23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Deposited a payroll check in the XXXX XXXX, XXXX  branch ATM on XXXX XXXXXX/XX/XXXX. Called XXXX XXXX on XXXX XXXXXX/XX/XXXX to ask when the funds would be available, an extremely rude teller told me checks clears in three business days at midnight and then hung up. Was not satisfied with the service I received so called the XXXXXXXX XXXX branch and received outstanding service. Was informed there was actually an extended hold on my check which XXXX never informed me of. There were also no initial funds released ever ( {$220.00} or similar ). Called XXXX back and another teller told me she would look into it and call me back. She did in fact call me back and told me my funds would be available next XXXX XXXXXX/XX/XXXX unless something came up. They are holding my payroll check ( from a world renowned XXXX XXXX which uses XXXXXXXX XXXX ) for six business days without any notice or release of any initial funds. Typically I use direct deposit but the company changed payroll systems and paper checks were sent out for some unfortunate employees.
Product: Credit reporting or other personal consumer reports

Employees failed to report payment history correct based on their own emails and corresponding emails.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems. Leaving, users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

You stated that you did you investigation on XXXX XXXX XXXX as they are reporting negatively on my credit report but where is your proof of that verification? Pursuant to 15 usc 1681a ( e ) whom have you interviewed? I want for you to provide me the actual facts of whom you have interviewed regarding this alleged debt because the definition of an investigative consumer report says you shall obtained information through personal interviews However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. I am requesting proof of this. If you can not provide proof of the interviews you conducted within your investigation you said you did on XXXX XXXX XXXX then you shall remove XXXXXXXX XXXX  from my credit report immediately. According to 15 usc 1681i ( 5 ) ( A ) ( ii ) you shall promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our XXXXn and XXXX report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XX/XX/XXXX did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XX/XX/XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can report accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry from XXXX XXXX XXXX XXXX needs to be removed
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA Account type - Credit card Date opened - XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Above Account created under BANK OF AMERICA XXXX XXXX was never late for payment of the account as I have setup an autopay system for my account. This is a billing error. 
According to 15 U.S. Code 1666b this is a billing error always paid as agreed on time this is an error this account in violation.
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns regarding my Zelle 's handling they disputes. DESPITE USING Zelle numerous times and reporting discrepancys.My financial institution and Zelle failed to investigate claims the right way.recovering my lost funds was impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 Delete All Accounts 1 ). 602 ( A ). Congressional In findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting.

2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

REQUESTING TO REMOVE ADDRESSES FROM MY ACCOUNT. INACCURATE ADDRESSES ARE LEAVING ME SUSCEPTIBLE TO CONTINUED IDENTITY THEFT. PLEASE DELETE OLD ADDRESSES AS LISTED BELOW : 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

On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against SYNOVUS BANK concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX SYNOVUS BANK Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this XX/XX/XXXX day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also SYNOVUS BANK emailed me a confirmation letter stating that they advised the credit bureaus to remove the XX/XX/XXXX day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from SYNOVUS BANK & the letter that was email to me by SYNOVUS BANK stating that they have reached out to the credit bureaus to remove & correct the XX/XX/XXXX XXXX late errors and to update my account. XXXX & XXXX, XXXX  refuses to make corrections after SYNOVUS BANK have requested for the XX/XX/XXXX day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!
Product: Credit card or prepaid card

I set up the direct pay account so long ago, I can not remember what it was for. Every pay period {$25.00} dollars went to this account for years. Today when I tried to get information on this account, there was no phone number. Just the routing number, account number, and the name of the Bank. It says Bank Of America, XXXX XXXX XXXX XXXX XXXX Mo. XXXX. The Routing number # XXXX and account # XXXX. I tried calling XXXX to no avail. I also tried XXXX to no avail, as I got the second number from an on line search and a second address of XXXX XXXX XXXX XXXX VA XXXX. 

I cancelled the direct deposit with my payroll office XXXX XXXX and XXXX XXXX ( XXXX ) XXXX as of today. 

I've been scammed and cheated. 

I went directly to a Bank Of America bank at XXXX XXXX XXXX XXXX XXXX Maryland, and a teller and banker told me that it is not their account and not their routing number. I thought, how odd because the routing number comes up as Bank Of America. So now the question is, where is my money going and how do I recover all the previous deposits? Whatever you can do to help would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made XXXX, Equifax XXXX XXXX aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. XXXX, Equifax XXXX XXXX keep sending me verified responses without any further proof. Please Delete these Accounts, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted a copy of my police report to TransUnion and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulent items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard Inquiries Were NOT Authorized : Consumer Portfolio Services- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

Re : Cease and Desist Communication Request Dear Credit Control I am writing to formally request that you cease all communication with me regarding the alleged debt XXXX XXXXXXXX XXXX account # XXXX Specifically, I request that you stop contacting me via text messages and email. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. Please consider this letter as my formal notification to cease all communication. 

If you need to communicate with me further, please do so in writing at the address listed above. Do not contact me by phone, text message, email, or any other means. 

Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general 's office, and/or other appropriate agencies. I also reserve the right to take legal action under the FDCPA if necessary. 

Please acknowledge receipt of this letter and confirm in writing that you will comply with my request. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX  XX/XX/2023.
Product: Mortgage

I have not been satisfied by the lack of customer service from Statebridge Company. My home sale in XXXX, Tennessee was closed onXX/XX/2018 and both myself and XXXX XXXX of XXXX, Tennessee, requested but never received a letter from Statebridge stating my mortgage loan was Paid in Full. In addition, after nearly three months Statebridge still has not updated my credit reports to reflect this loan had all payments in good standing ; balance paid in full ; and mortgage loan account is closed. This lack of action did not happen with my other mortgage company involved in this home sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries reporting on on my credit report that I didn't authorize. I would like them removed/deleted. 

I will list them here with dates. 
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
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Debt collection

Credence Resource Management , LLC has placed a collection account on my credit reports in the amount of {$340.00} that I do not owe them. I have never done any type of business with this company. 

I've never received services, any sum of money, or merchandise from Credence Resource Management , LLC so therefore I do not owe them any money. 

There is no legal contract that bears my wet ink signature or the wet ink signature of a representative that binds me to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my credit report and include my new credit card accounts with XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

I've had these accounts for 3 months now. 

We're in the process of filling a class action lawsuit against Equifax.
Product: Credit reporting or other personal consumer reports

A closed credit card from Capital One that was taken out by my former wife shows me as an authorized user with a balance of over {$3000.00}. I never had access to this account nor have I used this account. Currently this is on my credit report causing me problems
Product: Vehicle loan or lease

Hello, i have a lease with XXXX XXXX XXXX, i called them and asked about pay off letter on my car. Same day a paid my car off. I have a payment confirmation. In few days i called to ask when i will get my title. They told me in 10 days. In 10 days i called and XXXX is out of business. And now there is the company Innovate Auto Finance. They told me i will have my title up to 45 days. But its already 50 days. I called them every day and the keep telling me they don't know what the problem is, Where is my title they didn't know and a lot of different stuff. XX/XX/16 they send me Letter of guarantee that i payed off the car. But i need a title, and i don't know how i can get it because they keep telling me some bs stories
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
Product: Credit card or prepaid card

On XX/XX/2022 I received a call about a suspicious attempt to open a Capitol One credit card account in my name. I declined that it wasn't me and they were going to deny it and report it as fraudulent for investigation. I then reported it to the credit bureau, freezing and putting an alert on my credit. 
Upon reviewing my credit report, I found an address that didn't identify with anyplace I live or had lived ( in AR ). Called credit bureau to make them aware of this. I will follow this up with a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Prior cfpb complaint went unaddressed. Complaint where Nissan failed to make l scheduled payments and claimed we did NOT. Now and once again even though regular payments automatically scheduled and confirmed with them. You-the CFPB and they do nothing to correct the problem while we continue to get calls we did not pay!!!! Big farce!
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 DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX 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 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.