23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I an a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN XXXX BUSINESS DAYS after the date of receipt by such agency of. 

Please remove the listed accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

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

I currently have three mortgages that are being serviced by Loancare. I have repeatedly asked them to rerun my escrow accounts after they paid my taxes because my taxes were lowered. My escrow accts have too much money in them and two off My payments should have been lowered. One payment was lowered, one was increased the last one wasnt completed. It wasnt notified of any of the changes.
Product: Credit reporting

I tried to get all XXXX free annual credit reports online but was informed that the request could not be processed online. So, on XXXX/XXXX/15, I mailed my request using the completed paper form along with copies of the requested documentation to the XXXX Request Service in XXXX. I requested a report from all XXXX companies. I quickly received my free report in the mail from XXXX. But I never received my free reports nor any other communications from Experian and XXXX. I want those latter XXXX companies to send my free reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was fraudulently used to apply for several credit cards on XX/XX/XXXX, none of which have been opened as of XX/XX/XXXX. When I noticed this on XX/XX/XXXX, I reached out to each of the credit card providers to get the application rejected and the inquiry removed from the bureaus. Every provided except for Genesis Financial Solutions was able to handle this request with no difficulty. Genesis has been unable to locate the application, and I have been passed back and forth between different departments, none of which was able to address the issue. Additionally, I was provided incorrect information several times about how to dispute fraudulent applications. I believe the issue is that they are only able to query applications based on a combination of DOB, last 4 of SSN, and first/last name. My guess is that the fraudster did not have all of those pieces of information. If they could query their application server based on SSN alone, they would be able to find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2022, I received a text message from Citibank. I tapped on it and called, I verified who I was and thought it was Citibank and it was not. I realized something was wrong because I began to receive messages from XXXX, saying money was removed from my account. I went to the branch of Citibank closest to me. As I entered the bank someone called me from Citibank asking if I gave permission for a wire transfer from my account. I said no and explained my situation to the costumer service representative. She then closed my account and notified the wire fraud department. The following morning I went to the police department, made a claim, went back to Citibank making a claim description, making out an affidavit of unauthorized online wire fraud. All documents were notarized. A copy was given to XXXX XXXX of the XXXX XXXX in XXXX XXXX, XXXX and the other to the bank. I am a senior, XXXX XXXX XXXX XXXX XXXX, I have been a costumer at Citibank for over forty years. I have never made a wire transfer in my life, nor did I give permission to anyone to remove money from my account. XXXX XXXX dollars was fraudulently taken from my account. I believe Citibank was delinquent in allowing 12 separate transfers from my account to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally writing this letter of complaint to you in regards to Experian Credit Bureau. Experian violated FCRA rules and consistently failed to delete unverifiable inaccurate, adverse, and erroneous accounts that has been posted on my credit report. Beginning XX/XX/2018, I have sent over three ( 3 ) certified requests for Experian to send me verifiable information which to include a contract verifying that they have the proof that the account is indeed mines with verifiable signed contract. The accounts that I have asked for proof are as follows : XXXX XXXX Acct XXXX reported amount XXXX, XXXX XXXX reported amount XXXX and XXXX XXXX Acct # XXXX amount XXXX. Under the laws of the FDCPA, I have contacted the companies myself and have been unable to get them to verify that the debt is indeed mines. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), Experian is required by law to verify through physical verification of the original signed consumer contract and any and all accounts they post on a consumer credit report. I have requested documentation via Certified for since the beginning of XX/XX/2018. I have yet to receive a any documentation from Experian. Due to the negligence of Experian failing to honor my request, it has caused me emotional distress and extensive grief because I am not able to obtain the credit. Also, I advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. In the failure to show proof of an original contract bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security Number. I am a litigious consumer who tends to litigate if this request if not honored. I have proof of certified documentation with postage that will be used in my litigious request I have solely address this complaint to CFPB concerning Experian. Thank you for time and look forward to this negative impact to be resolved.
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 ) and Regulation E. These actico s have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Good day, I can't express how frustrating and exhausting this situation has been. Out of nowhere, I discovered a debt I know nothing about unverified and absolutely not mine. The constant harassment from various platforms and the looming threats of legal action are unbearable. As a law-abiding citizen, having my consumer rights disregarded like this is deeply insulting. The stress and XXXX have severely impacted my mental well-being, leaving me with countless sleepless nights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries have been reported on my credit report. And I need them all to be removed because they are not true nor 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts reporting on my credit profile
Product: Debt collection

Allegation of medical debt put on credit report once I contacted the actual company about finishing the procedure. No notice was ever provided before placing on my credit report. 

Once I reported them here ( XXXX XXXX ) they sent a list of chargea that was supposed to be from XXXX XXXX  ... but never provided anything about notifying me about payment or missed payments. 

