23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I paid {$5.00} [ XXXX card ] to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went into T-U website via XXXX for my FREE annual report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE rerport. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentioinally SCHEMED by T-U. I demand my FREE report accessible on-line ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I AM A VICTIM OF IDENTITY THEFT, THERE IS MANY THINGS WORNG ON MY CREDIT REPORT. DO NOT USE MY COPY OF ID AND SS CARD AGINST ME, I AM ADDING IT TO MY CLAIM FOR PROOF IDENTITY PER YOUR MAIL REQUEST. 

To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PLEASE REMOVE THESE NAME FROM MY CREDIT REPORT. PLEASE REMOVE THESE DIFFERENT VARIATIONS OF MY SOCIAL SECURITY NUMBER, IVE ATTACHED A CPY OD SS CARD FOR VERIFICATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

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

Dear Director Of Operations, It has been difficult to have Experian properly show accounts fully Paid-Off. They continue to provide information that isn't updated correctly each month.

1-. ) XXXX XXXX XXXX paid in full.

2-. ) *all credit card balances have been Paid In Full each month throughout 2022!

3-. ) **balance remaining on credit report for {$650.00} that has been paid!!

Please correct my report as soon as possible and cancel report svc.

The service doesn't reflect the true payment record for my circumstances. 
Respectfully yours, XXXX
Product: Mortgage

My insurance company purchased an Windstorm insurance that no one told me I needed and I didn't purchased when I closed or before closing the house more than 18 month ago. 
I closed my house in XX/XX/XXXX and I was informed that I needed flood insurance and premium home insurance ( both I purchased before my closing day ) and I was very aware that I needed to keep both policy active but no one told or made me purchased an additional insurance for windstorms that cost more than {$4000.00} dollars extra that I can't afford. 
I was blindside by my insurance company with a policy backdated XX/XX/XXXX that cost {$4300.00} that I didn't even know I had or had to pay until XX/XX/XXXX. 
If I have known that I needed to pay over {$7000.00} in home insurance only annually I will have never closed with Crosscounty Mortage. I have asked around and no one I now in nj is been forced to get a Windstorm insurance by their lender must important part is that it wasn't a necessary when I closed this mortgage and no one told me about this {$4300.00} extra expense will be added almost 2 years later and why I'm I getting this notice more than 7 month later that the effective date. 

I can't afford and extra surprise insurance on top of my flood that is very expensive and my premium insurance, it feels like I encounter and issue with this mortgage company every other day.
Product: Money transfer, virtual currency, or money service

I'm 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 reported 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 also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams and identity theft. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/2021 I received a phone call from a third party locator stating that there was legal action that was going to taken on me. They stated they were looking for me and it was for an old pay day loan of {$290.00} that I didnt pay. They have made phone calls to multiple family members with this information. I called back the number that was given XXXX with the case number XXXX. When I called the representative at this company basically told me that the case was being filed and I needed to pay it today or else I would have to go to court. I have never received any type of legal documentation or have I received a letter from this debt collector. I tried to call back today XX/XX/2021 after contacting ACE CASH EXPRESS in which their representative told me that they have sold my debt but that this collection agency should never threaten me and they dont take legal action against people that dont pay their debt. They gave me a number to call so I can report this collection agency which I did. Anyways so I called the XXXX number and tried to resolve this issue I did mention to her that I connected with ACE and they told me they would never sue me and I asked her why this company would use these tactics on people and scare them into giving them possibly all the money they have for this debt. She didnt say anything and continues to tell me there is nothing she can do for me that my case is now being filed and I can not resolve it.
Product: Bank account or service

My fiance and I both have our own personal checking accounts with US Bank. They have extremely malicious overdraft fee policies, and terrible communication regarding this ( close to none ). If I overdraft I get charged instantly {$36.00}, but I would not receive notice for about 7 days ( letter in the mail ). Their policy also adds a {$25.00} additional fee if your account balance is not {$0.00} or greater after 7 days. Well, if I do n't receive notice of the fee for 7-days and only by mail, one of the least efficient ways to get information to someone, how am I supposed to know to pay it? So technically I get charged {$61.00} for any size overdraft. 

In today 's world nearly every business ( if not literally every business ) communicates instantly with their customers and already have this capability in place. US Bank has this capability in place. They have paperless statements, they have opt-in email capabilities, they have opt-in text messaging alerts/email alerts, YET they deliver notice of an overdraft by physical mail that does not reach my mailbox until 7-days after I overdraft. Mind you, this letter that is being mailed comes from XXXX miles down the road and it takes 7-days? What I mean by this, is that the letter is definitely pre-dated for the overdraft date in question, and is mailed out as though they sent it the day the overdraft fee occurred, FALSE. It does not take 7-days to receive a letter from XXXX miles away using USPS, I receive letters, cards, and physical packages from this very location all the time, using standard shipping options. 

I understand that a fee is just that a fee and that they can charge what they want for my irresponsibility, but what is that fee set at and why? Let 's say they would have made 10 % through loans, interest, investments, whatever it is that banks are thought to be doing to make money, lets say they could have made 10 %. I would have to overdraft {$610.00} at once for this policy to actually start being fair. I would say a lot of consumer accounts rarely exceed {$610.00} in total balance. 

My point is : Their practices are intentionally set up to make money from consumers through fees, NOT through issuing loans, etc. They realize they make more money if they purposely lack communication. They forgo using systems already in place that many other banks issuing credit cards currently use, INCLUDING THEM. Most would say, " Switch banks then. '' Alright I will, but US Bank is an extremely prevalent bank with a branch in nearly every US city, they have something that very few banks have. This gives consumers at least a reason to always look to US Bank as an option, especially small town adolescents turning into adults. US Bank will always exist along with their preying fee policies, and neglect to communicate with their customers, simply because of their stranglehold on a certain segment of the market. It is simply not right.
Product: Checking or savings account

I have a checking account with TD Bank. At some time prior to XX/XX/2022, someone attempted to open another checking account and a savings account under my name with TD. I received a letter in the mail saying " thank you for opening a new checking account. ) When I logged into my account online, I noticed that in addition to my existing account, that the two additional accounts appeared. 

I contacted TD. They connected me to their fraud department, who indicated that someone had stolen my identity. They directed me to contact a credit bureau as well as the FTC to report stolen identity. TD has since removed the two fraudulent accounts from their web portal.
Product: Credit card or prepaid card

I reported card lost slash stolen sa month or to ago. Fir charges. Made on a store card of XXXX at XXXX store I have no knowledge of nor have I ever been to nor do I have that kind of money to m I completed firm in and it was returned on time to Target fraud division and told my case was good. However they have overturned there decididion and are claiming I am liable because a pin was used at register etc. Again I asked them if they needed my I'd and we're interested in pulling video at the consumer location to prove I dud not make purchases they mentinod they will look into it. I was harrased by the fraud investigator asking me if that was my real name real phone number real age.
Product: Debt collection

I looked at my Transunion credit report on XX/XX/year> 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 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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, or modify that item of information, as appropriate, 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 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.

15 u.s.c 1681e 15 u.s.c 1681g
Product: Credit reporting or other personal consumer reports

There has been multiple problems with credit monitoring bureaus correcting errors from multiple companies that incorrectly reported my accounts for collections. I have disputed the collections information with the collections agencies XXXX XXXX XXXX who states on my credit report they are the original creditor for a XXXX XXXX XXXX XXXX error balance {$800.00} after the creditor refused to close my account in XXXX and XXXX XXXX XXXX again stating on my credit report they are the original creditor, error balance of {$480.00} from a closed XXXX account near XXXX. XXXX XXXX error balance {$450.00} suspected from XXXX XXXXXXXX and there has been collections errors from XXXX XXXX and incorrect information reported from creditors XXXX  and XXXX XXXX  XXXX credit bureaus companies XXXX and Equifax have made a mistake reporting incomplete collections information, the mistake is expected reported at XXXX. The accounts and collections accounts have been disputed and removed before on multiple occasions, the creditors were allowed again to report incorrect information about balances, account status, and others damaging remarks to my credit report.
Product: Student loan

