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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Debt collection

Around XX/XX/2021 I called market apartments where I originally owed a {$630.00} unpaid that for my last rent payment. I spoke with the lady there and she stated that she can not find me in the system because the debt was already written off. I asked her if she can email me some thing that stayed at that saying that the debt has been written off.She said because the debt was so old and it was under the old management company that she could not. I then called the debt collection company regional recovery and let them know that the debt the debt been written off. I asked them to they provide me with the original company that I ordered that too and they could not. I have tried to dispute this on XXXX with no success. I do not believe I owe this Debt because it has already been written off by the old company and they are nowhere to be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Opp Loan continue to ignore my requests to correct the dates which are incorrect. I've sent the info to Opp Loans directly several times & to the CFPB for both XXXX and Opp Loans. Yet the dates reported continue to be dispute rather than paid and closed dates. XXXX has lowered my score with their inaccurate reporting. Opp Loans could care less. They don't want to fix it and I've tried several times going to them, then to XXXX. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and XXXX continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet XXXX and Opp Loans keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against Opp Loans with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letters to this company and havent received any feedback. I sent letters on XXXX XXXX, XXXX XXXX, XX/XX/2018 and XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reporting on all ( 3 ) credit bureaus that my Lending Club loan account and XXXX XXXX XXXX XXXX car loan accounts are showing as " closed accounts '' and not as " paid in full '' which is lowering my credit score. I'm asking that this is corrected on all ( 3 ) bureaus.
Product: Credit card

I purchased two appliances via XXXX 's and applied, ONLINE, for a Brandsource Credit card boasting 0 % interest for 24 months. I completed the application online and created an ONLINE account. To date I have received my stove but not my refrigerator. Approximately two weeks ago I received my card in the mail and have been unable to register it online. I keep receiving an online error message saying my card can not be registered. I can not reach anyone who speaks English at XXXX. Today I received three calls from " Consumer Protection '', supposedly a division of Citi. I hung up because I could not understand the foreign callers and I thought it was a scammer. I called back this afternoon and was able to speak to a woman who spoke English fluently ( XXXX ). XXXX said neither Citi or Consumer Protection are authorized to assist me because I have not called them with the 4 digit " verification '' code they mailed to me, via letter, 2 weeks ago. XXXX said no one at Citi can give me my balance, tell me when my first payment is due, mail me a paper statement, allow me access to my account online or tell me if I am racking up charges and late fees, all because I never received a " verification letter '' they claim they mailed. So, now I have to wait another 7-10 days for this letter to be mailed, I have to call a number and provide that code before they will assist me. So, to be clear, they allowed me to apply online, without any sort of verfication. Allowed me to purchase at least $ XXXX worth of appliances, mailed ME A CREDIT CARD WITHOUT VERIFYING ME, BUT THE MINUTE I WANT TO MAKE A PAYMENT OR ASK FOR MY STATEMENT, I CAN NOT BECAUSE I NEVER RECEIVED A VERIFICATION LETTER THEY SAY THEY MAILED? HOW IS THIS EVEN LEGAL? They will not tell me my balance, will not tell me whether or not I have accrued any late fees and will not tell me if I have lost my interest free promotion. How is this even legal? I am asking for the third time, that a paper statement be mailed to me, any fees, late charges or interest be removed and this account closed immediately please. I do not care to do business with the likes of this company. What a trap.
Product: Debt collection

i have file more than once to the ftc about XXXX XXXX  using strong-arm tactics by scamming me, they lie to me about collecting money i have auto insurance with them and credit cards at the time. the XXXX XXXX  call me using my auto account saying i needed to make a payment, i was at work so i did but got home and call the auto insurance said they did not! i told they what happen and they gave my money back! i have a file with the federal trade commission on this but still, i get a monthly collection company from different ones trying to collect! they are scamming and used underhand tactics and have put my health into problems. a vet with XXXX and XXXX and on fix income what is going on i can not get any help at all. even the ftc complaints are no good in helping with this matter! i want this completely to stop this is not right!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that underscores significant shortcomings within the platform. As a frequent Zelle user, I have reported multiple transaction discrepancies to my financial institution and Zelle, only to find that my claims were not adequately investigated. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible.

