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

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX  never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX XXXXXXXX, XXXX, 2 ) XXXX XXXX, XXXX, XXXX 3 ) XXXX, XXXX, XXXX. I request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX but my credit report shows an outdated address as 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) XXXX. I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Debt collection

I paid the bill in full to XXXX witch at the time was XXXX dollars but they then shut my cell phone off and prevented me from using my phone during XXXX this was back in XXXX  then they charged me XXXX dollars I refused to pay more than what I owed and they put it negative on my credit report and it was reported for that way it went past the Ohio state of limitations witch is now XXXX  years finally it was removed from my credit report a month ago but today XX/XX/XXXX it has returned under Jefferson capital collection company again for the same amount XXXX dollars I am being scammed for more money than I actually owe and it should not be on my XXXX credit report or XXXX or XXXX report I will not be threatened or intimidated to pay far more than I have already paid directly to XXXX the account was paid in full and should not have ended up on my credit report I call this completely fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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 CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

One the date of XX/XX/22 I mailed out a dispute on several accounts and attached an FTC report, I also file a complaint through the CFPB on XX/XX/22 with complaint ID XXXX. It has been over 35 days and I have not received any mail pertaining to my dispute. I have disputed these unauthorized accounts listed on my credit report and there has been no notation made on the accounts, showing they are disputed. My life has been a mess by you reporting these inaccurate accounts on my credit report, I still have not been able to be approve for a home nor am I able to be approve for a loan to help provide for my family. I have tried on multiple occasion to get you to remove these unauthorized accounts from my credit report and I continue to get ignored. I HAVE PROVIDED PROOF OF FAILURE TO NOTATE IN LETTER ATTACHMENT
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX date opened XX/XX/XXXX XXXX {$3100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1200.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$820.00}, XXXX XXXX Cont Account # : XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$350.00}, XXXX & XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$260.00} XXXX XXXX XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XXXX XXXX of XXXX XXXX sought me out on XXXX XXXX poses as a health coach who could help alleviate my XXXX I have XXXX XXXX. I know people target us for scams. I was skeptical at first but after a week of texting I thought I would give his supplements a try. I have screenshots of the conversation. I did not order through the website. I agree to send {$50.00} for product with {$10.00} shipping totaling {$60.00} that I cash app paid around XX/XX/XXXX. I chose cash app because they advertised to be against fraud. I usually use XXXX. I waited a week and asked if there was tracking. XXXX told me I had to pay another {$50.00} for fragile insurance. I sent a photo of the usps insurance and told him I dont understand why he didnt mention that a week ago when I ordered and I asked him to refund my money because Im XXXX and I cant afford it. He denied me and at that moment I knew I was being scammed. I attempted to call cash app and didnt get very far. XXXX I called my XXXX XXXX  and put in an investigation reversal claim. The money was back in my account XX/XX/XXXX. I was told hold on to proof because they will need it to come to a resolution. Just last week I noticed the {$60.00} that was reversed back to my account was given back to XXXX XXXX. I called cash app 3 times. They said a manger would email me and they never did. It was a very difficult and impossible process to be listened to. I asked cash  app and XXXX how they can conduct an investigation without speaking to me or notifying me. XXXX told after the fact I had lost the money again the third party cash app was responsible. So XXXX lied and cash app never contacted me. They investigated from XXXX XXXX XXXX without any notification. Because it was completed nobody would do anything to assist me with flagging the scammer. He received no penalization for stealing my money. I never received my product and he asked for more money via whats app. I went through the steps and cash app sided with the scammer. Since then I request the money back from XXXX by begging. I feel like he is scamming other people out of money. His website is XXXX I reported him on XXXX and the government scam fraud website along with cash app. I kept searching for other ways to stop the o justice and I found this claim center listed under XXXX XXXX. I have yet to place a police report but I plan to. I have proof and cash app wouldnt assist me. Their XXXX XXXX is very limited. Allowing fraudulent scammer like this person to flourish.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I see this company is still reporting a charged off account from over 6 years ago. By law this should have been removed from all XXXX credit bureaus after the 6 years was up. It was only removed from XXXX and it needs to be removed from my credit report immediately. I am distressed this account has not be fully removed in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this Consumer to remove all non reporting accounts since they were consolidated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFBP 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 CFBP 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

