23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was scammed by a company saying they charged XXXX for a product which they falsified and charged me XXXX immediately XXXX XXXX notified me and I disbruted the charges the company transfered my money back it should have been placed back on my account they have been pending it for to long and now when I called them they want to pend it longer and have taken this transaction off my online account even though said it pending. They did this before. I don't trust what's happening. I've been with XXXX XXXX bank for almost 25 years when it wasn't XXXX XXXX but this credit card company carrying their name I don't trust very shady.
Product: Credit reporting or other personal consumer reports

I filed a complaint # XXXX with Transunion a copy of my credit report and noticed some hard inquiries did not get deleted. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The accounts are not my accounts and need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous of 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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX and TransUnion have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a reinvestigation of all my disputes with EXPERION. And the manner in which the investigation was carried out.? 
And by FCRA LAW as enforced by the FCC, I request that EXPERION include the name and phone number of anyone contacted in connection with the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Refer to complaint # XXXX - I requested XXXX  XXXX  to provide me with the validation of debt Ietter that is required by law, section 809 ( a ) of the Fair Debt Colletion Protection Act. Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must send a written validation notice unless the information is contained in the initial communication or the consumer has paid the debt. XXXX did not communicate with me through mail do to the fact the address they have on the validation of debt document is not my address and the address IS NOT on my credit reports. I request a reinvestigation of XXXX XXXX. XXXX  XXXX  state that they mailed me a validation of debt letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The address that XXXX XXXX has on the document is NOT on my credit reports. I have attached the letter XXXX XXXX sent to the Consumer Financial Protection Bureau as evidence. I have downloaded the document and will keep a printed copy. XXXX  XXXX  have violated the laws 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692c - Communication in connection with debt collection - I have asked XXXX  to cease communication with me, but they keep sending me documents. If XXXX XXXX  Experian continue to report this inaccurate information they are breaking these Fair credit reporting act laws.1681. Congressional findings and statement of purpose,1681b. Permissible purposes of consumer reports,15 U.S. Code 1681c - Requirements relating to information contained in consumer reports,1681d. Disclosure of investigative consumer reports 1681e. Compliance procedures,1681g. Disclosures to consumers 1681h. Conditions and form of disclosure to consumers 1681i. Procedure in case of disputed accuracy,1681m. Requirements on users of consumer reports. I HAVE ATTACHED THE XXXX  XXXX  DOCUMENT SHOWING THE ADDRESS.
Product: Mortgage

We were scheduled to close today XXXX XX/XX/21 XXXX. The title company 's notary showed up with an outdated closing disclosure XXXX CD ) that was dated XX/XX/21 ( the most recent advance copy we had received was dated XX/XX/21 and all parties agreed to it XXXX. We told the notary we would not sign the incorrect paperwork. Then the notary said he possibly received an updated CD on the drive over. He checked his email and said he did receive updated paperwork, but would need about an hour to go and print new closing documents. He came back with a CD that was still different than the CD agreed upon between us and Freedom Mortgage. Specifically, this new CD had us owing MORE money at closing without anybody from Freedom Mortgage ever contacting us about that. In fact, I have an email from Freedom Mortgage at XXXX XXXX  today verifying the cash at closing would be {$1700.00} XXXX yet it somehow increased XXXX. Even if we wanted to pay the extra money the bank was closed, and we already had a cashier 's check for the amount Freedom Mortgage verified earlier today. We were forced to either walk away or feel pressured to agree to the new loan terms at the time of signing. We refused to sign the closing documents at tonight 's second offering.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX. They 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 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: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX, XXXX, XXXX
Product: Debt collection

I have tried contacting the company several times Through mail and CFPB and nothing gets rectified. Theyve done a full investigation and have just updated numbers incorrectly on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an after I'm writing a complaint to ask you once more to look into the false accounts you've been reporting on my credit file. I'm writing to challenge the veracity of some data on my credit report that I obtained from your bureau. I just looked over my credit report from other credit agencies and discovered that several accounts were being reported incorrectly. Particularly, the following accounts display inconsistencies : XXXX XXXXXXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, account information must be reported accurately or updated. I request that you review the information on my account and make the relevant modifications as soon as possible.
Product: Debt collection

This is in regards to original credit card XXXX account # XXXX with the amount of or close to {$12000.00} has more than exceeded the California time statue to collect since its been more than ( 6 ) years of no payment, corresponded and or dialogue. I would like that collection agency below contacts XXXX And or other credit agencies to remove this negative Mark from my credit report and or to issue to me a letter on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES IN REGARDS TO THIS DEBT. BELOW IS THE COLLECTION AGENCY THAT PERTAINS TO THIS DEBT. 

MIDLAND FUNDING ( their account # XXXX : XXXX, Ca. XXXXPhone : ( XXXX ) XXXX
Product: Credit card

I received a notice on XX/XX/year> from JPMorgan Chase Bank which states the following : Update : We're researching the charge ( s ) you disputed recently Your account ending in XXXX Dear XXXX XXXX : Thank you for contacting us about a dispute ( s ) on your credit card account. We're researching it now and will contact you if we need more information.

Here 's what you should know in the meantime Please save all documents and receipts related to the dispute. This could include : Original sales receipt ( s ), credit receipt ( s ), proof of return or cancellation, or A record of correspondence with the merchant acknowledging the billing error.

The documentation you provide us may greatly influence our ability to resolve the dispute in your favor.

You do not have to pay for any disputed amount ( s ) while we research the dispute.

We'll let you know if we make adjustments to your account and when you'll see them on your statement.

If you have questions, please call us anytime at the number on the back of your card.

We appreciate your business.

Sincerely, Card Services If you haven't already done so, you must notify us of potential billing errors in writing at the Customer Service address shown on your billing statement. Please refer to the back of your billing statement for further information on Your Billing Rights, including how the process works. 
CLAIM ID : XXXX My complaint is that this notice does not list out the specific charge ( s ) that are being investigated and that I do not need to pay.

Please inform me of the charge ( s ) that this specific letter refers to.

Please not that I intend on following the instructions in this letter and I intend on not paying them as directed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX SVCS, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX EQUIFAX/ AND XXXX XXXX BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Product: Debt collection

Hello CFPB, PORTFOLIO RECOVERY Associates - continues to harass me claiming I owe on the following. The have not provided any documentation that I truly owe this debt. No signature, contract, or any details. For instance, no viable evidence, bearing my signature. Please tell PORTFOLIO RECOVERY Associates. To stop calling me and harassing about a debt they have not even verified. Both accounts should be removed from my credit right away. 

XXXX XXXX XXXX XXXX amt {$2800.00} / Open Date - XX/XX/XXXX XXXX XXXX XXXX  - amt {$980.00} / Open Date - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account InformatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timeliness : My account shows a XXXX late payment for XX/XX/XXXX, XXXX late payment for XX/XX/XXXX, a XXXX late payment for XX/XX/XXXX, and another XXXX late payment for XX/XX/XXXX, despite my payments being made on time for each of these months. I have attached bank statements and payment confirmations that clearly show no payments were missed or delayed. 
Clerical Errors : There seems to be a pattern of clerical errors in how the payments were reported. The payment history across different months is inconsistent, and the exact dates of supposed late payments do not align with my payment records. 
Incorrect Reporting Across Bureaus : The late payment records differ between XXXX, Experian, and XXXX, which further suggests errors in how these were reported. This inconsistency violates the accuracy standards required by the FCRA. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2022, I initiated a transfer of funds out of Optum Bank. 

On Tuesday XX/XX/2022, I received an email from an Optum Bank Risk Analyst that there was an issue. I responded to the email approving the transfer. 

On Wednesday XX/XX/2022, Optum Bank reversed the transfer and locked my account. I then spent over 5 hours on the phone attempting to resolve the issue and to have the funds sent immediately as requested. However, Optum Bank advised that they are unable to do so. 

Optum Bank prevented me from accessing my money and is still in control of said funds. I am unable to access this money as requested on XX/XX/2022.
Product: Credit reporting

I am a victim of Identity theft. A account was open on or around XX/XX/XXXX with XXXX that I did not authorize nor did I make. I have contacted all the credit bureaus letting them know I am a victim of identity theft. A police report has been filed with the XXXX XXXX XXXX Sheriff Department Report # XXXX on XX/XX/XXXX for Identity theft. I have also filed a complaint with The XXXX ( XXXX ) is a partnership between the Federal Bureau of Investigation XXXX FBI XXXX Complaint Id : XXXX I have filed a complaint with the Federal Trade Commission Reference. I have disputed it with all three credit bureaus and Cash call directly letting them know I did not open this account and that I a victim of ID theft and requesting that the account be removed as it is not mine and they still keep it there. Equifax & XXXX wont remove it.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request the immediate investigation and correction of inaccuracies and fraudulent accounts on my credit report. Despite multiple attempts to resolve these issues, including letters sent by me and my attorney, the process has not progressed sufficiently. It has now been over 65 days without resolution, which is an unreasonable delay and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

I have attached the following documents to support this complaint : Affidavit Identification ( ID ) Social Security Number ( SSN ) Supporting bills Fraudulent Accounts : The following accounts are fraudulent and need to be deleted immediately : 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 Inaccurate Reporting of Late Payments : Several accounts inaccurately report late payments on Experian while other bureaus correctly indicate no late payments : 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 ( Never late ) This inaccurate reporting constitutes a violation of FCRA provisions concerning the accuracy of credit information. These errors are causing significant harm to my creditworthiness and hindering my ability to progress in life, including pursuing housing and financial opportunities. 

Request for Immediate Action : I urge the CFPB to expedite this process and demand that the credit bureaus and creditors comply with FCRA regulations by investigating and correcting these inaccuracies immediately. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I had a credit card with Bank of America in the past, It was Credit Card XXXX XXXX.but before I closed my credit card. I had some late fee payment affected to my credit report which is leading me to get credit card delinquency occurs when a cardholder falls behind on making required monthly payments.it still stays on my credit report and I couldn't do anything.please help me.
Product: Debt collection

I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERCC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.