The CFPBs findings reveal troubling patterns, including Zelles failure to safeguard consumers and its apparent tolerance of repeat offenders who exploit the system. This lack of accountability leaves users like myself vulnerable to fraud and without recourse. I urge Zelle to prioritize consumer protection and improve its dispute resolution processes to restore trust in its platform.
Product: Credit reporting, credit repair services, 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 Account # 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

After receiving the letter from Sunrise credit services about a collection notice regarding the balance from a utility company. The account number was incorrect on the notice. After investigating, I found the utility company balance was from a property that was sold by me almost 1 and year half ago. I did not receive any notice from the utility company regarding any unpaid balance. Since, my understanding was that all accounts are cleared of balances due at the time of closing. Now, when the collection agency sent the letter it had a date on the letter stating that if I communicate with the collection agency before XX/XX/XXXXXXXX of XXXX, they must stop any collection actions and further investigate the charges. But, they instead reported the collections on my credit report on XX/XX/2023. I have communicated via email to them, explaining that the balance was paid in full to the original creditor after the utility company confirmed that the balance belonged to me. But I never received any letter from the utility company after I sold the property. So, now even the balance is paid in full to the original creditor. Collections agency is not willing to delete the collections reported on my credit report. 
Kindly help .thank you
Product: Credit reporting or other personal consumer reports

With all the errors and updates and modifications. My credit score was wrongfully decreased by nearly XXXX points!
Product: Credit card or prepaid card

The Merchant is attempting to charge me for an item I have not received. Paypal is debiting my account and not allowing me to submit proof I have not received the item. Paypal is not accepting responsibility for making sure transactions they process are not fraudulent. Paypal is ignoring fraud activities that are occurring on a regular basis for XXXX transactions. Merchants are using a loophole in XXXX policy to ship purchased items to unknown shipping addresses in order to hold purchasers reponsible for paying for products or services they never receive. As underwriter to these transactions PayPal has an obligation yo insure Merchants that post transactions through them are not committing fraud. Instead, Paypal ignores any attempt to report fraud and pulls money out of my account without giving me an opportunity to dispute. I have reported suspicious PayPal and XXXX activities to the U.S. Federal Bureau of Investigation ( FBI ). Paypal needs to take responsibility and address fraudulent transactions from Merchants they have vetting and approved to use their payment gateway. They do not take responsibility. I have attached documentation for a case where a Merchant is using an XXXX loophole to charge me for an item I did not receive. Also, the merchant issued a fraudulent insurance claim to collect payment twice. Paypal refuses to discuss the fraudulent activity with me and chooses to just withdraw money from my account without reviewing any documents from me.
Product: Credit reporting or other personal consumer reports

Despite consistently timely payments being made, the balance is consistently being reported incorrectly, with a delay of over a month. 

As responsible and diligent customers, we pay credit card bills on time and never late with payments. However, the inaccurate reporting of the account balance has a negative impact on our XXXX XXXX and overall financial reputation in real time for more XXXX days. In that space of time, it makes the difference in the XXXX XXXX you have and as a result the interest rate youre paying. This discrepancy is causing me great concern and frustration, as it does not accurately and currently reflect my financial standing. However, when you do not pay the negative reporting appears on the XXXX day! 

I kindly request that both XXXX XXXX XXXX XXXX and Experian investigate this matter thoroughly and rectify the reporting error as soon as possible. It is crucial for the accurate reporting of my credit card balance to be reflected on my credit history, as it directly affects my ability to access loans and other financial opportunities. 

I understand that errors can occur, but the consistent reporting of my credit card balance as more than a month behind is highly concerning. I trust that both organizations value their customers and take their concerns seriously. Therefore, I kindly request your immediate attention to resolve this matter and ensure the accurate reporting of my credit card balance moving forward. 

