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

I have lived in XXXX for XXXX years. 
I initiated wire transfer of my SS deposit from Union Bank of California, monthly to my XXXX bank. 
Union Bank was recently acquired by US Bank. 
US Bank said they would still offer Transfer of funds from US to foreign accounts. 
What they did not tell me was I must initiate such service in person at a domestic branch. 
On XX/XX/XXXX, I received a letter from US Bank indicating they do not offer international wire transfer. 
I am unable to access my SS funds which are deposited to me on the XXXX of each month. The US Bank customer service representatives were not able to help. 
I had my brother visit a branch, on my behalf to find accomodations. 
They told him there is nothing they can do. 

I have no alternative way to get my money. 
I ask you to persuade US bank to allow me one final transfer to cover my needs until I can request Social Security to deposit to another bank.
Product: Credit card

Citi Bank stopped sending me paper statements without notification, which caused me to have two late payments which included late fees and interest. I have paid my bill current, have never been late before and paid in full every month. I have called customer service three times and we have come to the conclusion that, when you use the online site a box pops up with a check mark already in it. If you do n't remove the check mark, you have signed up for e-statements. I find this action very deceiving, if I wanted e-statements I would ask for it. I called after my first payment was late when I received a letter advising me. I was told I would now receive my statement in paper from Citi Bank. Citi Bank did not follow through, the following month the same thing happened and I had to make my second phone call to correct the same issue. Once again paid my bill in full over the phone, and requested my statement be sent to my home in paper form. Today, I received my past two statements as I look through them I wonder if interest and fees were credited. I make my third phone call, to find that Citi bank will only credit me one month of fees. I feel this practice causes consumers confusion, I just want to pay my bill. I do not want the banking instruction to solicit me whiling I 'm banking.
Product: Credit reporting

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to Equifax, XXXX and XXXX XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPD 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. They informed me CFBPs 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 or other personal consumer reports

I would like to request the complete and timely expungement of some fraudulent accounts in my credit profile, but I have not confirmed or accepted that these are accurate. I am disputing this under 623 FCRA 605b FCRA. I dispute the METRO 2 standards are followed on these claims and demands for payment. Please remove any negative information being reported immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. I looked at my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e, 15U.S. code 1666b Timing of payments.

Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. PLEASE DELETE THE FOLLOWING ACCOUNTS : 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

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

Account name : AFFIRM INC Account number 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 vears.

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

Was denied credit for inaccurate information reported by Sagestream LLC. I called many times to freeze my report, view the report and to block any potential false information from being reported. No one answers calls or responds to the many voicemail messages left. Their website says to fax all of my personal information just to request a freeze on my report. I never heard of this company and do not feel safe sending them my information and I can't even reach them by phone.
Product: Credit reporting or other personal consumer reports

It is clear that the information reported in relation to this account is erroneous. Whether due to reporting errors, outdated information, or other discrepancies, this item does not accurately reflect my financial history. The FCRA mandates that all information reported on credit reports must be accurate and up-to-date, and this particular entry does not comply with those standards.
Product: Debt collection

I am a victim of Identity theft. This has been reported to local authorities and the credit Bureaus. Meridian financial have been contacted in writing and I have shown them My Drivers license does n't match the fraudulent copy they have on file. They continue to report fraudulent information on my credit reports hurting my ability to conduct business and causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion numerous times to remove these inquiries. I demand them to be removed immediately. These inquiries are unauthorized and I never consented. I demand deletion immediately. You are in violation of my rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and notice fraudulent activity. Please remove all fraudulent acrivity as it is hurting my ability to obtain credit. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Enclosed below are the accounts that I have marked as inaccurate : XXXX 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 an account without my written instructions.
Product: Mortgage

My mother, XXXX XXXX died on XXXX/XXXX/XXXX. Shortly before her death, she spoke with me as to her home which she purchased for cash in the XXXX. The property is located at XXXX XXXX XXXX XXXX XXXX. XXXX NJ XXXX. She wanted the property to go to me and my siblings. In the last stage of her life, my sister had to move in with her to take care of her. After her death, I assumed my sister would continue to reside in the home, so I did not pursue selling the property. On XXXX/XXXX/XXXX, I was served with a notice of intent to foreclose on my deceased mother 's property, with a notice that I had 30 days to dispute the validity of the claim or debt. The notice claims that there is a mortgage on the property and I am completely unaware of such. My mother is XXXX and spoke very little XXXX, and understood very little. She was also declining in XXXX and was approaching XXXX. Her driving priviledges were taken away, and she needed help to get by day to day I do not believe she knowingly signed any mortgage, and as such, I responded to the law firm on XXXX/XXXX/XXXX certified with return receipt. It was received by the law firm on XXXX/XXXX/XXXX, and I received NO response. I called them and was told they would get back to me. They never have, and I have called them repeatedly, they always say they will get back to me. I do n't know what else to do, and I am asking for help from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested the credit bureau to investigate erroneous items on my report. my credit report is filled with incorrect information that is not mine it is now XX/XX/2023 and i have yet to hear from any of the bureaus. I have also sent a follow up letter which i believe was ignored. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I think it is a collection agency that is calling for a medical bill. When I answer they either just hang up or ask me for the last XXXX digits of my Social Security number which I will not give. They will then ask for my birth date which I will not give either. They will not tell me who they are or what company they are from. They are calling both my home number and cell XXXX times daily. That is XXXX times a day. They start at XXXX. They call from several different numbers. They all begin with XXXX XXXX.
Product: Debt collection

Repeated ROBO calls over almost a year to collect a debt. Unable to speak to anyone about the debt. Wrote a letter twice, returned twice, address in not accurate. I do n't owe anyone any debt. At one time a physical therapy business did n't credit my ( and my husbands ) accounts appropriately and I may have been sent to collections in error. I resolved this issue with the PT business directly and actually had a credit balance. I do n't know how to contact debt collector to ask for written information regarding this " debt ''. I 'm afraid to be bullied or make things worse if I speak to them in person. I 've never had outstanding debts, my credit score is usually around 800. The collector is Transworld Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXP ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$260.00}
Product: Debt collection

XXXX XXXX and their collection company, Convergent Outsourcing continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted XXXX XXXX and Convergent Outsourcing, but this account still has not been removed from my credit report. 

I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.
Product: Credit card or prepaid card

I called Aspire to see about setting up a payment plan to get my credit card back on track. I was offered the " Match Pay '' Program where they match a one time payment at 50 % in an attempt to help you bring your card back to a current status. I set up a one time payment for XXXX and with the 50 % matching it would bring my credit card to a XXXX balance. I was give the specifics of the program and verbally agreed to it. However when we were wrapping up the call the agent mentioned that she say I had mad a payment today in the amount of {$170.00} and it would be reflected on my account tomorrow. I advised her that I didn't make a payment and did not know what she was talking about. She told me not to worry that the account was good. I repeated that I didn't make a payment and she asked if there was anything else she could assist with. I hung up and spoke with someone else who told me the same thing. She went on to say that it was actually a one time payment I set in in XXXX that they processed today. Astounded I asked who authorized this??? She responded don't worry it went through. I know for a fact that I don't have {$710.00} in either of the two accounts I have on file. I stated you do know it is illegal to process a payment without the authorization of the account holder and she replied " yes I know that's against the law but it was from the payment set up in XXXX. I replied so Aspire took it upon itself in XXXX to run a payment that was to be processed in XXXX for XXXX? At this point after confirming they broke the law on a recorded line she began to try and backtrack and said I must have processed the payment on line. I didn't. Frustrated I asked for a supervisor. He was useless. He kept referring me back to my bank. I advised him I already looked at my account and this transaction wasn't showing. He refused to verify what account this transaction was processed on. Request that the call be pulled and you will hear them both admit I di not authorize this request.
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 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

After checking my latest credit report, I discovered accounts I do not recognize and did not authorize. I ask for these fraudulent accounts to be blocked and removed immediately.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$290.00} XXXX XXXX XXXXXXXX {$18000.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), an XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), First XXXX XXXX  XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( XXXX ) 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 card or prepaid card

When making a reservation with Marriott, I was offered a promotion of a {$250.00} statement credit if I applied for a Marriott XXXX  credit card and spent {$2000.00} on that card in the next 3 months. I did this when I made the reservation in XX/XX/2019 for a reservation at XXXX XXXX, NC in XX/XX/2019. I made the required purchases of over {$2000.00} during XXXX and XX/XX/2019. They said it could take up to 8 weeks to see the credit. When I never received the {$250.00} credit on my card, I called and asked why. They told me they instead gave me XXXX loyalty points. I told them that I wanted the credit not the points. They denied me that option.