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

I am writing to formally dispute incorrect address, paid off accounts that are on my account. This matter falls under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities liable for negligent non-compliance with the Act. 

On XX/XX/year>, I became aware that [ describe the issue, e.g., " your company failed to correct inaccurate information on my credit report despite my prior dispute, '' or " my personal data was disclosed without proper authorization ''. This failure to comply has caused me not to be able to get a personal loan or a buisness loan. 

To resolve this matter, I request the following actions : Immediate correction of the inaccurate or disputed information.

A detailed explanation of the steps taken to address my dispute. 
Compensation for any damages incurred due to this non-compliance, as permitted under the FCRA. 
If this matter is not resolved within [ reasonable timeframe, such as 30 days ], I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your corrective actions. You may contact me at XXXX or XXXX if further information is needed. 


Sincerely, XXXX XXXX
Product: Credit card

I opened a Bank of America rewards credit card after receiving a mailed offer in XX/XX/year>. I successfully received and activated the card, but shortly after, Bank of America placed a block on the account citing security concerns and prevented me from using the card on XX/XX/year>. 

I called the number provided by Bank of America and spoke with a member of their security team. During these calls, I provided all requested personal identification information, including verifying my identity and confirming recent transactions. Despite this, Bank of Americas XXXX team insisted that the only way to unblock the card was for me to visit a physical branch in person. 

The XXXX Bank of America XXXX is over XXXX miles away, requiring more than XXXX hours of travel each way. This is not a feasible option for me, especially since the bank has alternative methods to verify customer identities remotely. 

As a result of this block, I am unable to use the card to meet the minimum spending requirements tied to the welcome bonus offer. Additionally, I am also unable to even access the account to pay off the existing balance since the account is completely frozen. 

This process feels unfair, unreasonable, and disingenuous especially since I followed all the steps to activate and verify my account. Bank of Americas refusal to offer any remote verification options places an undue burden on me as a customer.
Product: Debt collection

On XX/XX/year>, I received an email from a debt collection agency ( XXXX XXXX XXXX, also known as National Recovery Agency ) regarding an alleged utility debt for {$81.00}, claimed to be owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt and believe it is invalid. I contacted the agency on the same day by replying to the e-mail and requested formal validation of the debt, as well as proof that they are licensed to operate as a debt collection agency in XXXX XXXX, where I reside. 

The representative from the agency, XXXX XXXX, acknowledged receipt of my request several times but refused to provide licensing documentation and stated that they are only required to verify the debt. He insisted that they needed my physical mailing address to send validation, even though all prior communication had been conducted via email. They did not provide validation of the debt nor licensing information, and I can not find a company by this name licensed to perform this activity in XXXX XXXX. 

On XX/XX/year>, I received a voicemail from the collection agency requesting a callback. I returned the call and spoke with a representative who said she couldn't answer question, and then transferred me to XXXX, a " XXXX XXXX XXXX XXXX', at approximately XXXX pm. During the call, I informed her of my previous communication with XXXX XXXX and again requested proof of the agency 's licensing in XXXX XXXX and verification of the debt. XXXX refused multiple times to provide the information, became belligerent, and then hung up on me after I notified her that the actions were inconsistent with consumer protection requirements and that I would file a complaint if information was not provided. 

I have checked publicly available records and can not find evidence that XXXX XXXX XXXX is licensed to collect debts in [ state of residence ], as required by local law. Despite my requests for debt validation and proof of licensing, the agency has continued to contact me without providing the required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXXXXXX 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 XXXXXXXX. 
I was locked up in prison when these account were opened.
Product: Credit reporting or other personal consumer reports

Hello... .I looked on my credit file which there is a collection from a third party says it's past due..which is not mine..Under your 15 USC 6802... 15USC 1681b ..18 USC 1082a... with this said ..I would like this deleted from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

The account information is incorrect, not accurate and no proper verification or investigation done by the credit bureau XXXX XXXX XXXX XXXX Account number # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXXXXXX XXXX XXXX, XXXX. 

Subject : Formal Dispute Regarding Collection Account To Whom It May Concern, I am writing to formally dispute a collection account that has been reported on my credit file. This account, which is being pursued by XXXX, XXXX, and XXXX, appears to be inaccurate or incomplete. I kindly request your assistance in verifying the validity of this debt and ensuring that all related activities comply with the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

I've done two disputes for XXXX and XXXX since XXXX. Saying this was not my debt I have no knowledge of this account this account isnt mine. And initially it came off my credit report all the way in XXXX or XXXX. It should not be back they are old debts. That now XXXX wants to put back on my credit as new debt and it's not it's been off my credit for years. And for them to add it back in XXXX is a disgrace knowing that it has been removed and you update the information to make a new account or debt is wrong. Please go back and investigate that these are the same debts previous that came off and should remain off.
Product: Debt collection

XXXX XXXX XXXX  and XXXX are the same debts different creditors and are both showing up on my TransUnion credit report for the amount of $ 3730.They both cant collect.Ive sent out a letter to TransUnion to remove this erroneous accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX RE : Discover Platinum # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Currently I am enrolled in active benefit with Discover Payment Protection Program. 
This benefit puts on hold monthly interest charges, premiums for such program, and minimum due payments, until benefit is no longer active. Benefirs were activated since last fall. 
A periodic renewal form Discover requires for me to sign, date, & return. A continuing form extends benefits,. When signed form remits back, benefits resume where they left off, to retroactively continue. 
BUT since early XXXX, Discover delayed to send form, while they charged my acct next XXXX billing periods : ( XXXX, XXXX, & XXXX ) DESPITE showing I remained enrolled and my benefits stayed active. 
Since early XXXX, six requests been made for form, to two secure addresses. Received not until XXXX. Faxed return by XXXX, the due date. 

Also Discover insists first class US mail ( without tracking ) be used to send form despite my offer to pay for a more secure delivery method. AS IF Discover determined, form is SUCH an important form, they would not allow a MORE secure delivry method! 

Discover deprived me of benefits I am enrolled in. I want a credit adjustment for 3 cycles of charges which are covered by my benefit. 

I request CFPB review, and direct Discover to place credit adjustment equal to charges that are protected while my benefits were to be continued and active. ( Continuing defines to pickup where it left off ) Lastly, I need to OPT OUT where company sends updates of card info automatically to vendors nust because theres recurring charge, or vendors otherwise established, returning responsibility to report updates/ changes in card info back to me. Vendors misbehave. 
I am entilted to share, or recind my card info or converted card # s to prevent misuse/ fraud by certain vendors. To OPT OUT of creditors sending updates of new card info to vendors. While this maybe more convenient now and then it unfortunately allows old / obsolete # s to still be used to authorize new charges, despite new numbers been reissued. 

Discover has refused to cooperate. They wont help me protect myself, and they dont recognize my rights. Please help to resolve this. 
Thank you. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Sent from my XXXX Sent from my XXXX
Product: Credit reporting

Why would the credit reporting agency want anyone to send their personal info to a XXXX consumer would have no idea if it is received by the appropriate party or lost in the mail ... Second when calling the reporting agency no human to talk. I personally made a mistake due to not understanding the voice prompted program and with XXXX of the agencies placed a freeze not knowing what this was for my only concern was my personal identity theft since my home was broken into and my social security card and financial documents were taken ... When you are under a lot of stress they should provide a human to handle these types of calls ... The consumer does not have any idea of the difference when initially contacting the agency.
Product: Checking or savings account

Whenever I see a payment about to come out, if my funds are a tad low I transfer it in immediately from another account BEFORE morning banking business hours. Or I go to the ATM and deposit cash. Never once have they declined my debit card when my funds are insufficient, they let it go through so they can charge me fees. And they are not using my over draft protection like my credit union does! I'm sick of it it's been hundreds of dollars stolen from me since XXXX.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; DEPT OF XXXX XXXX Balance : {$50000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX CT GA XXXX XXXX  XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Chapter XXXX XXXX  XXXX XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I asked the company about how to get the information taken off of my credit report & they informed me that they did what they could do & nothing else could be done. 

*Original creditor : XXXX XXXXXXXX XXXX *Balance details Paid off *Original balance {$2800.00} *Account type Collection *Status Paid in settlement The status is not allowing me to find housing. I am homeless and I am in dire need of housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Credco and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX XXXX letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXX Balance Owed : {$880.00}
Product: Debt collection

Dear CFPB, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report Bull City financial solutions in the amount of {$630.00} I am disputing this claim due to : I never live or have I ever been affiliated with address they have for this bill. They can not produce original contract with my signature. They will not try to resolve problem or investigate fraudulent account. 

