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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Monitoring notified me of XXXX XXXX XXXX incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XXXX/XXXX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX  and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX  and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf. Upon reviewing my credit record, I found instances of late payments. Despite sending letters regarding this issue over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I bought concert tickets and was scammed for XXXX dollars. The person I was buying from never sent me the tickets. I transferred him the money through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am. Victim of identity theft please see attached FTC report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked as soon as possible.
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 tracking a payment as the reciever was impossible 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.. XXXX  XXXX from sender and have XXXX XXXX from reciever, have been going back and forth with our banks but since Im the receiver I cant do anything and her bank has asked for proof witch was sent and doesnt let her do a refund because she authorized the payment and neither have been successful at giving us an answer she has not recieved a refund I have not recieved the payment. She has confirmation number payment went trough.
Product: Credit card or prepaid card

Several months ago I tried to close my Citibank Costco Anywhere Visa card. I have not used this card in years, received a statement for my " automatic '' Costco membership renewal, and called to cancel both the credit card and my Costco membership. After at least a dozen phone calls, I was finally able to cancel the Costco membership and thought I had gotten the credit card zeroed out and closed, but no ... I keep getting statements for {$2.00}, now {$3.00} and they just will not get this right. Please tell them to zero out this account and to stop sending me statements. They do not and will not listen to me. 

Also, please stop allowing companies to force customers into automatic renewal situations. Not only is it a time-consuming nuisance for those persons who are fully sentient and do not wish to continue, but an impossible situation for those persons who are no longer fully sentient. And an automatic renewal is not always an immediately-detectable situation to caregivers and guardians. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following letters were sent requesting the process of verification and accuracy of alleged late payments on the following accounts listed on attachments. 

As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged missed payment information contained in my consumer file as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX Revocable Trust XXXX XXXX, OFFICER for CHASE BANK, JPMORGAN CHASE BANK, NA at XXXX XXXX XXXX XXXXXXXX, WA XXXX On or about XX/XX/XXXX the Grantor and Trustee appeared by scheduled appointment at the location stated above. We intended to open a trust account, personal and/or business account ( s ). XXXX XXXX, Officer for CHASE BANK, JPMORGAN CHASE BANK, NA was provided with Passports as identification, a secondary ID, a tax ID number and Certificate of trust. XXXX XXXX made copies of the instruments we provided. XXXX XXXX, stated that it would take 3 to 5 days to get approval form what he called their back office ( legal review team ). No response was received. On XX/XX/XXXX, Grantor made another appointment online. XX/XX/XXXX, the Grantor and Trustee appeared at the location stated above where XXXX XXXX providing no documentation, policy or law supporting his script and non performance, stated on behalf of the Chase Bank that it would not open a trust account because it was a foreign governing body and that they would only open an account associated with a social security number. The Grantor stated he was unhappy about the situation. Upon hearing this XXXX XXXX stated he was entered that In the computer and Chase Bank will now refuse to do any business with you. The Grantor asked XXXX XXXX to provide me with direct contact with your back office and a supervisor of the department which he denied. I asked XXXX XXXX when did he receive the information. He replied Friday, XX/XX/XXXX. I asked why did he not contact me on the day he received the information. He replied, he didnt have time. XXXX XXXX stated that I the grantor has to get authorization from the state to open a trust account. 
Constructive Notice of Sec.1 Public Law 93-579, Privacy Act served XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi my name is XXXX XXXX I had been having issues with chase bank since last year the SBA tried to deposit {$9800.00} from my approved loan the they granted me. So My loan officer told me to go to my bank and get a certified information on my account so the money could be deposited. Thats went I got to chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, and I ask for this information and thats when my ex girlfriend appears she works for chase and when I told her about what I needed. She started saying the chase was not going to proved the transition because of a lots of people doing fraud. I told her the everything was in order the it was under my name and all the information was legitimate and she just kept going and saying that it was fraud. So then after that the money was turned twice by chase and then chase close my business account and my personal account for no reason. So when back and filled a complaint because I know the my ex girlfriend had something to do with this because a few years earlier and I meet her she work for XXXXXXXX XXXX and she took money out my account with out my permission or my knowledge so she got fired and go to jail, so I know she is getting back at me for that and need your help for this to be fixed so I can get my funds from SBA which are still there waiting for me please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, there is still a remaining inquiry that is reporting on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/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 violated CFPA.

