23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened an account with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX that included a checking account and a personal line of credit ( Cash Reserve Account ). Beginning in XXXX, XXXX I placed my first phone call to XXXX requesting to close my account. I asked if I could pay the balance of my credit line and was told I would have to go to a XXXX branch to complete this or transfer the money into my checking account and then pay the credit line, which was about {$5.00}. The closest branch is more than 250 miles from where I live. I asked if I could mail a check and was told that was not possible by at least three XXXX employees or their contracted customer support staff. Instead, I paid a {$15.00} wire transfer fee to transfer the ~ {$5.00} into my XXXX account which I then used to pay my credit line. In the interim, I was charged {$0.00} ( XXXX cents ) in interest. When I called back to close my account, I was told I could not close it because I now owed XXXX cents in interest. Again I asked if I could pay over the phone or mail a check and was told that was not possible and I would have to visit a bank branch. On or around XX/XX/XXXX I called again and demanded that my account be closed, that no interest be allowed to accrue, and that I be given a final total amount due so i could visit a bank branch and pay the amount in full. I was told the account would be closed and no further charges could be made to or from the account, and that I would receive a final bill at some point in the near future with my total amount due and an address where I could send the payment. On XX/XX/XXXX I received a notice stating that my account, including the line of credit, was official closed. The letter stated " No further advances may be made against the Cash Reserve Account ''. Subsequently, two {$5.00} charges were made against the cash reserve account On XX/XX/XXXX and XX/XX/XXXX, which I eventually received notice. I never received the final bill to close the account. On XX/XX/XXXX I called back to settle the matter and was again told I would have to visit a physical branch. I asked to be transferred to a supervisor and was eventually given a PO Box address to which I was told I could send the payment. This is nearly four months after first asking for an address and being told at least six times that was not possible. I demanded that the {$10.00} in charges be reversed and they refused.
Product: Credit reporting or other personal consumer reports

I did not consent to any of these inquiries as these inquiries were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported Community Reinvestment Fund ( Company ) transaction on my report as late payments which decreased my score. According to consumer law no transactions should be reported. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, and on XXXX XXXX, I have reached out to XXXX and requesting XXXX tradeline be deleted from my consumer file and consumer report. I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.
Product: Checking or savings account

I was invited to open an checking account with us bank, and get {$200.00} bonus if meet the spending requirements. 

After I met the requirements and waited for 5 months, the bonus still does n't shows up. 
Tried multiple calling with customer service, branch representatives without solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies are reporting me as late even when I'm not late so please look at the attached documents to help me clear this thing out of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank offered me a {$1400.00} offer to settle my account & it will be considered " PAID IN FULL ''. This is also a balance I took care of even though the card was opened without my knowing and they Rep said I was still liable & I sent adequate infromation on no way possibly being able to open a cosumer credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have 2 accounts with affirm that were paid off a year ago Ive never received an email saying that a payment were pending and when I checked on the account I had those accounts in collections I paid them off one account was for {$48.00} and the other on was for {$300.00} again this was paid off a year ago.. 
Yesterday, it turned out it was showing I still owed them the same money Also please check on the name on the accounts because the order was made under XXXX XXXX and not XXXX XXXX I need this off my credit report because is really affecting me
Product: Debt collection

I purchased an XXXX XXXX from XXXX in XXXX of 2023. I never activated the phone or service with XXXX. I returned the unopened XXXX to the XXXX store in XXXX XXXX XXXX CA 3 days after I received the XXXX. The store employees told me the return was processed and I received a email confirmation that the return was processed. XXXX then started sending me bills, for what I'm not sure. When I tried to contact XXXX they could not help me as I did not have an account with them and there was no record of an historical account since I never had an active plan. 

Now Amsher Collections is trying to collect a debt I do not owe. I want the collection removed from my credit reports.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX Date opened XX/XX/year> Bal. {$360.00} Inquiries : XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX card. 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

Its hard inquiries on all three bureaus that I dont recognize. Its been 90 days since the last time I tried. I need these off so I can further my credit journey.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries were made for credit cards without my consent, presumably by identity theft : XX/XX/2023, XXXXXXXX XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XXXX and noticed a collection item. Called the collection company listed on my credit report and they stated the account is a joint account. I informed them this is Fraud. They stated they would send me a record and never provided anything. I submitted complaint to XXXX  and they removed. XXXX  and Equifax have not removed the item and Ive Disputed the item several times. Ive asked them to verify if the debt belongs to me and have told them its Fraud. Neither XXXX, Equifax or the Collection company have tried to remedy this and they are violating my rights under FDCPA. I have sent over three letters and disputed online. This item needs to be removed immediately XXXX XXXX XXXX Account -- XXXX Reporting to : Equifax, 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. XX/XX/XXXX i sent {$1000.00} to the wrong person, contacted my bank and they couldn't refund me, XX/XX/XXXX i sent {$1000.00} to someone thinking it was my mom and the same thing happened, they couldn't reimburse me that money. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Dear LVNV Funding LLC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt collection