Please provide me with a written confirmation once the issue has been resolved. Additionally, I would appreciate any information regarding steps taken to prevent such reporting errors from occurring in the future. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and maintaining a positive relationship with both XXXX XXXX XXXX XXXX and Experian.
Product: Credit card or prepaid card

I have recently discovered that Wells Fargo opened a Fraudulent credit line in my name without my authorization. I have contacted Wells Fargo customer support and was of course confused at first not looking into or being knowledgeable about the big scam and I made a case about it, and they did an " Investigation ''. Wells fargo concluded that I willingly opened an account and they left a note on my credit score that I'm in debt to them. Now I can not open a creditline or get approved anywhere, I had no  previous credit history before so I imagine that made me a target for them. In late XXXX at a height in the scandal I was XXXX years old and at that time I was not interested in opening a credit line, although I had a debit card, not with wells fargo. According to them The account was opened XX/XX/XXXX the same Month of my Birthday. I also had been out of the country one month later, I left in XXXX and had no credit lines opened to my knowledge. I have researched on the fraudulent scandal Wells Fargo committed and how many citizens were affected I don't only feel concerned for myself but offended for the other people who had to go through this. I would like to find a way to get this off my credit score and have Wells Fargo harassment stop. Because they now want to collect roughly 1,200 dollars that I never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a bankruptcy report on my credit report. I am wondering where did you get the information because it is reporting inaccurately. I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in XXXX as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file. 

You are also reporting inaccurate addresses on my credit report that I never lived at. I have made several attempts to dispute them but you refuse to remove them.
Product: Money transfer, virtual currency, or money service

I have two accounts with Coinbase. I transfer my balance from the primary account to the second account. After doing so, I received the following email : ( You have {$410.00} USD worth of cryptocurrency in your Coinbase account that is currently unclaimed. This means it will be returned to the sender if you don't log in to claim it in the next 20 days. ) Email received XX/XX/2024. 

I never claimed the amount, so this is supposed to be back in my main account, but my balance is {$0.00}. No history is available. 

I have been trying to contact them since then and I have not received any email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX XXXX and the major credit bureaus XXXX XXXX XXXX XXXX and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the XXXX XXXX XXXX XXXX ( XXXX ) [ XXXX XXXX. XXXX et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX et seq. ], XXXX XXXX XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and XXXX. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and XXXX. If XXXX XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

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

I SAW A XXXX XXXX OF A FRIEND OF MINE AND SHE WAS SELLING SOME STUFF SO I MESSAGED HER. WELL IT WASN'T HER I WAS MESSAGING. I DID NOT HAVE HER PHONE NUMBER TO ACTUALLY CALL HER SO I JUST MESSAGED HER. I WANTED TO PURCHASE A WASHER AND DRYER AND A GOLF CART SO I SENT HER MONEY THAT SHE HAD ASKED FOR AS A DEPOSIT. BUT SHE KEPT TELLING ME IT WASN'T WORKING AND IT HADN'T CAME OUT OF MY ACCOUNT YET SO I THOUGHT SHE WAS BEING SERIOUS ... WHEN I SENT MORE IT ENDED UP HER GETTING DOUBLE. SHE GAVE ME AN ADDRESS AND MY DAD AND I WENT TO GET THE PURCHASED ITEMS AND I LOOKED IT UP ON HAR.COM AND IT WAS A GOOD ADDRESS, BUT WHEN WE GOT THERE IT WAS AN OLD ABANDONED LOOKING HOUSE. I AM SO STRESSED OUT AND THIS PERSON OR PERSONS HAVE MADE MY LIFE SO MISERABLE RIGHT NOW. I HAVE NEVER HAD THIS HAPPEN AND HOPE NO ONE EVER HAS TO DEAL WITH THIS. I HAVE REACHED OUT TO VENMO, PAYPAL, AND CASH APP, BECAUSE SHE STOLE MONEY FROM ME FROM EACH OF THESE. I AM SO STUPID TO HAVE BELIEVED THIS. I HAVE NO MONEY TO BUY GROCERIES FOR MY FAMILY RIGHT NOW BECASUE I HAVE MESSED UP. ALL PURCHASES HAPPENED ON XX/XX/XXXX. 
VENMO- {$800.00} PAYPAL- {$300.00} CASH APP- {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TOTAL- {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a dispute with Transunion on XX/XX/XXXX to delete the erroneous reporting of an alleged debt with XXXX XXXX XXXX XXXX. This is not the first time that I have requested that they verify that this alleged debt is accurate but each time it is returned as " updated and verified. '' It is my belief that their investigation practices are faulty as the other two major credit bureaus promptly deleted the entry on my report because it was not accurate. I would like to know what Transunion was able to verify that the other two credit bureaus were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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.