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

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX : {$41000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX @ XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities : Someone is going to the credit-reporting agencies changing my address. Also, my security freeze has been removed from my credit file. 

When I received a notification on my phone XX/XX/XXXX, I called the credit-reporting agencies on XX/XX/XXXX and other dates requesting a Fraud Alert on my credit file. While talking to TransUnion Customer Service - Fraud Dept, the lady told me I can also put a freeze on my account, too. She allowed me to pick my security freeze ID number over the phone. As of XX/XX/XXXX, the freeze status has been removed and someone went into TransUnions system and posted the old address. I was shock to see old information because I received letters from TransUnion coming to my current address. I found the old address accidentally, on XX/XX/XXXX@ XXXX XXXX and I changed the address to the current address. I found out if there are discrepancies on the credit file, the credit-reporting agencies, all the companies, I may want to get credit from and including myself will be unable to do a identification verification requirement. 

SEE ATTACHED DOCUMENTS : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX2019 4. XXXX XXXX XXXX XXXX XXXX XXXX2019 5. ssn
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to get a car from XXXX this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Product: Checking or savings account

On XX/XX/2019, a Over Draft was made to my PNC account. However, I cleared the overdraft the same day and as per PNC customer service they were unwilling to refund me back my Overdraft fee. As per PNC checking account guidelines in order to not get charged an overdraft fee the overdraft must be cleared in the same day. I followed PNC guidelines and were still charged a {$36.00} overdraft fee when I told them I need to pick up my prescription they dismissed it, and said there was nothing they can do. 

My Reference number from my PNC call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft : 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 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 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( XXXX Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to reach out to transunion to dispute a slew of credit inquiries that are reporting on my credit file inaccurately or in complete error. However their customer service would not assist in deleting the negative remarks for the below inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Thank you
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Prepaid card

I want to edit my previous complaint and add the card to show i actually have a card .... 
I went to use a {$50.00} amex prepaid gift card for {$20.00} on my XXXX but it said the card is invalid and i checked XXXX support and it didnt help and i checked the card balance, info, etc and it still didnt work, so i called and all i got for an answer was the robot voice saying for my protection that purchases wont go through or because the merchant didnt ask for the security code, although the XXXX store does ask for it.
Product: Debt collection

FDCPA states that a debt is owed when the consumer validates the debt and the steps of validation can be found in 15 USC 1692g with which Commonwealth Financial has violated making the claims fraudulent. They are also violating 15 USC 1692a which states a debt collector can not invaded a consumer 's privacy and HIPPA law and recent updates to the FCRA also emphasis this privacy notion. I had called the company about this account and I was on hold for over an hour to just have the automation hang up the phone. I, the consumer, demand for the account to be closed and removed from my credit report so it is no longer reporting negatively on my credit report and to receive compensation for the violated rights and the amount for the penalties is explained under 15 USC 1692k.
Product: Mortgage

follow up to complaint # XXXX. After speaking to several agents at Mr.Cooper, I finally was able to speak to a CS rep, who went over several large checks that were disburse and charged to our escrow. The amount of the disbursements were $ XXXX $ XXXX {$6700.00} ... ..this bring us to a grand total of {$28000.00}. A phone call to the taxing authority revealed and confirm although there is a XXXX tax exemption on the property, your mortgage company sent these checks and did not request a refund. A have communicated with a person by the name of XXXX XXXX and sent over, for the 20th time, a copy of the tax exemption. This request to refund the payments are urgent and time sensitive. This action does not need to be complicated by those who may not understand what or how to do this. We are expecting a smooth transition under a federal agency better equipped to handle mortgages transactions, disasters, taxe issues, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXXXXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act which is a Federal Law that governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Accuracy and fairness of credit reporting. ( 15 USC 1681 ( a ) 4 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.

Permissible purposes of consumer reports. 15 U.S.C 1681b ( a ) ( 2 ) 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.

This Credit Reporting Agency is under Federal Violation for using my Copyrighted information, therefore this credit reporting agency should remove all unwarranted information off my consumer credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. ALL HARD INQUIRES The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Prepaid card

An Amex {$250.00} gift card still attached to the paper that came in shows a balance of {$10.00}. 
How is this possible? 
This issue has happened on numerous Amex gift cards purchased from American Express. Unfortunately, American Express has failed to protect consumers from fraud and hackers using their gift cards. 
I would appreciate resolving the issue.
Product: Credit reporting

I had my XXXX XXXX card declined while at a purchase on XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ XXXX I called customer service and was told that I called yesterday ( that would have been XXXX ) and said that I was moving and to send me out a new card. When that happens the active card automatically gets cancelled and that is how I found out that my information had been stolen. XXXX gave me the address that the card was to be sent to and when I put a freeze on my credit report and went thru the information a was the address again along with other addresses and phone numbers that were n't mine. Also the dispute from XXXX XXXX that was supposed to be removed from my report. They sent me a pre-approved credit card application and I tore it up. A few months later I get a bill in the mail for a credit card that I did n't open. I find it strange that XXXX of the reporting credit agencies on my recent account is XXXX. XXXX again, reporting my address from a barber shop address in XXXX. I need some help to find out what is going on, I attached a copy of my report and everything in yellow is not me.
Product: Debt collection