This debt collector called my 8 times in a row at XXXX tonight while I was in a class. He then proceeded to yell at me and call me a ridiculous person and a liar when I told him I can not take a call I am in a class. He has also called my mother and my father in law to get them to pay my debt and told them what it was for and how much it was for. He will also text me and threaten law suits. He harasses me multiple times a month. This debt is also not mine and is XXXX XXXX XXXX and we are trying to work thru it.
Product: Credit card or prepaid card

Even within a Statement period, if a promotional transfer offer is taken, you are forever prevented from paying off the initial purchases without first paying off the promotional amount. All future overpayment is allocated to the interest free promotion negating the " interest free period '' advertised and forcing the consumer to pay the significantly higher interest for the remainder of the period. This is the only company that I have dealt with that will not allow the allocation of a payment to be placed toward higher balances. 

Initially with the transfer, I had paid the " interest savings balance '' I did err in paying immediately after the transfer. I immediately called to the supervisory team to see if I should reverse both transactions. The payment was reversed and I was advised I would be able to call back and be told what to pay to allow me to pay off new purchases and leave only the balance transfer and promotional purchases through XXXX. Instead, I am locked into paying for all other purchases prior to the transfer and thereafter until the balance transfer is paid. Meanwhile, I paid a 4 % upfront transaction fee for this debacle. I intend on paying off this card and forever moving away from chase CC 's. This entire process seems designed to entrap those with balances into paying interest. The frequency with which offers were sent to our home after we had maintained a balance is disgusting now that I have this insight. This is my first balance transfer on my XXXX card and rest assured, it will be the last.
Product: Checking or savings account

Wrongly denied my fraud claim ( XXXX ) thereby not refunding {$3300.00} denied my appeal as well. I DID NOT MAKE THOSE PURCHASES! NEED MY $ BACK i NOTICED THERE WERE CHARGES I DID NOT MAKE ( AND AT STORES iVE NEVER SHOPPED ) SO I FILED A CLAIM ( XXXX - {$3300.00} ). IT WAS DENIED AND WENT UNPAID/NOT REFUNDED. I APPEALLED AND IT WAS AGAIN UNPAID/NOT REFUNDED. THE CHARGES WERE FROM STORES IVE NEVER SHOPPED OR EVEN BEEN TO. THEY SAY BECUASE OF THE TIMING OF THE PURCHASES AND THE FACT i LOGGED ON A FEW TIMES BEFORE REPORTING THAT THEY DENIED MY CLAIM. AS FAR AS THE LOGGING ON, I DO USE XXXX AND I HAVE MORE MONEY IN MY ACCOUNT THAN IM USED TO AND DIDNT NOTICE AT FIRST. THE FACT IS I DID NOTICE AND i DID NOT MAKE THESE PURCHASES, AND i REPORTED WITHIN THE TIMEFRAME THEY STATED IN THE LEGAL PRINT. WHAT GOOD IS A DEADLINE IF THEY SHORTEN IT ARBITRARILY. I JUST CANT BELIEVE THEY ARE DOING THIS DURING THE HARDSHIP WE ARE GOING THROUGH. I NEED MY MONEY BACK. BANK OF AMERICA, PLEASE STAY TRUE TO YOUR WORD AND REFUND THE FRAUDULANT CHARGES TO MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a PayPal Mastercard on XX/XX/2023. I never applied for this credit card, also I don't have a PayPal account. There was no information of what bank was issuing the card and no financial information including interest rates. There was no return address on the card or envelope only a XXXX XXXX on the envelope.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account does not belong to me. This account was opened fraudulently.
Product: Credit reporting

am filing this complainant because Transunion has ignored my request to provided me 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 can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete information Which can not be verified * that I have disputed please resolve this manner as soon as possible Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by various creditors and credit bureaus. I have reviewed my credit report and found that my correct name is XXXX XXXX but it has been reported as XXXX XXXX XXXX. Additionally, there are multiple addresses listed on my credit report that are not accurate. My current address is XXXX XXXX XXXX XXXX, LA XXXX, but I have found that other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been associated with my credit report. 

These errors have caused me significant emotional distress and have adversely affected my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report, which has caused me to feel frustrated and hopeless. 

I believe that the creditors and credit bureaus have violated several laws, including the FCRA and FACTA. Section 607 of the FCRA requires credit bureaus to report only accurate information and section 610 requires that consumers be notified of any adverse actions taken based on information in their credit report. The fact that my name is being reported inaccurately and that I have been denied credit without being notified of the reasons may be violations of these sections.

Similarly, section 312 of FACTA requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that my name and address information is being reported inaccurately may be a violation of this section. Additionally, section 216 requires creditors and debt collectors to properly dispose of sensitive consumer information. If the credit bureaus or the creditors who provided them with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

I am requesting that the credit bureaus remove the unverified accounts from my credit report and take the necessary steps to ensure that accurate information is reported moving forward. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX