23daVinci/CFPB_Complaints huggingface dataset:
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. Account name : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Update of Personal Information Dear Sir/Madam, I have recently moved and changed my phone number. I am writing to request an update to my personal information on my credit report. Please find below my updated details : XXXX XXXX : ** XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Mono XXXX XXXX, XXXX  XXXX -XXXX  XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached are copies of documents to verify my identity and the changes requested : Government Issued XXXX, Copy of XXXX XXXX, XXXX, XXXX  XXXX, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account was paid in full and reported to XXXX  XXXX that any additional charges were fraudulent due to identity theft with XXXX and XXXX  XXXX XXXX, they refused to close the account and sold debt to 3rd party collection agency XXXX XXXX XXXX, this company refuses to provide the proof I owe the debt and continue to make threatening phone calls at all hours. I am in the process of filing a lawsuit against both XXXX XXXX XXXX and XXXX XXXX if this false debt is not removed. Also I do not go by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the continued presence of inaccurate items on my credit report, despite multiple attempts to have them corrected and removed. These inaccuracies are causing significant harm to my creditworthiness and financial well-being, and it is essential that they be resolved without further delay. 

I have previously submitted multiple dispute letters to your bureau regarding these inaccuracies, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough reevaluation of these discrepancies and take immediate action to correct my credit report by removing the inaccurate items. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reports must be accurate and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, it is your responsibility to inform the creditors associated with these inaccuracies about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these inaccuracies is seriously impacting my financial well-being and ability to access credit. I implore you to prioritize this matter and resolve it promptly to restore the accuracy of my credit history. Please assist me to remove these fraudulent items in my credit report : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX charge off XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting 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. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX XXXX XXXX XXXX XXXX {$4700.00},, XXXXXXXX XXXX XXXX XXXXXXXX {$7300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00},, XXXX XXXX XXXX XXXX XXXX {$3300.00}, XXXXXXXX XXXX XXXX XXXXXXXX {$110000.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1000.00} 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: Credit card or prepaid card

on XXXX/XXXX/XXXX  I purchased 3 seats to XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX ORDER # XXXX I was told to verify my email address i did so and the tickets would be emailed to me THESE TICKETS WERE NEVER EMAILED to me at i sat in the parking lot with no tickets I disputed this charge and was lied to several times from VIVID SEAT and SYNCHRONY BANK telling me the had proof these tickets were in fact sent to me and never were I have asked to have this case opened three times and still no proof this is a complete scam i will not pay this charge of {$800.00} as I never received any tickets Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX, i filed a dispute with Experian and XXXX   credit bureaus about the unverified account : XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about item on my credit report with XXXX They came back after short time and said company certified debt. Problem is they don't show what was used to certify it. The company who has me in collections has no signed agreement from me or creditor say I owed nothing but piece paper with name and amount. Hasn't shown XXXX  any proof of debt and XXXX fails to remove item after multiple disputes. The company in question is meridian financial.
Product: Consumer Loan

This Company is reporting TO XXXX as Derogatory and is actually paid.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle Handling My Accounts Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite Using Zelle Multiple 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 XXXX findings indicate that Zelle has not only neglected to protect consumers but 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 card

On XX/XX/XXXX, I paid my XXXX XXXX XXXX card in full and cancelled the card. On XX/XX/XXXX, I recieved a XXXX bill from the card which was XXXX in unpaid fees and XXXX in interest. When I called to complain about receiving interest and fees after paying the card in full. The person said it was in the contract. I thought they should have added no fees or after I cancelled the card and paid it in full.
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting

Invoice # XXXX from XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am shocked to see my Credit report being infested by a large amount of erroneous and fraudulent items that were indiscriminately reported by the Credit Bureaus. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission and I need you to remove the these items as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXXXXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a Chase XXXX XXXX 's rewards charge card. Is it legal for a charge card company to accru interest on charges made starting the day the charges are made on the account w/o even giving the consumer the opportunity to pay the balance in full by the due date? See below. I had a revolving balance of XXXX carried over to the next month billing cycle, and Chase, XXXX charge card not only charged me interest on that amount, but also on any charge made on the account before ever getting the opportunity to pay for those by the due date. It was {$50.00} on a balance of {$150.00} carried over from previous month. That seems very un-fair given that I never had the opportunity to pay on any of the new charges prior to the due date. Is that even legal? 



, '' upon review, I see that the statement balance on your XX/XX/2018 billing statement was {$420.00} and the payment was due on XX/XX/2018. We received a payment of {$200.00} on XX/XX/2018 and a credit from XXXX for {$69.00} on XX/XX/2018. Since the full payment of {$420.00} was not received by the due date of XX/XX/2018 and interest charge on {$50.00} was charged on XX/XX/2018 which is the closing date for your statement. 

To calculate your balance subject to the interest rate, we start with any balance carried over from the previous day and add new charges or fees then subtract new payments or credits. This gives us the daily balance for one day.

Next, we add together the daily balances for all days in the billing period and divide this total by the number of days in the period. This gives the balance subject to the interest rate for the billing period. 

We appreciate your business and thank you for being a Chase customer. 

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

Hi1, I contacted the company and XXXX and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye equifax rep was very rude and said to contact FTC and that they was not going to remove the hard inquires
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account # MidLand open XX/XX/ for {$240.00}. Account # XXXX XXXX XXXX XXXX. Open 8 months. XXXX. Account # XXXX XXXX XXXX XXXX open for {$720.00}. Has violated my rights. I looked at my XXXX Credit report on XX/XX/XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer 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 according to 15 USC 1681 ( e ) ( b ). And according to 15USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s - 2 they are suppose to not furnisher 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. Thank you