This is my official request to have the aforementioned item to be deleted off my credit report and company be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Experian and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX,2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and  was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Checking or savings account

On XX/XX/XXXX I received a secure email message from Bank of Hawaii promising to reverse at least three ( 3 ) {$30.00} NSF fees from an earlier issue that brought that account negative. 
The bank did not reverse the fees as promised and the account remained negative and eventually charged off. The way that the balance was zeroed out upon the execution of the errant charge off made me believe that they were correcting the fees as they had promised earlier. 
A few weeks later I received a letter from their recovery department for the account in question ( # XXXX ) demanding the principal and fees balance, to my utter surprise, of at least {$91.00}. 

My account shouldnt have remained negative since they had promised to remove at least three {$30.00} fees and it shouldnt have charged off resulting in a negative mark against my checking history credit bureau account at XXXX XXXX XXXX and/or XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive sent multiple rounds of letters through the three credit bureaus regarding my capital one accounts because I do not remember having these late payments and believe them to be inaccurate. Further, the reporting of these late payments is different between the three bureaus and was changed by date since I made my dispute. Not removed, but the months noted as late were simply switched. 

I sent letters disputing these late payments on : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 The bureaus reported that the information was investigated and found accurate, but I have requested proof of method of investigation and and not received this material. 

XXXX XXXX is currently being sued by XXXX for reporting incorrect payments due to their internal system delaying payment received by customers who make their payments on time this is a widespread problem within the XXXX XXXX  system. 

Please reference the case here : XXXX XXXX XXXX Knowing that this company is falsely reporting late payments in a way that is so widespread, a national company is suing them, only further validates my claim.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the 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 protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

i put my checks into account at the cafe in XXXX or and i never got the refund of my funds
Product: Mortgage

On XX/XX/XXXX, we sent an insurance check of {$5500.00} to XXXX XXXX. According to their company policy for checks under {$10000.00}, they are to endorse and return within 5 days after receipt. They received the check on XX/XX/XXXX. I received a phone call today asking the loan number that this check applies to. However, this loan number is written on the face of the check. The representative said that management is confused and will not release the check. 

Previously for a separate insurance claim, XXXX XXXX did the same thing of sitting on checks and refusing to release the funds. This previous issue extended over a period of 3 months, wherein they refused to release over {$70000.00}. It wasn't until I processed a complaint that they released the funds. For this reason, I am filing a complaint now so that Paramount doesn't have a chance to draw this out for 3 months as they did before.
Product: Payday loan, title loan, personal loan, or advance loan

I had several lease purchases with Tempoe XXXX IncXXXX Also had lease with WhyNotLeaseit, which is part of Tempoe XXXX. I can not locate all the documents but i have attached one email I found from 2018. I saw there was a lawsuit, and I was not aware of the lawsuit. I am submitting my claim due to not being notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N. THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$940.00} XXXX CXXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting or other personal consumer reports

I am writing to you today regarding account # XXXX which was originally held by XXXX XXXX XXXX I have legally assumed this debt as a good will because XXXX XXXX XXXX has been unable to pay it and have paid it off in full I have documentation to prove it. ( See attachment ). 
The purpose of my correspondence is to see if you would be willing to make a " goodwill '' credit adjustment on the reporting of this account as PAID IN FULL to the XXXX credit agencies under my name. 
Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX I would like to STRESS that the information currently being reported is accurate, ( I am not disputing anything with XXXX XXXX  XXXX XXXX I am asking XXXX XXXX XXXXXXXX for a courtesy gesture of goodwill in having the credit bureaus adjust this account with the new account holder. 
I do recognize that this request is unique and that it may not be XXXX  XXXX XXXX normal policy. 
Please consider that the Fair Credit Reporting Act Section 623 ( attached ) demands that all accounts be reported and updated accurately if that account was reported to that credit agency. 
Therefore, Example XXXX XXXX XXXX will do that in this case for the above referenced account. 
Your kind consideration in this matter is greatly appreciated.