I have no knowledge of the debt owed to this company. I have never done any business with this company nor have I signed any documents. According to 15 USC 1692c ( c ), If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. Therefore, there should be no communication nor should there be any report on my credit report because I do not owe Credence Resource Management LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to delete fraudulent and inaccurate accounts I sent XXXX notices to EQUIFAX, XXXX, and XXXX  that have not been rebutted. XXXX on XX/XX/2020, the second on XX/XX/2020 and the third on XX/XX/XXXX. No verification, validation, proof, evidence or rebuttal in the support of inaccurate reporting has ever been established. All three companies have failed to in their obligation to uphold the Fair Credit Reporting Act and someone soon needs to hold them accountable. Thank You
Product: Debt collection

Repeatedly contacted me and my employer about a debt that I incurred due to the hurricane cutting off my earning potential.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - XXXX, XXXX XXXX  XXXX XXXX,, has 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 a account without my written instructions15 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Money transfer, virtual currency, or money service

I received a letter from Citizens ( XX/XX/year>XXXX  ) stating that because I paid off my auto loan early, XXXX XXXX XXXX owes me a nominal refund for the GAP product. I am no longer accepting any USD payments due to bank failure. Please send any funds to the bankruptcy estate here : XXXX XXXX XXXX  Thank you.
Product: Debt collection

Your company is illegally trying to collect and is furnishing false items that violate my consumer rights and FDCPA and FCRA. Be advised that your claim is disputed. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act, 15 USC {$XXXX} and as amended by adding the following new Title XXXX XXXX {$XXXX} et seq., and the Fair Credit Billing Act, 15 USC. {$XXXX} et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any alleged obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the " debt '' by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.

This is was NOT a request for " verification '' or proof of Claimant mailing address or copies of bank statements you could find, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached " Declaration and Proof of Claim '' that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Credit card

Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am always on time, yet they are inaccurately reported as late.
Product: Credit reporting or other personal consumer reports

Companies have failed to do XXXX. Protection of nonpublic personal information ( a ) Privacy obligation policy 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. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

Financial institutions covered by the XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I have no prior notice written or verbal notification from XXXX XXXX Experian that information was being placed on my file. I was not given notice. If so, Please provide every notice and agreement immediately. You did not make legitimate attempt to notify me of debts be fore place them on my credit reports. 
( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Please provide with in 15 days of the information and documentation and process that was used to valid this information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particular in the light of recents CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPBS finding indicate that Zelle has not only neglected to protect consumers but has also allowed numerous offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency its unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

i originally sent XXXX, XXXX and equifax a letter opting out from reporting the mentioned account, they failed to comply with my opt out requests and continued to report. i would like for them to initiate arbitration and pay all the costs
Product: Debt collection

Sent a letter to Medicredit Inc in XX/XX/2022 requesting validation of debt. I requested the following information : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt ; whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and agency issuing the license, If you are contacting me from outside the state, provide the licensing information from your state as well. 

Medicredit sent me a letter about charges with my HIPAA information on the top but no letter of my release of that information as requested or any other information. As well as proceeded to continue to call and demand I pay this debt. I sent another letter in XXXX stating they violated my rights from failing to provide the necessary documentation.
Product: Checking or savings account

I have received my paychecks early for the past year via direct deposit. This past Wednesday, XX/XX/scrub>XXXX XXXX XXXX my paycheck was not in my account. I called Capital One and they said they were having technical issues but it should be resolved by end of day, latest the next day which would be Thursday XX/XX/XXXX. 
On Thursday XX/XX/XXXX my paycheck was still not in my account. I have items now that have been returned. I call Capital One. I spoke with XXXX ( associate ID XXXX who works in Delaware ) I am told they are still trying to resolve the issue. No credit is being given. There is nothing she can do and no XXXX available to speak with. She is very nice and empathetic but is unable to help. She knows this is the second time this has happened when I bring it up It is now Friday XX/XX/XXXX. I still have no paycheck in my account. I have sent emails to their accounts on XXXX and XXXX with no response. I also sent emails to the XXXX XXXX XXXX and a few other members of the leadership team. There has been no response from anyone. I still have no paycheck. This is the second time this has happened in XXXX months where they have been unable to provide customers with their paychecks.
Product: Credit card

During a stay at the XXXX XXXX in XXXX, Arizona there were XXXX stains all over the bed ( I have photos ) and what appeared to be bedbugs. I refused to stay there and demanded my money back, they refused. 

When I disputed the charge with Capital One Mastercard the credit card company refused to send my response to the vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. Attached below is all the information I have sent to the CRAs. I also have a lot of addresses on my credit report that I am not aware of. 

Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX