23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When determining a fair resolution to the issue youve described, several factors need to be considered. While I dont have all the details of your specific situation, here are some general suggestions for a fair resolution : 1. Refund or Compensation : A fair resolution may involve receiving a full refund for the purchase amount of the defective product or receiving appropriate compensation for any financial losses incurred as a result of the companys actions.

2. Replacement or Repair : Depending on the nature of the product defects, a fair resolution could include receiving a timely replacement of the defective product with a fully functional one or having the company bear the costs of repairing the defects.

3. Improved Customer Service : A fair resolution might also involve the company improving its customer service practices to ensure better responsiveness and timely resolution of consumer concerns in the future. 

Its important to note that the resolution should aim to address the issues you faced and provide appropriate compensation or remedies to restore you to a reasonable position had the issues not occurred. The CFPB will evaluate the specifics of your case and work towards a resolution that is fair and reasonable for all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is STILL REPORTING my INACCURATE account to Experian AS 60 Day delinquent WITH A UNPAID BALANCE! THIS HAS TRIGGERED MY XXXX XXXX XXXX AND CAUSED PHYSICAL & FINANCIAL HARM. 
On XX/XX/XXXX @ XXXX, I called XXXX XXXX  XXXX spoke with XXXX XXXX the Collection Supervisor ) @ ( XXXX ) XXXX - XXXX AT WHICH TIME she told me my PAY OFF BALANCE WAS : XXXX ~ Which I immediately PAID thru her USING MY BANKING INFORMATION THEY HAVE ON FILE. in noting ; MY auto loan WAS ON AUTO PAY for the ENTIRE LENGTH of my LOAN. WITHOUT NOTIFYING ME IN ANY SHAPE, FORM OR FASHION ; THEY STOPPED MY AUTOPAY!!! WHICH CAUSED ME TO GO INTO ARREARS IN THE 1ST PLACE!!!

I HAVE CHECKED MY BANK STATEMENT - WHICH VERIFIED THE {XXXX} WAS PAID! ( but due to Bank Regulations, I Could NOT SCREEN SHOT THE STATEMENH
Product: Credit card or prepaid card

I made a payment on the wrong credit card ending with XXXX for {$6700.00}. 
The payment should have been made to the card ending with XXXX.I have called Citi bank 4 times and all they keep doing is give me wrong information saying the mis applied payment will be transferred to right account.Its a shame Citi bank has not yet processed the mis applied payment transfer for the last two weeks!
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following inquires and accounts. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple Requests by fax to this stupid company but they wont Send me my report this is ridiculous they must be shut down and investigated their very rude never answer the phones victim of if theft and they dont care to provide me my report by mail
Product: Credit reporting or other personal consumer reports

I am a senior citizen living in the state of XXXX and I was recently notified by my bank that Experian credit reporting had put a delinquent remark on my credit bureau. When I read the bureau it was from XXXX XXXX that was showing late. I contacted XXXXXXXX XXXX and they sent me a letter through the CFPB showing that the payment was not late and they notified all 3 credit services XXXX XXXX, XXXX and Experian To remove the late payment. XXXX XXXX and XXXX both removed the late payment but Experian refused to do so. This has caused my credit to drop significantly. I have the letter sent by XXXX that was sent to the bureau I am asking the CFPB to demand that Experian remove the late payment reported by XXXX immediately and that the CFPB fine or penalize Experian for credit tampering
Product: Debt collection

I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at XXXX on XXXX XXXX and no response was given after I mailed request.This company is also reporting on my credit bureaus for the same debt as XXXX XXXX XXXX. So I have duplicate debt showing on credit file.
Product: Money transfer, virtual currency, or money service

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

For years I have been charged over draft fees when I had the money but something I thought posted had not posted and then posted after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed cmre financial service for reporting 21 times to XXXX  credit about a debt in regards to 2 hospital visits. They ruined my chances at getting any car loans. They are reporting excessively and the debts are not correct. I have had to dispute each one and they will not remove all of them just some. Please help me get them to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX, 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 instructions.
Product: Credit reporting or other personal consumer reports

I dont recognize inquiries from XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. I have reached out to Equifax 6 times about this and sent over a ftc report 3 times that they have signed for. I spoke to rep XXXX in consumer office affairs and he was rude and refused to help me efficiently. They are in violation because ive asked them to dispute it and verify how and they didnt and they havent sent me anything with a signature saying I approved it. Thats a violation of my rights 807and 15 usc 1681 to allow anything to be inaccurate on my account. How can they list this without my authorization or signature and I even filed a report but they still didnt remove it. I have paid so much money over nighting and getting everything signed just for them not to acknowledge it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Jefferson capital needs to provide how they verified this debt to the credit bureaus. How did you verify a debt using E-OSCAR? Provide through the CFPB portal the physical documentation your provided to the credit bureaus. If the information was sent as a numeric digit back to the credit bureaus then you have failed to do reasonable complete and accurate investigation.
Product: Money transfer, virtual currency, or money service

In or around XX/XX/XXXX of 2021, I logged into my CashApp account to retrieve a deposit but was told that I'd need to order a Cash Card to continue. I went and placed an order and was met with the message : an unexpected error has occurred. Please try again later. I went ahead and tried again and got the same message. I submitted a contact request the following day, and within 48 hours, they informed me that they could not tell me the exact reason why my Cash Card order could not be placed and that I'd have to wait 14 days.

Last week, I attempted to order my Cash Card again but was met with the same result, so I contacted CashApp support and received the same response. This time, though, I ioffered to provide supporting identification documents because I believe that is what's keeping them from completing the order or disclosing information about why my order couldn't be placed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$140.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and XXXX from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from a credit reporting agency that my credit score had gone down, twice in one week according to credit reporting agencies. On the day that I submit an application to rent a home my credit report dropped 32 points the same day. Trans union is using an account that I have never been late paying and always pay it off in less than 30 days. I never carry over a balance. It is an XXXX MasterCard that I use when shopping online to protect my bank account numbers due to identity theft problems in the past. Trans union, twice has reported this account as one that is carrying a balance more than 30 days and it is severely affecting my credit score.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022
Product: Debt collection

XXXX XXXX filed a lawsuit to collect on a charged off credit card. To avoid a judgement, I called Midland on XXXX/XXXX/XXXX and agreed to settle the debt out of court for {$550.00}. {$300.00} was to be paid immediately and the remaining balance of {$250.00} was to be paid within 30 days ( XXXX/XXXX/XXXX ). I was told I would be sent a document to sign and return ( which I still have not received ) and upon making the last payment, I would be sent a letter staying the account had been paid in full. I made the first payment on XXXX after verifying on their website that the amount due reflected the agreed settlement amount, then made the final payment of {$250.00} on XXXX XXXX, XXXX. At that time the account balance was correct and should have showed a {$0.00} balance once the payment cleared. I checked the account on XXXX to ensure the payment had posted and found that they were then showing a balance of {$130.00}. I thought it may be a glitch so I waited another day and checked the account again only to find they were now claiming I owe a balance of {$230.00}. In addition to adding additional charges to my balance, they also made changes to how my payments had posted. Where there had only been the 2 amounts ( {$300.00} and {$250.00} ), the payments had been split up into smaller amounts and 2 additional amounts had been added showing a posted date of XXXX/XXXX/XXXX, which was not on there previously ( I have screenshots to verify this ). I have filed a dispute with midland but have not heard anything at all from them. The hearing for the suit was rescheduled to sometime in XXXX, and this needs to be corrected before that time. I do have a screenshot of the payment confirmation page from when I made the final payment stating that the payment was succesful and even says at the top it was for the balance in full ( though it does not show the actual amount paid, I do have proof of the amount I paid that day )
Product: Credit card or prepaid card

I applied online for a Citibank XXXX XXXX card. At the end of the process, I was NOT given an opportunity to approve the XXXX XXXX. Thinking that final approval would be contingent on my acceptance of some credit limit, to be disclosed prior to my final approval, I hit the " next '' button and received notice that I had been approved ... .. for a {$4600.00} credit limit. 
That amount is far below what I require. 
Therefore, I do not want the card. 
I have spoken with numerous departments at Citibank to no avail. 
In my opinion, no one should be allowed to complete a card application until they have seen and specifically approved the credit limit associated with the approval.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report. These inquiries are not recognized by me and are the result of identity theft. Despite my efforts to resolve this matter directly with the credit bureaus, they have not taken the necessary steps to remove these inquiries, even after my repeated requests. 

I am attaching an Identity Theft Report as evidence that these inquiries are fraudulent and do not belong to me. I have already requested that the credit bureaus remove these inaccurate inquiries from my report, yet they have failed to act in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you assist in the immediate removal of these hard inquiries from my credit report, as they are damaging my credit score and were not authorized by me. 

Please find attached the Identity Theft Report for your reference. I trust that you will help resolve this matter swiftly, as I am committed to restoring the accuracy of my credit history. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Prepaid card

I was given an American Express gift card ( {$100.00} ) as a gift from a coworker. I've tried using it at numerous online merchants, adding it to my existing American Express account as a payment method, adding it to XXXX as a payment method and none of these have worked. i'm unable to use the funds on the card for anything i've tried to purchase that is below the card limit. I would like to somehow get my money from the card but am unable to do so no matter what I try. Thank you.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Checking or savings account

XX/XX/2022 my husband got a call from Bank of America saying that someone was trying to access our accounts thru XXXX. The number they called from was the same number on the back of the bank card. They " walked '' him thru stopping the transaction. Come to find out it was a scam and they were " spoofing* the phone number. They transferred {$3500.00} out of our personal checking account and {$3500.00} out of our savings. That evening when we figured it out because the checking account went negative over {$2100.00} we call the bank to report it. Then we also called our local Law Enforcement and made a report. The bank advised since it was a scam and not fraud we would not get our money back. The next evening the scammers called back, we hung up. Then we called the bank to let them know. Once again we were told we " probably '' will not be able to recover our money. The representative that answered even read me a script on the difference between scam and fraud. The next day we went to a branch office to talk to them. In their office they had a monitor up and it was showing about how bad XXXX is scamming people. When I pointed it out to the manager he said he sees between XXXX a week. He could not give me an answer on how they transferred money from my checking account that wasn't even there. He had no answers about anything but did advise us we probably won't get our money back also. So now we are out {$7000.00} and need to know our next step. Maybe the Electronic Funds Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report, I discovered that some of the information was erroneous and inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXXXXXX Balance : {$560.00}, XXXX  XXXX XXXX Balance : {$420.00}.
Product: Credit card

ACCOUNT ENDING IN XXXX WAS COMPROMISED DATA BREACH AND IDENTITY THEFT BELIEVED TO BE AT HAND AS WELL AS TEXT SCAMMING AND BREACHING DATA. 
I HAVE REQUESTED A NEW CARD FROM DISCOVER WITH AN UPDATE AND THEY HAVE NOT REPLIED