23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the recent CPFB lawsuit highlights significant issues with the platform. Despite using Zelly numerous of times and reporting discrepancies. My financial institution Zelle failed to investigate my claims accurately. They informed me they were recovering lost funds was impossible and tracking these claims was unfeasible. The CPFB the findings that Zelle indicated has not only neglected to protect consumers but also has repeat offenders to exploit the system, leaving users vulnerable to scams. Theres lack of accountability and transparency is unacceptable and raises serious concern about consumer safety
Product: Debt collection

constant harassment and phone calls from greenline loans about a debt. 
calls are once a hour every hour. 
I want them to be fined {$1000.00} and a check issued to me for this harassment which is against the law.
Product: Debt collection

I receive a letter from the debt collector then I responded with a validation letter to dispute the claim only to receive billing statements. During the validation process they continued to try to collect the debt and also never reminded the collection from my credit report
Product: Checking or savings account

I had a checking account with Citizens bank where I transferred XXXX XXXX XXXX from another account. Everything was going well then {$10.00} - XXXX was deposited into my account. These were funds from XXXX XXXX during the pandemic. I immediately called the bank to report this deposit because it was not mine and I didn't request anything from XXXX XXXX. The bank immediately restricted/closed my account and started an investigation. I called the bank days later seeing what was happening. I was told it was under investigation and I had to wait till the investigation was done. After XXXX - XXXX weeks go, I call again, the fraud was still under investigation. At the end of the month without and communication, I called the bank again. The bank said it was still under investigation and may conclude 60 - 90 days. After the 90 days was up, I called that the investigation is ongoing, I see the fraudulent funds were send back from an account statement, my funds that I added were still in the account with management fees ( {$9.00} ) being taken out each month and told it may take 6 months to a year to resolve. It's just about 3 years, my account is closed, my money is still in there with fees being taken out and still under investigation.
Product: Prepaid card

I BOUGHT XXXX GIFT CARDS FOR THE AMOUNT OF {$200.00} ON EACH GIFT CARD AT THE XXXX XXXX STORE BUT WHEN TRYING TO USE THE CARDS I CAN'T USE THEM IT SEEMS THEY ARE BLOCKED I WENT TO THE XXXX XXXX STORE THEY TOLD ME TO SPEAK TO GOOGLE PLAY BECAUSE THE SALE WAS SUCCESSFUL AND DOES NOT HAVE A REFUND, I HAVE PROOF OF THE RECEIPTS OF THE PURCHASE OF THE XXXX GOOGLE PAY GIFT CARDS
Product: Debt collection

I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves. 
This was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas. 
Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. 
After months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action. 
I figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections.
Product: Credit card or prepaid card

i had an credit card account with chase bank, a ink business card. The account was open for about a year ( opened about XX/XX/XXXX ) i used it for business making purchases and paying them in time the account was in perfect standing never a late or returned payment never sold the point or did anything that was against there term and conditions and then on around XXXX XXXX  2018 i logged on to my account and i saw that they have closed my account i called up and was told they have decided to close my account based on a back office decision all my requests for them to reveal the reason were not returned
Product: Credit card

I filed an complaint with Citi Cards XXXX on XXXX, I advised Citi Cards that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Product: Debt collection

I have contacted XXXX XXXX XXXX  about this matter. pursuant to 15 usc 1692g I ask this procollect inc for validation and a copy of any documents bearing MY SIGNATURE, showing that I have a legally binding contractual obligation to any alleged debt. I do not have an account with at t nor do I have a contract Procollect Company. I am the original creditor and i do not validate this debt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal dispute regarding outdated addresses that continue to appear on my EXPERIAN credit report, despite the fact that I no longer reside at any of these locations. Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I am requesting an immediate investigation and removal of these obsolete addresses as they are no longer accurate, relevant, or associated with my current financial activity. 

Disputed Addresses : 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 FCRA 609 ( a ) ( 1 ) As a consumer, I have the right to request all information maintained in my credit file and dispute any inaccurate, outdated, or unverifiable data. Since I no longer reside at these addresses, they are no longer relevant or necessary for reporting.

FCRA 611 ( a ) ( 1 ) ( A ) The credit bureaus are required to conduct a reinvestigation of any disputed information within 30 days. If the disputed information can not be verified as accurate, it must be deleted from my credit file immediately.

FCRA 604 ( a ) ( 2 ) Credit reports should contain only necessary and relevant consumer information. Outdated addresses may lead to potential errors, identity confusion, and incorrect reporting.

Please confirm receipt of this dispute and provide a written response regarding the actions taken. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX dr. XXXX XXXX, NC, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to address a matter of great concern regarding my recent experiences with Klarna 's services on XX/XX/ particularly in relation to order # XXXX amount {$530.00} and order XXXX amount {$570.00} It has come to my attention that Klarna, despite advertising as " no credit history required, '' has been conducting soft background checks on customers without their knowledge, potentially violating 15 USC 1692j by furnishing certain deceptive forms. Furthermore, I have provided evidence to Klarna indicating that the signature on the order was fraudulent and not mine. 

Despite presenting this evidence and disputing the charges for an undelivered order, I received an email from XXXX, a Customer Service Representative in Klarna 's Dispute Resolutions department. The email stated that the decision in my dispute is final, and the statement for payment has been reactivated. This action, along with the language used, seems to violate 15 USC 1692b ( stating I owe them money ) and 15 USC 1692d ( harassment or abuse ). 

I am troubled by the insistence on payment for an order I did not receive, especially after providing evidence of fraud. I request that Klarna thoroughly investigate this matter, refund me for the charges related to order # XXXX and XXXX, and promptly remove any fraudulent charges. 