They responded that they would remove the item. However Experian refuses to remove it, depite evidence I submitted. They claim XXXX XXXX  assures them it is valid.
Product: Credit reporting or other personal consumer reports

I entered into a settlement agreement for the balance due on my XXXX XXXX XXXX XXXX XXXX XXXX  ). The agreement states that once the final payment is made, they will update the account to current and as settled for less than full. They have been reporting it late, and even reported it late for this month despite me making the final settlement payment. I called and asked when they would be updating it, and they said 30 days. I told her that the system is expecting me to make a payment by XX/XX/XXXX, and thats less than 30 days. The representative said that is because the system doesnt recognize the settlement agreement and I may have another late payment reported for XXXX, even though im not late. I made all of the settlement payments that were agreed on. Now they may damage my credit further, so they can have time to update their system? Thats not fair at all. When someone meets the requirements of a settlement agreement they should be promptly updating the account to the credit bureaus. Not only that, but when I disputed it, they intentionally reported it as late, in response to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month
Product: Credit card

I am sick and tired of this absurd situation. This XXXX be the worst company ever to do business with and they are completely incompetent. Attached is the latest message I sent to them on XX/XX/23 to all the email addresses I have been told to send correspondence. XXXX XXXX XXXX XXXX XXXX XXXX Thank you again for providing another worthless, XXXX response. The level of incompetence at your companies is alarming and brings an entire new meaning to the word shyster. It is now clear this is all by design in an attempt to either pass liability to another company or as a intentional game to make it so a customer gets nowhere with the process and hopefully acquiesce to the stupidity. As you can clearly see, I already did what you stated ( contact the fraud department ) multiple times at this point, both on the phone and through email ( which is clear since the email address is in the list of addresses to which the previous emails were sent ). I also called the number and spoke to multiple people there over the past few months and am just repeatedly told to contact Avant because the fraud department ( some strange outsourced company ) do not make the decision and there is nothing they can do because Avant made the decision. As previously stated, once I communicate with Avant again all I am told is to recontact the fraud department. The XXXX department is a third party company and every time I contact them and get nowhere and request to file a complaint and ask what company they are, the representative hangs up on me without filing a complaint, transferring me to a XXXX, or telling me what company they are. 

XXXX 's policy is XXXX XXXX XXXX for unauthorized charges, which applies here. You are in violation of XXXX 's policy as well. 

Once again, I am writing to notify you that you are in violation of the law ( which for whatever reasons seemingly mean nothing to you and will definitely come back to haunt you ) and I will be seeking damages if you do not immediately resolve this by removing the charges and fees and also rectifying all the erroneous information submitted to the credit bureaus. You already significantly violated the law and it caused harm to my financial records and adverse action against me. 

As previously stated in emails on XX/XX/23, XX/XX/23, XX/XX/23, and multiple other instances over the past few months, this needs to be resolved as I still have not received a refund for the fraud and you are still trying to collect from me while reporting my account as late and over limit to the credit bureaus, all of which is in violation of the law of the XXXX Credit Billing Act. Once again, please find attached the complaint submitted to the CFPB, ( which I will be resubmitting should you not immediately resolve this ). Thank you for your help immediately rectifying this as I am not liable for fraud. XXXX has XXXX XXXX XXXX. Please immediately remove all the charges/fees/etc. on my account and rectify the information reported to the credit bureaus. Thank you for your help rectifying this immediately.
Product: Checking or savings account

I was under the impression that a deposit would be clearing into my account on XX/XX/XXXX, however it didn't until the XXXX due to the XX/XX/XXXX Holiday. During that time, there were a series of small transfers from my account to a mobile app which essentially ended up amounting to 13 overdraft fees for {$35.00}. When I called to notify them of the clerical error & to ask why my account was avalanched with 13 fees or even allowed to continue to process payments & to seek relief of the charges, they notified me that since It wasn't a banking error that they were very limited to the assistance they could offer me.

I just think this is extremely unfair, especially seeing as how my account would have been well in the positive had the initial deposit cleared in time & the excessive fees of {$450.00} had not taken place. I am a small business owner that has been what I thought was a business partner to Bank of America for over 3 years now, even opening two merchant services accounts through them for my Bar in XXXX & also establishing a line of credit with them as well & for them to treat me like this is utterly unfair & deceptive from someone I've been in business with. This is even after I expressed to them that I'm still in the process of recovering from the recent floods that hit the area.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX and TransUnion numerous times to resolve this complaint and account with inaccuracies. Both reporting agencies have responded with saying the information I was disputing ( never late ) has been verified by the creditor. However, the creditor told me that they actually never responded to the disputes that were filed but the reporting agencies said they had. I took the following steps according to the law and asked for the method of verification from the reporting agencies and they told me they did not have to give me that information. I stated the law and what it says about a consumer requesting that information and they had 15 days to send it to me. They told me I was wrong, and that the creditors were responsible for sending that documentation. I was transferred to a supervisor with both agencies ( XXXX and TransUnion ) and they would not confirm nor deny my rights but they both said they did not have to have verified proof, or any physical information from the creditors to display it. All they needed was an electronic message. I again read the law stating they had 15 days to respond to me after I requested verified proof and again I didnt get anywhere. Both agencies told me the exact same thing, they did not have to have anything from the creditors to report the information. However, they are required to have this information in their hand, and send it to me in writing with the business name, phone number, and names of the people they talked with for the investigation. They both stated they did not have any of this information and stated it multiple times. I sent certified mail asking for the verification in XXXX and have yet to receive anything from them on how it was investigated. They are damaging my ability to gain credit and get the best rates possible on our home loan. The account in question is XXXX XXXX, a credit card with an XXXX credit line and closed in XXXX 2016. I have attached the certified mail and receipt for the request of verification. Its been almost 3 months.