they are not a collections company and I have confirmed that my account is up to date on its payments. 

I would like to have this collections account removed from my credit report as it is a current account and shouldn't be showing negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Credit card or prepaid card

XX/XX/XXXX - Pre Covid 19 I purchased 2 round trip tickets to XXXX departing XX/XX/XXXX in the amount of {$1200.00}. I was on XXXX XXXX with the XXXX XXXX when I purchased the tickets. I am now retired XXXX veteran whose served for 26 years. The purpose for the tickets was to a visit my son whom is currently serving on XXXX XXXX in the XXXX XXXX in XXXX. I used my Amazon rewards Visa card operated by Chase bank. I used a third-party booking site called XXXX to save money because I am on a fix income ever since retiring from XXXX XXXX. The Covid-19 Pandemic caused the cancellation of our trip. We started to contact XXXX around XXXX of XXXX they instructed us to contact the airline ( XXXX XXXX ). We contacted the airline and filled out the application for a refund they noticed us late in XXXX that they couldn't process they refund directly to me because of the third party XXXX purchase. They XXXX XXXX, will refund the money to XXXX who, then will process my refund. We did and keep receiving every month, status updates on the refund ( see attachments ). After multiple emails with XXXX inquiring of the status of my refund they sent me a response. According to the XXXX XXXX XXXX only refunded them back the amount of {$110.00} which they XXXX take a {$30.00} processing fee. I keep fighting this injustice and finally called Chase credit card services. On Monday the XXXX XX/XX/XXXX I had an appointment with chase credit card services to fill a dispute. I was shocked at the response from Chase. I'm a retired XXXX veteran who purchased 2 tickets while on XXXX XXXX to see his son also serving his country overseas ( XXXX ). There first response was that they ( Chase ) can only dispute charges they occurred within 120 days of purchase. I asked for a supervisor because this was not fair and the representative was being sarcastic stating that it was my responsibility to call within 120 days - those that make any sense? My trip was for 180 days from the purchase date but I only get 120 days to dispute something that hasn't happened yet. I was finally transferred to a supervisor in the dispute department in XXXX XXXX Texas. Where It was even worst. The supervisor told me that the maximum time to dispute a claim was 518 days? really first its 120 days and now its 518 days. I should have called back on XX/XX/XXXX and they would taken care of it. I followed all the instruction that the 3rd party XXXX gave me I followed all the updates, I communicated with the air line ( XXXX XXXX ) I have demonstrated due diligence. I'm a XXXX veteran and military retiree who follows instructions and who, but his faith in the institutions built by our country whom, I proudly served for over 26 years during a pandemic where in XX/XX/XXXX lost my father to Covid 19 and I have been unable to see my Son stationed in XXXX serving our country for the past 3 years Please return my funds and don't ever call me irresponsible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Saw XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Hi all, On XXXX XXXX, XXXX, I called the debt collection company " ARS national service , Inc '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to ARS and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. 
meanwhile, there is another debt collection company name " XXXX XXXX XXXX XXXX '' that is taking care of this debt after ARS. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. 
I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the ARS staff 's fault that didn't submit my payment, but why I have to take this responsibility. 
I hope you can involve this case, and let me know what is rights to protect myself. 

( one of ARS stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from ARS and I had conversation evidence with a person who was representing negotiated with ARS saying I paid off back in XXXX. 

my phone number is XXXX email : XXXX XXXX
Product: Credit reporting

THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.
Product: Credit reporting or other personal consumer reports

I found accounts and inquiries on my account that dont belong to me.
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 violates the Consumer Financial Protection Act ( CFPA ). Significantly, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my platform vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Trasnfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My capital one credit card was stolen and maxed out once I contacted capital one and they reimbursed all the fraudulent charges but didn't put a lock on the card or cancel it And the same person maxed the account another time and this time Capital one refused to do anything about it even though they should have deactivated the card that was being used and issued me another one but instead they closed my account with the maxed out amount owed from the person that stole the card
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX XXXX XXXX XXXXXXXX ACCOUNT I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a package from XXXX XXXX, for the following : XXXX XXXX ANYWHERE IN US : XXXX XXXX XXXX XXXX from and to anywhere in the US ( XXXX must fly within your chosen cities ). 
3 Nights of hotel at a XXXX in your chosen city. 
{$250.00} Gift certificate to XXXX XXXX in your chosen city. 

XXXX XXXX operates a non-profit organization, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, A NONPROFIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX | VIRGINIA | XXXX | XXXX I was communicating with a XXXX XXXXXXXX director of public relation and external affairs. XXXX per a phone conversation week of XX/XX/XXXX, stated this was all a fraud. 
I have sent over 10 emails trying to get a response, but no one never respond back. I did get a response a couple of months after the purchase. I made the purchase with my Macy 's American Express card. All emails within four months of purchase indicated I would receive the package. I never did receive the package.

I have submitted numerous emails requesting my package.

I have also contact Macy 's American Express but have been told the time frame of filing a dispute has expired. I feel Macy 's did not conduct a proper investigation as I uploaded all email communication with the organization. I have over 20 emails requesting the package. This organization took money from a lot of Veterans. A search on XXXX shows this organization took money from Veterans to have parties and expensive trips. 

Can you assist me in a refund? 

Below is the response I received from Macy 's. 

Dear XXXX XXXX, Why we're writing you Thank you for your inquiry regarding the charge made at XXXX on XX/XX/XXXX in the amount of {$350.00}. Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. 
Some important information While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX How to contact us If you have additional questions regarding your account, our Representatives are available to assist you. Please contact us online at XXXX  or at the phone number below. 
Please know we made a sincere effort to address your concern and reach a resolution. 

Sincerely, Customer Service Phone : XXXX I am a retired XXXX Veteran living on a fix income. I was drafted after XXXX and received an injury. I begged and begged these people for my package or a refund. I still have all communicating emails.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment upon discovering a XXXX  entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate it lists the XXXX  court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Credit card

See CFB closed file XXXX for prior information. 

Chase did refund the late fee, but did nothing to show the correct information on my minimum payment due ( which is XX/XX/year>2025 ). When I attempted to make a payment, all the info on my online account still showed a {$0.00} minimum amount due on XX/XX/scrub>/2025. When I went to find the statement, I found yet another document stating that my minimum payment for XXXX/XXXX/2025 was {$0.00}. When I went to the statement ( which was hidden in a different link ), it would not let me use the " make payment '' link because it said I had no payment due at this time. I had to go to the " schedule a payment '' in order to make my payment. This is not right. All my other credit cards actually send me a notice by e-mail that my payment date is coming a week before it is due. They state very clearly what the minimum payment is. Chase makes me hunt for it. There is no reason it should show, especially in two different places, that I have a minimum due payment of {$0.00} when it shows a different minimum due ( this case {$74.00} ) in an area that I have to search for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called XXXX and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. XXXX  request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. Lexis Nexis is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission. 

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report my information incorrectly. My name is XXXX XXXX and my only address is XXXXXXXX XXXX XXXXXXXX  XXXXXXXX XXXX  XXXX there should be no other names or addresses listed on my report. I have provided all required documents to the consumer agencies to verify this information.
Product: Checking or savings account

Every month I file the same complaint, Then each month Chase lies and says they stopped all communication with me. Then each month chase sends me more emails. They closed my account because I am XXXX and the ongoing emails only remind me of the bigotry I faced from Chase.