23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Partially in the 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 has failed to investigate claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers, but also has allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency its unacceptable and raises a serious concern about consumer safety. Completely unacceptable.
Product: Credit reporting or other personal consumer reports

Experian has been reporting an inaccurate identity theft account ( XXXX ) which was furnished by identity theft and is therefore inaccurate information. Experian has received my request to block information furnished by identity theft and dispute on XXXX XXXX, as signed by XXXX XXXX on the attached return receipt. Consumer reporting agencies must investigate disputes within 30 days of receiving it. Since this company has been notified that I am a victim of identity theft and received the police report, FTC report, my ID, and social security card and failed to correct the information within 30 days, Experian is in violation of section 605B of the Fair Credit Reporting Act. 

Full details of the identity theft account are : XXXX ). Account Name : XXXX ; Balance : {$1800.00} ; Account number : XXXX ; Date opened : XX/XX/2019 ; Violations : Experian is in violation of section 605B of the Fair Credit Reporting Act for not blocking the account within 30 days. 

Experian 's refusal to remove the inaccurate information is a violation of 15 U.S.C. 1681c-1, which requires that a consumer reporting agency correct and maintain accurate information in a consumer 's credit file.

Experian is in violation of 15 U.S.C. 1681i, which requires that a consumer reporting agency conduct a reasonable investigation into the dispute of a consumer 's credit file. Since they did not conduct an investigation that complys with 605B, they are in violation of this section.

Since they refused to block this information, I have been denied access to credit as a result of them violating section 605B of the FCRA.
Product: Prepaid card

I have tried unsuccessfully to use this pre-paid Amex gift card at mulitple retailers, and every single transaction has been declined. Amex states that it is due to added security ( on their gift card website ) ; however, I am essentially left with a {$250.00} gift card that can not be used anywhere.
Product: Credit reporting or other personal consumer reports

Old capital one credit card, a limit of XXXX and it was misused by capitalone so I closed the account voluntary and it will not remove intentionally from XXXX in an attempt to get me to purchase their monitoring services. I dispute the items along with cred adj company a third party I never conducted business with.in which it is fraud and violates fair credit rep
Product: Debt collection

Portfolio Recovery is a debt collector that bought XXXX/XXXX XXXX The first call started on XX/XX/2020 phone number is XXXX at XXXX XXXX the town is XXXX Pa XX/XX/XXXX XXXX at XXXX XXXX XXXX Pa XXXX at XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Washington DC XX/XX/XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Not Valid ( XXXX is an area code for Puerto Rico ) XX/XX/XXXX XXXX XXXX XXXX  Pa ( coming up as not yet ) XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX IA As you can see not one of these phone calls are the same. When they do call and I dont answer the call the dont leave any message on my answering machine. My number is on the do not call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

Propagating false information that connects with my name. Improper usage and Improper authorization of my name that is tied to the accounts that needs removal of any false information tied to my name. And any incorrect address that's not my current address needs to be removed or any depth or accounts that tied to that incorrect address needs removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

As a Federal protected Consumer, I never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint. 

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : Southwest Collection Services- ACCOUNT NUMBER XXXX Southwest Collection Services- ACCOUNT NUMBER XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) an Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX I Spoke With XXXX Different " Relationship '' Agents, Along With A Manager For " Barclay '' To Get An Explanation As To WHY Are My " Purchases '' INFLATED AND CHARGED INTEREST On Page Five Of The Last Two Billing Statements.

1. Page One Lists XXXX For Purchases, And XXXX For Cash Advances : CORRECT. 
While Page Five Has A CALCULATION Of XXXX??? For The Purchases. The Actual Amount Though Is XXXX!!!! 
( Please See Attachments Dated XX/XX/XXXX - XX/XX/XXXX ). 
Second Agent Stated That The Additional Amount Is " From XXXX. '' RETRO BILLING. REALLY??? 
First Agent Just Ended The Call, And So Did A Manager. ( SUM " RELATIONS '' ). 
2. For The Billing Period XX/XX/XXXX - XX/XX/XXXX, Page One Gives XXXX For Purchases, And Cash Advances Of XXXX : CORRECT. 
BUT, Page Five Lists A CALCULATION Of XXXX For Purchases When The Actual Amount Is XXXX. 
WOW! 
I'VE BEEN CHARGED INTEREST FOR INFLATED PURCHASE AMOUNTS. 
ON AT LEAST TWO BILLING STATEMENTS ( POSSIBLY MORE ). 
MY PAYMENTS ALWAYS EXCEED THE MINIMUM DUE BY HUNDREDS YET MY PAYMENTS NEVER SEEM TO BE REFLECTED IN MY BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contacXXXX XXXX   Experian, and XXXX in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, XXXX and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX Experian and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XXXXXX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX  as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX AND XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXT ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

hello to whom it may concern. i did not open this -- XXXX XXXX -- account. iv disputed this account multipe times -- -- XXXX XXXX -- --. the crediter did not include an account number only XXXX so im also useing XXXX  for the account number my consumer rights are being violated under section 605b im am requesting all information regarding this accout be blocked in 4 days under section 605b please remove i did not open this account addresses are also not mine please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries -- remove please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries 10 please remove under set 605b
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : U S DEPT OF EDXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

I was told by credit acceptance that my auto loan didn't report on my credit due to a dispute they received from XXXX on XX/XX/2022 in allegations of fraud which has not been proven legally be either parties and by law credit acceptance is legally required to report my paid in full auto loan on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher Collection is incorrectly report a derogatory mark to all three of the credit bureaus. Account was taken care of with the original creditor XXXX XXXX. XXXX  was charging us for equipment that was not returned after the account was closed. Contact XXXX  on XXXX XXXX, 2020 and they email us the three ( 3 ) separate labels to return 3 different pieces of equipment. The equipment was mailed back via XXXX to XXXX   AND accepted at XXXX XXXX  loading dock on XX/XX/2020 @ XXXX XXXX. I contact XXXX  network directly and they credited the account for the equipment, waive the early termination fee because the contract was cancelled because a truck stuck the home rendering it to be unlivable and eventually the home was torn down. After they credited the account the remainder of the balance {$150.00} was paid in full directly to the original creditor XXXX XXXX. Amsher refused to remove the incorrect negative information citing the account is no longer with them it is now with XXXX XXXX XXXX @ XXXX. I have contact XXXX XXXX the advised they no longer see a balance and to contact Amsher to have the incorrect balance removed. We disputed the information with the credit bureau and Amsher continues to report incorrect balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX On the dates listed

above , the items listed were adding to my credit report without my consent. I want to inform your office that you are in violation of my rights by reporting false and inaccurate information. I have no knowledge of these accounts. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Checking or savings account

XX/XX/2022 Citibank closed my citi checking and saving accounts. 
I have no idea why this will happen. 
I communicated with their customer service. They said its their decision and refuse to give any details to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I sent a request to TRANSUNION to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents from the original creditor. Moreover, After more than 30 days, what XXXX did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. Both XXXX ad TRANSUNION definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.
Product: Credit reporting or other personal consumer reports

There is an account and address that is reporting on my credit report that dose not belong to me. 
I have sent multiple letters to the bureaus and called i provided my drivers license for verification proposes that the account and address dose not belong to me. They are not removing this unknown account and address off my credit report I have even filed an FTC Report with my drivers license. This is really concerning i do not want someone else 's address and account on reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX