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

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX 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 remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in ( creditcard ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

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

XXXX I requested in writing about the fraudulent inquiries that are appearing on my XXXX   report as several duplicates and I requested for them to be removed and or verified. Equifax and XXXX  have accounts that I have to them they are related to my Social number I demand they are removed it been over the allotment time and Equifax has 145 inquiries that was put on my report from who knows were please help me get this information corrected.
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding Zelles handling of disputes, specifically in 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 navigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs 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 consumers safety.
Product: Checking or savings account

I am filing a compliant in regards to Capital Ones failure to allow me to deposit money or transfer money from my accounts since Wednesday, XX/XX/XXXX. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to make sure my rights are upheld. Thank you.
Product: Credit card or prepaid card

As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee to of this account to close and settle this account.
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. 
XXXX XXXX XXXX  XXXX ( XXXX ), 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.
Product: Debt collection

I had a fraudulent charge from XXXX XXXX ( debt collector was XXXX XXXX ) for services that I did not approve, consent, nor request in XXXX. I was not made aware that I could dispute the debt. In XXXX I used the XXXX XXXX app on my phone and discovered I could dispute the charge through XXXX. I successfully disputed the charge and it was removed in XXXX for roughly 6 months. Around 2 weeks ago from today ( XXXX ) the debt was reinstated onto my credit through XXXX without any form of notification, which has now costed me a home loan that I was applying for to purchase a home. This debt reappeared on my credit with a date of XXXX ( which is incorrect as verified to me from XXXX XXXX and XXXX  both ) with the debt collector still being XXXX. I attempted to contact both XXXX and XXXX  to remove the charges ( unsucessfully ). I also tried to redispute the charge through XXXX, and my dispute is not even showing up a week later from submitting ( so I'm assuming it has been denied ). This activity, as I have researched and discovered, is illegal. I was not given the required 5 day written notification, nor was I given the opportunity to contest it. The unscrupulous debtor put in the wrong date. And, most importantly, this is a fraudulent charge that I never signed a contract for to receive any services from XXXX XXXX ( and did not receive ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

Equifax shows XXXX/XXXX as an open collection, in partial pay agreement, as of XXXX/XXXX/XXXX. The dispute was initiated XXXX/XXXX/XXXX. Account was paid. Equifax reports there was no response for the investigation. They are still reporting it as open as open and unpaid. I wrote a letter, with a copy of the receipt. there still has be no change. I called to complain. They opened up another complaint, and closed it 3 hours later. The emailed the result : no change. Collections accounts can cause me to be terminated. I am a XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX {$180.00} Fraudulent Charge Posted XXXX I Filed Dispute with XXXX - XXXX XXXX XXXX Denied My Claim XXXX I Filed Dispute with Discover - XXXX Discover Denied My Claim
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sent a letter to the mortgage company ( PNC Mortgage ) dated on XX/XX/XXXX, sent via United States Priority Mail asking the mortgage company to correct the problem. We received a letter dated on XX/XX/XXXX, stating that we were still obligated to the loan. 
My wife and I were not borrowers in the loan modification that was filed in XXXX, but my son was the only borrower on the loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX.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, credit repair services, or other personal consumer reports

transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave experian written consent to furnish any inquries on my credit report they are in violation of the FCRA.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.
Product: Credit reporting or other personal consumer reports

Lie number 6 experian closes 3 while working on another 3 issues problem is there all the same which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting or other personal consumer reports

I believe these accounts are outdated and should no longer appear, as they exceed the seven-year reporting limit established by the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/2020 I received an email from Capital One : We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 

*All phone conversations below I have saved recordings that I can send per your request* XX/XX/2020 - I called the number provided in the email and spoke with an account specialist that informed me my account was suspected of fraud and asked me to verify some recent XXXX transactions by providing them a name and phone number for the people I had transactions with. After I provided them with the information requested, the account specialist claimed that she was not able to hear me which eventually led to the call being disconnected. 

XX/XX/2020 - Contacted the same department and the representative informed me that Capital One will no longer offer me banking services now or at anytime in the future with no further explanation. She assured me that my accounts will be closed and a check sent for the balance in each account. 

2 Checking accounts 1 Savings XX/XX/2020 - I received two checks in the mail ; one for my savings account and my secondary checking account. My main checking account with a balance of {$4400.00} was not included. So I assumed it would be sent separately and was anticipating it in the coming days. 

I called 3 times between XX/XX/XXXX and XX/XX/XXXX and I was always transferred to a voicemail. Left a message and never was never contacted. 

XX/XX/2020- Called the same number and this account specialist was about to transfer me to that same department. I asked him when this department was open because it has always been a voicemail in the past. He explained that it is always a voicemail on this line - He literally says there is no one that can help me. Ended up transferring me to a manager that ultimately transferred me again where I was placed on hold for an hour before I finally hung up!
Product: Checking or savings account

On XX/XX/2019 XX/XX/2019 XX/XX/2019 there was fraudulent XXXX  charges on my checking account by my debit card XXXX XXXX XXXX XXXX which was cancelled by the bank. A new debit card which was issued on XX/XX/2019 by mail card # XXXX XXXX XXXX XXXX which I had received on XX/XX/2019 with letter stating that there was a breech and TCF Bank issued new card which was also used a day later. The amount that were charged to my account on XX/XX/2019 and XX/XX/2019 were XXXX XXXX XXXX XXXX. I filed fraud complaints case # XXXX and case # XXXX. Icalled TCF Bank today XX/XX/2019 and they denied claims stating I had charged these amount through XXXX and I didn't and I would not be receiving my money back. Now I am negative {$530.00} Checking account # is XXXX Thank you for helping My name is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone # XXXX I did call the XXXX XXXX  phone number that was given with charges and they will not take phone calls. The XXXX XXXX phone number was XXXX I am not able to print out my statement because they are changing there web at this time. They could only read it over phone to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Vehicle loan or lease

My mom purchased a 2018 XXXX XXXX in XX/XX/2018. In XXXX, she had a XXXX. She suffered many injuries & we do not know if she will ever drive again. She is on SSI & XXXX. I am her POA & I've been trying to make arrangements with XXXX XXXX. I have two options : a voluntary surrender with the bank auctioning off the car, or selling to a 3rd party. The dealership has offered to purchase the vehicle for {$15000.00}. When the service agreement & gap coverage is refunded, she may still owe {$4000.00}. I requested that XXXX XXXX let us sell the car back to the dealership and we will work out a payment arrangement for the balance. 

XXXX XXXX  has refused this offer and refuses to release the title to the dealership. They insist that we voluntarily surrender the car & my mom will have to pay all the fees associated with the auction. Auctions tend to get less money for a car that a buyback from the dealership. I've talked to someone in the executive office and they would not explain to me why they would release the title in an auction and not in a 3rd party sale. They are refusing to work with me to reduce my mom 's debt. Chrysler also called me at XXXX XXXX after I specifically asked them not to call before XXXX XXXX Mountain time. 

When my mom purchased the car, her loan came with a 14.5 % APR. She owes {$23000.00} for a vehicle the dealership values at {$15000.00}.
Product: Credit reporting

XXXX XXXX XXXX, 2015 I submitted a dispute to Equifax regarding an account that was unlawfully transferred and reporting inaccurate and false information. I requested the descriptions and procedures of the reinvestigation as well, as my attorney has notified me were my rights to have. Equifax continually claimed they verified the account and sent me a notice saying that it was updated with new information. This account was reared and dates were added to include it to be active in 2015. This information is absolutely inaccurate. I requested the descriptions and procedures and they sent me a separate letters, after i wrote a letter requesting their methods of verification, that it was not their responsibility to provide that information to me. I asked who spoke to whom and when and how was this verified and even updated and they refused to answer my question. This investigation was done past XXXX days and finally after months of fighting i wrote them threatening to file an FTC complaint and they did not respond to me again and continually ignored my letters sent certified mail. In XX/XX/XXXX i filed my first CFPB complaint and they claimed, that on XXXX XXXX, 2015 they 'CALLED ' to verify and spoke " personally '' to someone at that department. This " verification '' which they are attempting to falsely XXXX me up with was only done nearly XXXX months to the day that I requested an investigation along WITH the descriptions and procedures, which were never provided to me. This account continues to be inaccurate and it was unlawfully placed on my file. I have never had an account settled or owed to the US Department of Education. Before any transfers were done this account was settled with Pell Overpayments. They verified a transfer with someone else ( a male ) i am a woman. Therefore this account was never authorized to be paid or transferred by me. The Us Dept of Eductaion knows that they falsely transferred this an do not wish to be honest about it andI have filed a formal complaint against them and they have informed me that they are checking phone records and signatures to investigate who authorized this account to be transferred when no amount was due to them and no one ever spoke to me. I have never been delinquent on anything in my life. There has been a tremendous injustice done unto me and they refuse to see that this account is under investigation and was fraudulently placed on my file. Equifax is lying about doing an investigation, they have no proof, they send me NOTHING and they had not responded in over XXXX days initially and now they claimed to have called on XXXX XXXX? No, that is unprofessional, unacceptable and too late. This account must be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account