I appreciate your immediate attention to this issue and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my professional dissatisfaction with the manner in which my recent dispute was handled. On XX/XX/2023, I received confirmation that the account titled XXXX XXXXXXXX XXXX XXXX had been permanently deleted from my credit report, as it was identified as unauthorized and fraudulent, as clearly shown in report number XXXX. However, to my disappointment, on XX/XX/2023, the same account was once again added back to my report, causing me additional stress and anxiety. 

I promptly took action and sent the necessary proof of residency documentations, as well as a FTC Report to support my dispute. I had hoped that these measures would help to expedite the process and prevent any further inconvenience. Despite my efforts, Experian unprofessionally disregarded my dispute and re-added the fraudulent account to my report. 

To make matters worse, without my consent, Experian initiated a new dispute numbered as XXXX, which resulted in the XXXX XXXX XXXX XXXX  account being listed as updated. I immediately contacted Experian to request that this account be permanently deleted, as it is clearly fraudulent and unauthorized. A representative created a new dispute numbered as XXXX, which was intended to resolve the issue within XXXX hours. 

However, when I requested a confirmation email of this new dispute, I was transferred to six different representatives, each of whom claimed that they were unable to assist me. This experience has been incredibly frustrating, unprofessional, and has caused me a great deal of stress and anxiety. 

I demand that Experian permanently delete the XXXX XXXXXXXX XXXX XXXX account from my credit report, as it is fraudulent and unauthorized. I have provided ample documentation to support my claim and have followed all necessary procedures to resolve the issue. This experience has left me feeling violated of my rights under the Fair Credit Reporting Act ( FCRA ) and I expect this matter to be promptly resolved. 

I request that you take immediate action to permanently remove the XXXX XXXXXXXX XXXX XXXX  account from my credit report and ensure that it never reappears. I trust that you will take this matter seriously and address it with the utmost urgency. 

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

I am submitting this complaint against XXXX XXXX XXXX, XXXX, Transunion and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : XXXX XXXX XXXX is reporting two fraudulent collection accounts on my credit file : XXXX. Account XXXX XXXX in the amount of {$2800.00} XXXX. Account XXXX XXXX in the amount of {$2300.00} I have never had any contractual or financial dealings with XXXX XXXX XXXX and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both XXXX XXXX XXXX and XXXX and the other two credit reporting agencies.. 

Despite my disputes : XXXX claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. 
XXXX XXXX XXXX has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. 

Specific Violations : XXXX. XXXX, Transunion and XXXX Failed to disclose the method of verification for the disputed accounts. 
Continued to report unverifiable accounts, violating Section 623 ( a ) ( 3 ) of the FCRA. 
XXXX. XXXX XXXX XXXX : Failed to provide validation of the debt, including proof of the original agreement with my signature. 
Continues to report these debts without verification, violating the FDCPA and FCRA. 

If no verification is provided, the accounts must be permanently deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home
Product: Credit reporting or other personal consumer reports

In order to ensure and obtain a 100 % accurate and verifiable credit report In accordance with the FCRA, I have requested that XXXX, Equifax, and XXXX to remove an unverifiable account from my credit report via US mail and online dispute. I have stated that I am not liable for any debt with XXXX XXXX XXXX account : XXXX or XXXX XXXXXXXX XXXX XXXX I have not signed any contract with them whatsoever. 
Moreover, the credit agencies have not provided me with any of the documentation or proof that I've been requesting- via mail or online, yet they are consistently updating my disputes to include XXXX XXXX XXXX XXXX 

In addition to me disputing the account in its entirety, there are several inaccuracies reporting on XXXX and Equifax beginning in XX/XX/XXXX and then from XX/XX/XXXX through XX/XX/XXXX. XXXX has also mistakenly or falsely labeled my dispute reasons as : '' Invalid date '' However, I am 100 % certain that I submitted each dispute for XXXX XXXX XXXX as : " I do not recognize this account ''. 

The failure of the credit reporting agencies to timely and accurately verify this is account is negatively impacting my credit score and decreasing my chance at being accepted into a first time homebuyers program. I need a resolution as soon as possible. 
Thank you.
Product: Debt collection

XXXX XXXX XXXX may be calling you from XXXX ( XXXX ) XXXX XXXX to collect a debt. Submit a complaint and learn your rights FOR FREE today! 


There tactics are deceiving. I do not know what this is about. I am already receiving debt collection letters in the mail. Ive submitted a forwarding address with the US Postal Service. Im retired now, theyll have to wait their turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

9. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX report, it shows that XXXX XXXX XXXX that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another report.
Product: Consumer Loan

I recently learned of an usry law in Virginia that articulates a 12 % annual interest rate on these types of loans. I, unfortunately, took out several internet loans back in the summer. Upon learning of Virginia 's usry law, I contacted the XXXX internet loan companies to negotiate a lesser interest rate. I was able to successfully negotiate a lesser interest rate with the first company. However, I called this company today and spoke to someone to inquire about the process of getting a lesser interest rate and was told that the interest rate was based on the contract for my state? I informed the representative about Virginia 's usry law. She informed me that I could speak with a supervisor. After waiting for approximately 15 minutes I spoke with a superivisor who said the same thing that the contract was written based on the state laws. This company is actually charging 299 % annual interest rate which is much more than the first company that negotiated a lower interest rate with me. Moreover, when I asked how much longer did I have on the loan, the response I got was until I paid it off. However, with 299 % interest rate when will that be. I am willing to pay back the monies borrowed with interest ; however, after recently being informed I now realized that I have been over charged quite a bit.