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

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of proof included XXXXXXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

XXXX
Product: Debt collection

Disputed spring 2019, this debt via the credit bureau not validation of how the debt was verified, received a letter stating it was varied and will remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting or other personal consumer reports

The account in question does not belong to me, and I have no knowledge of its existence. 
Therefore, I am requesting its immediate removal from my credit report. 
I have taken the necessary steps to address this issue by filing a report with the Federal Trade Commission ( FTC ) regarding the fraudulent nature of this account. Additionally, I have provided all relevant documentation to support my claim of identity theft. 
Under the Fair Credit Reporting Act, I am entitled to an accurate credit report free from any fraudulent or unauthorized accounts. It is imperative that this matter be resolved promptly to prevent any further damage to my credit history. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the fraudulent account from my credit report. 
Thank you for your prompt attention to this matter. Please inform me of the steps taken to rectify this situation.
Product: Student loan

I dont know who this company is. They are on my credit report as a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information to the credit report agency 's. I spoke and have written to the company with no correction being made.
Product: Prepaid card

On XX/XX/XXXX, I purchased a wig from XXXX XXXX XXXX on XXXX I use the XXXX XXXX to submit my payment for {$50.00} through XXXX XXXX. I use Cash app two weeks went by. I do not receive my product. I emailed the lady with the email that was on her XXXX account. I wrote her on social media. I also called the number that was on her social media account and never received the answer. Once I got to XXXX weeks because it was around the holidays I decided to submit a dispute through Cash app I submitted supporting documents of me. Emailing her. I submitted documents of me calling I submitted documents of me even sending messages under post in regards to the goods that I purchased that I never received. They responded back in about XXXX days saying that my dispute was denied. I did receive the services still till this day I have not received the services. I tried to report them on XXXX and this is why I am addressing this with you guys today I feel like with all the proof that I sent them. I should have definitely received my money back for a wig that I have never gotten and this person is still on XXXX scamming other people Im sure
Product: Credit reporting

I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report. A similar credit card by the same company was issued in my name as well but I did get that one disputed back in 2008. So please delete this one as well as it is not mine.
Product: Mortgage

Freedom Mortgage assigned an FHA Case Number fraudulently before they had Fully Executed XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$9600.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

On XX/XX/2021, I sent in a request for validation to said Company CHOICE RECOVERY, INC. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, XXXX, Equifax These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
1.XXXX ( Fraudulent ) 2.XXXX ( Fraudulent ) 3.XXXX  ( Fraudulent ) 4.XXXX  ( error paid ) 5XXXX XXXX  ( Fraudulent ) 6XXXX XXXX XXXX ( Fraudulent ) 7.XXXX  XXXX ( Fraudulent ) 8XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) 9XXXX XXXX XXXX  ( Fraudulent ) 10XXXXXXXX XXXX XXXXXXXX ( Fraudulent ) 11XXXX XXXX XXXX Fraudulent ) 12.XXXX  ( Fraudulent ) 13.XXXX ( Fraudulent )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, BMO Harris BK at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX. 

I am filing a complaint to contest the fact that BMO Harris Bank allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding XXXX and XXXX, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX and XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in 24 hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Provide the chain of assignment XXXX. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect XXXX and XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 
If XXXX and XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file
Product: Credit reporting

In attempting to correct some serious issues with my credit report, Trans Union did not complete the correction satisfactorily. When I called the number listed in the Investigation Results, not only was the service person rude, she refused to listen and refused to give me information about myself or to correct the inaccurate information. I was trying to put a consumer statement on my account and she refused. I tried to update my address correctly ... as part of the original investigation they updated it, but did not update it correctly. She refused to correct it and refused to give any additional recourse to have it corrected. When I told her I would be filing a consumer complaint about this situation, she then threatened to then return additional information that had already been corrected and removed in retalliation. Her name is XXXX. She would not give any further information about herself or her position/title. I have been working with Trans Unition since XX/XX/XXXX to get this information corrected, from XXXX, as a service member XX/XX/XXXX. This has become a serious issue for my work and XXXX as it has become a question with my security clearance and should n't be. The information in contest is incorrect and needs to be corrected to reflect my actual history. I would appreciate any help in getting Trans Union to fulfill their obligation and either correct the information or place my consumer statement as is my right by law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice that there were fraudulent accounts on my report. Please remove this account from my report, as it is hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes.

Given the widespread use of Zelle for both personal and business transactions, I believe it is imperative for your service to maintain a high level of trust, security, and customer satisfaction. Many customers, myself included, rely on Zelle for fast and efficient transfers, and the handling of disputes is crucial in preserving that trust. Unfortunately, my experience has highlighted a significant gap in the dispute resolution process that needs to be addressed. 

To further illustrate my concerns, I would like to point out the following : 1. Lack of Timely Communication : On multiple occasions, I reached out to your customer support team for updates on my dispute, but the responses I received were delayed and often did not address my concerns comprehensively. This left me feeling uncertain about the status of my case and created unnecessary frustration. 
2. Ambiguous Dispute Resolution Procedures : The instructions provided for initiating and tracking disputes were not as clear as they could have been. I found it difficult to understand exactly what information was needed at each step and what outcomes I could expect. A more transparent and detailed guide would help users navigate the process with greater ease and confidence. 
XXXX. Lack of Accountability : In my case, after submitting all the required documentation and following up multiple times, I did not receive a clear explanation of why my dispute was either denied or delayed. The absence of a detailed explanation regarding the decision was disappointing and left me with a sense of being disregarded as a customer. 

These issues not only affect my individual experience but also raise concerns about the reliability of Zelle as a whole. I am confident that addressing these concerns will improve your service and help maintain the trust of your users. 

In closing, I kindly ask that you take my feedback seriously and work towards implementing improvements to the dispute resolution process. I would appreciate a timely and thorough response outlining the steps that Zelle intends to take to address these issues. I trust that you will take the necessary actions to ensure that future disputes are handled more efficiently and with greater transparency. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I rented a car XX/XX/2022, and checked on the Capita

l One Platinum Mastercard website guide to benefits PDF that I have rental car insurance, therefore I declined additional insurance.

A hit and run occurred on the rental, and I called to file a claim with Capital One ; they state they ended rental car coverage. 

The supervisor I spoke to XX/XX/2022 @ XXXX stated this is a problem that continues to occur. I am not the first person this has happened to.
Product: Credit card

Target credit card payment posting delay. 
I have a Target credit card with a limit of {$600.00}. I am set up on autopay, but I usually pay the balance off in full each month because I do not want to pay any interest. On XX/XX/2024, I made a one-time credit card payment of {$540.00}. My Target credit card account is linked to my XXXX checking account. The {$540.00} amount was withdrawn from my checking account on XX/XX/2024. However, on XX/XX/2024, when I tried to use my Target credit card, my transaction did not go through. I spoke with a supervisor who indicated payments can take up to 14 days to post to customer accounts. I thought that was odd since the payment was removed from my checking account as of XX/XX/2024. On XX/XX/2024, I tried to use my credit card and I received an error message. I am still unable to use my Target credit card. I called and spoke with a supervisor named XXXX who indicated the hold was because I was near my credit limit. It appears Target is holding and probably earning interest on customer payments during their payment verification process. Note this was an ACH payment. I checked both accounts and confirmed the payment debit from my checking account and the payment posting on my Target credit card account.it seems as though Target imposes an undue waiting period to release fund availability on customer accounts. I attached screenshots of my XXXX checking account statement, Target credit card home screen, and my Target credit card statement. I believe there is a pattern with these types of transactions as I previously closed my Target credit card because of this same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the inaccuracy that is inquisitively furnished by Early Warning Services , LLC. on my consumer report. I came to know about this inaccuracy on XX/XX/2022 and due to this inaccuracy I was discriminated against and refused the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Futhermore, according to 15 USC 1681 ( b ) ( a ) ( 2 ), a Consumer Reporting agency may furnish a consumer report ONLY if youve given them written consent to do soI never gave my consent for XXXX XXXX XXXX XXXX to furnish any of my private information.
Product: Checking or savings account

I had 3 accounts and think started to get put on my XXXX XXXX that was not me and then I finding out that they let them do this with out a card number a email address only I ask how is that possible and con I told XXXX and XXXX and XXXX to stop letting that happen and then didnt even do it its really annoying and sad I had savings count all wiped out and I dont no what to do
Product: Debt collection

I received a judgment letter in regard to an old apartment complex citing I owed no funds. The same documents are also available on XXXX. Months later, the same complex has placed a {$3900.00} debt onto all three of my major credit reports. They unlawfully reported this balance to the credit bureaus without first notifying me of its existence and in doing so denied me the opportunity to pay the alleged debt before it negatively effected me. I was not properly notified of the existence of this alleged balance before it was reported. They are not XXXX accredited. The collection company is Consumer Collections Management of XXXX XXXX, MO.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX, two unauthorized charges were made of the amount {$860.00} and {$860.00} ( totaling {$1700.00} ), both for " PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CARD XXXX. '' I did not authorize these charges and was NOT in XXXX XXXX. I received an email at XXXX CT that these charges were made and called Wells Fargo approximately 15 minutes later on XX/XX/XXXX to report this unauthorized charge. Wells Fargo mislabeled the issue as " Don't remember this transaction '' and I called Wells Fargo claim department again on XX/XX/XXXX to follow up so that I could clarify that I never made the transaction in the first place. In my statement, I specifically stated that I did NOT have the card with me in my possession when these transactions were made. Finally, XX/XX/XXXX the claim was closed and I was not given back my funds. In the process, not once did they reach out for questioning or more information. I called on XX/XX/XXXX to request the claim be reopened and was told simply that the purchase must have been authorized because the chip was used. However, the card was NOT in my possession when the purchases were made, I was not in XXXX XXXX, and further, I contacted XXXX and individuals of the age of XXXX are NOT able to rent a car from XXXX in XXXX.
Product: Checking or savings account

On the afternoon XX/XX/XXXX I contacted SoFi to report XXXX fraudulent charges totaling {$100.00} after I receive an alert from SoFi. The operator acknowledged my request but could not dispute the claims until the charges posted. The evening of XX/XX/XXXX, I checked my account again and notice that there were XXXX additional charges totaling {$4200.00} made against my account which completely drained my account to zero ( {$4300.00} combined ). I then contacted XXXX again that night to dispute those charges as well. Sofi then froze my account ( even though it was at {$0.00} by that point ). After speaking with a fraud XXXX at SoFi on XX/XX/XXXX, the XXXX charges were deemed as fraudulent and the charges were refunded, yet my account remained frozen. This account is the only money that I have. I dont have any credit cards. By freezing my only access to my money, I can not pay for food, rent, prescription medications, fuel, etc. when contacting SoFi to explain this, the only response I get is that the status of the account is restricted and they are unable to provide any additional information. My case had been submitted to the internal investigation department. Upon requesting a contact number for that department I was told that there is no way for me to contact them as they do not take outside calls. So here I sit, XXXX days from my original dispute submissions with no access to money and not even a reason why my account is still restricted, and no information on how long this process might take. I am being stone wall by the general service reps and SoFi is essentially holding my money hostage for reasons unknown. I need food. I need to pay rent. But no one at this bank seems to care.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
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 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 XXXXXX/XX/XXXX