Specifically Cash App failed to make timely and affective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

This negligence and lack of service cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

They have cashed all payments and apply to other accounts where I 'm not the co-signer
Product: Debt collection

I do not own this debt. I have disputed with the company and there is nothing stating I own this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter as my third attempt to dispute and rectify the inaccurate negative items listed on my credit report with XXXX and XXXX. Despite my previous disputes, these errors remain unresolved, and it is unacceptable that you have failed to act accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Freedom Mortgage has repeatedly failed to fulfill their responsibilities in managing my escrow account and paying my flood insurance policy. For XXXX consecutive years ( XXXX, XXXX, and XXXX ), they neglected to pay my flood insurance with XXXX XXXX, leading to near-cancellations of my coverage in XXXX and XXXX. Despite my proactive attempts in XXXX, including multiple phone calls and a three-way conversation with XXXX XXXX and Freedom Mortgage XXXX XXXX XX/XX/XXXX and early in XXXX, Freedom Mortgage still failed to make the payment by the policys XX/XX/XXXX deadline. 

During a XXXX three-way call with XXXX XXXX , I provided Freedom Mortgage with all necessary policy information and received assurance that they would process the payment immediately. I was informed that my involvement was no longer needed. However, on XX/XX/XXXX, I received a cancellation notice from XXXX XXXX, stating the payment had not been made. Upon follow-up, XXXX XXXX XXXX XXXX they attempted to contact Freedom Mortgage multiple times, yet received no response or payment until after my policy had lapsed. 

Freedom Mortgage finally sent the paymentthe check was disbursed from my account XX/XX/XXXX but was not received by XXXX XXXX  until the XXXX of XXXX. XXXX month and XXXX day after the policy due date, leading XXXX XXXX to reject the reinstatement. Freedom Mortgages response was both dismissive and unhelpful. They placed the responsibility on me, stating it was my duty to ensure they fulfilled their obligation to pay the escrowed insurance, despite my extensive efforts to facilitate the payment. 

This failure has left my home uninsured during a period with multiple named storms in the XXXX XXXX, prevented me from securing replacement insurance at a reasonable cost, and forced lender provided insurance on my account in the amount of {$1000.00}. I just received my new quote from XXXX XXXX, and this has increased my flood insurance costs dramaticallyfrom {$620.00} to {$3800.00} annually. In addition, I now face an escrow shortage exceeding {$3000.00} due to Freedom Mortgages negligence, and an unsellable home that I cant afford, let alone a potential buyer who can in the future. 

Freedom Mortgage has a history of mismanaging my escrow account. In XXXX, I had to cover an almost {$3000.00} escrow shortage, impacting my ability to provide holiday gifts for my children. This pattern of errors, disregard for accountability, and additional financial stress has made managing my mortgage with Freedom Mortgage excruciatingly difficult and has impacted my familys financial and emotional well-being. XXXX XXXX, my children dont know it yet, but XXXX cant make their XXXX lists come true this year. Thank you Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report. 
XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2400.00} {$0.00} {$2400.00} Credit Limit : {$2200.00} {$2200.00} {$0.00} Past Due : {$2400.00} {$2400.00} {$2400.00} Payment Status : Collection/Charge off Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital One credit card. 
I reported non shipment for the order I placed on XX/XX/2020. 
Initially the CC issued the credit, but then revoked it without explanation. 
The order was never shipped, the seller does not reply to my messages. The bank is in violation of the federal law that allows me not to pay for the order not received.
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Credit card company has been applying my payments to 0 % APR balance instead of 27 % APR balance. It is my understanding they can not do this. I have called them twice now and spoken with 3 different people. 
Per CARDS ACT credit cards should allocate payments above minimum to higher interest balance first. 

Please see 3 months of statements. On XXXX statement, there is a total balance in the account of {$18000.00}. This is split into {$12000.00} at 0 % APR and {$5300.00} at 27 % APR. 
I made a payment of {$2800.00} that should have been applied to higher APR balance. 
Instead, on XXXX statement I see my 0 % balance decreased to {$9200.00} and I was charged interest of {$220.00} You can see this numbers on the last page of my statement where the balances are separated per APR.