I took out a loan from Wells Fargo to pay for my XXXX  XXXX XXXX in XXXX. I made the first payment in XX/XX/XXXX as scheduled. The loan is for {$36000.00} private at a rate of 8 % and a Federal loan of {$5000.00}. I paid Wells Fargo on time each month for ten years and then the loan was transferred to XXXX in XX/XX/XXXX. The paperwork I have says the starting balance was {$37000.00}. In XX/XX/XXXX the loan was sold to XXXX and the balance was {$28000.00}. I called XXXX this last month and they sent me all the payment information from the date that XXXX took over the loan. I called Wells Fargo for payment information from the inception of the loan and they deny that I ever had a loan with them as did XXXX when I called them even after I explained that I was looking at a total accounting of the payments I had sent them. Using an amortization table I found on line I estimate that this loan should have been paid off over three years ago with what I have been paying each month. XXXX says I still owe {$19000.00}. I strongly suspect that when Wells Fargo rolled the loan over to XXXX ( which I believe is owned by Wells Fargo ) they started the loan over again - but when I questioned them about the loan they deny I had one with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are incorrect/invalid with Equifax : XXXX XXXX XXXX XXXX  XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Please remove, please send an updated report once this is done as required by FCRA regulations.
Product: Prepaid card

On XX/XX/XXXX I contacted XXXX for a faulty card I purchased. The card will not work to make any purchases even though there was {$500.00} loaded to the card. The representative I spoke with told me a refund check would be mailed to me. I haven't received anything.
Product: Credit reporting or other personal consumer reports

Report Number : XXXX Dear XXXX, I am writing to formally dispute inaccurate information on my credit report and to remind XXXX of its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 1.15 USC 1681i ( a ) ( 1 ) : This section requires you to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving my dispute. I am formally disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify and investigate these accounts and provide documentation showing their accuracy or remove them immediately from my credit report. 
2.15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This section requires XXXX to notify me of the results of your reinvestigation within five business days after its completion. Please ensure that your response includes all relevant details of your investigation, as well as the updated status of the disputed items. 
3.15 USC 1681i ( a ) ( 5 ) ( B ) : This section prohibits you from re-inserting previously disputed information into my credit report unless you provide written notification to me within five business days prior to the reinsertion. Furthermore, this notification must include certification that the information has been verified as accurate. 

Additionally, I request that XXXX only contact me via certified mail at the address listed above regarding this dispute. Any failure to comply with this request or the provisions listed above will be considered a violation of the Fair Credit Reporting Act. 

I expect full compliance with these provisions and your timely response to this dispute. Please provide all documentation supporting the continued reporting of the disputed items or delete them permanently from my credit file. 

If XXXX fails to comply with the aforementioned laws, I reserve the right to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX XXXX Consumer last XXXX Social Security XXXX XXXXConsumer Date of Birth XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a student loan account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX account closed XX/XX/XXXX, with a balance of {$11000.00} under account # XXXX, a student loan account opened at XXXX XXXX XXXX / XXXX on XXXX XXXX, XXXX thats now opened with a balance of {$11000.00} under account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy 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

Have disputed my consumer statement with Equifax numerous times to have it completely deleted, but to no avail. All I want is for Equifax to clean-up my credit report and completely delete my consumer statement asap.
Product: Debt collection

I hit a brick wall in my attempt to establish a contractual duty of my person to ERC COLLECTIONS. Moreover, with the intention to case harm, the entity is knowingly damaging my public reputation by reporting inaccurate and or falsified information.