A bank account with XXXX was placed in collections with another collections agency. Told them this was fraudulent and sent copy of police report reflecting that. Today I received a call from XXXX about this same account and told them the same information. They requested copies of the police report. Told her I no longer have and she needed to get the information from the previous collector. Woman said I had 72 hours or submit or collection call would continue and then hung up on me. I called back, spoke to another lady and requested to speak to a supervisor, she went over the same information. Told her I have no intention of addressing the matter any further and wanted to speak to a supervisor. She transferred me and I was told the same thing by another supervisor, told them I was n't sending any information and to cease and desist calling me. She said the collections process would continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, and XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Credit Agencies continue to break the law, refuse my request of verifying debt and are now using stall tactics to delay their duty of providing verifiable proof of the debt. I received a letter today asking me to verify my identity and proof of address which has already been done multiple times. Please see the attached document which was sent to them certified mail on numerous occasions. My original request is now over 45 days old and must be validated or all disputed items deleted. My only remedy is to persist in reiterating the law. 

Federal law requires that they respond within 30 days, and they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Their continued delays are inexcusable.
Product: Credit card or prepaid card

I have opened a dispute with American Express on my Gold Card for an amount of {$640.00} with XXXX due to not receiving an item from a seller on XXXX. The seller has repeatedly forwarded documentation claiming I received the item such as a forged signature from USPS ( the package did not have signature confirmation ) and another PDF showing that it was delivered in/at a mailbox ( which it couldn't have been if it was signed for as they claimed. ) I have provided all of this information as well as pointed out the discrepancies in their argument and spoken with the local post office who informed me that the package was delivered to another address in the same zip code, but American Express is taking my side for a few weeks and removing the charge before turning around and rebilling me due to the seller submitting more false and misleading documentation that provides no evidence that I actually had the package in hand.
Product: Money transfer, virtual currency, or money service

Cash app was fraudulent I have pictures of the money that was taken from me
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Mortgage

While trying to close on our VA refinance loan the loan process was taking what seemed like an inordinate amount of time. After reaching out to both our loan processor and loan officer we were assured that we were close to a closing date. However, after some additional weeks had passed with no communication from the lended I became concerned. I had gone through my emails at that time and found a communication from the lender stating that they would close in 21 days of less. With that said, we had signed our loan estimate documents and intent to proceed document two months prior. 60 days had passed since document to process the loan were signed yet we had still not received closing disclosure or final lending documents. I then contacted the lender to inform them of what I believed to be inaccurate and false statements in regards to their closing timelines and that I intended to proceed with filling formal complaints if this issue was not immediately rectified. A phone conversation with our loan officer followed in which they stated they had never stated a closing date of 21 days or less. I informed the lending officer of the email in which he had stated a 21 day or less closing time line, to which he stated that he did not sent the email and that an automated system had. I did inform the lender that his name was on the email and that it had come from the lending company. We had further discussion about if I wanted to close the loan application, which I did not. The subject of closing the application seamed to be a threat of retaliation, if you file a claim against us then I will close your loan. I informed the lender a second time that I did not intend to close the loan process and that if the process was closed I would look at filing a retaliation claim. The lender then stated that I had been the one that was making threats. When asked what threat that was the lender stated the treat of filing a complaint. I did tell the lending officer that this was a threat to preform the action the lender had already committed to. The phone call ended at that time. In addition, I wanted to state that the lender had also made previous claims that we would be able to " skip '' two month payment on our mortgage when we refinanced. I'm not sure of this claim is legal or not but wanted to add that information incase it was a deceptive lending practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and accounts were opened fraudulently, I contacted Experian and they told me to complete some sort of report, which I did. After waiting for 3 weeks, they have received it and have not done anything and continue to give me the run around. I need help and not sure where to turn.