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

Capital One Bank have said they are having technical issues this has delayed my direct deposit from my job. Its currently XX/XX/year> which is paydate in my company and my fund are not available when I called to ask when this issue would be resolved since I need this funds because its my paycheck that covers me and my family basic needs like food, home etc all that was said by a representative of capital one bank its that they have a team working on it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consuming reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) 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 ( I ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately : Inquiries XXXX XX/XX/XXXX Accounts XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second report with the cfpb regarding Capital One. I hold credit with Capital One and so does my father with this card. 
My father is undergoing a refinance with his home. I had several excuses of Capital One not taking off late charges when the card company was at fault of not processing my payment correctly. 
I had another excuse of due to the hurricane that the company is short staffed. 
I had attempted payments and phone calls three times to XXXX at Capital One 's Corporate office. Her number is XXXX. ( XXXX ) XXXX # XXXX. The Customer Service Department has threatened prosecution of non-payment to the credit card holder. I agreed several times before the due date to make payment arrangements, which Capital One agreed to {$30.00} several times.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report as a direct result of identity theft caused by the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The Equifax data breach exposed my personal information, which has resulted in fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach and comply with its legal obligation under the FCRA.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if Experian chooses to reinstate any of the disputed items, I expect a detailed explanation, along with the evidence used to validate their accuracy.

Failure to comply with my request will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities.

I expect a response and resolution within the legally required timeframe. If you need further information, you may contact me directly at the information above. 
Sincerely, XXXX XXXXXXXX XXXX Enclosures : ID, Proof of Address, SSC, FTC
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. They informed me 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a {$120.00} medical collection that was paid by insurance in 2015. I provided proof of payment that I received from the creditor. The creditor informed me that they do not know why this is showing on my credit report as it was paid by insurance in 2015 and consider the matter closed. Equifax verified that the item was correct somehow. They could not have given that the creditor provided me proof and says that it is not something i owe. Equifax did NOT properly investigate this item, they did NOT contact the collection agency or creditor as required by law.
Product: Credit reporting or other personal consumer reports

The Company stated that there would only be a soft pull on My File, when I noticed it was a hard pull? I disputed and requested them to remove and they refused to remove. I am working to buy a House and get Business Funding for My Business, this is hurting both Home Purchase and Business Funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am sending this ninth complaint towards Experian and XXXX. As, while the Experian have removed a fraudulent account. There were still XXXX more items that needed to be removed. And the XXXX XXXX have not removed anything at all. This time I am asking the CFPB to please supervise the removal process of these items below : EXPERIAN : XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX reported to my personal credit report that I owe them {$4500.00} for multiple devices. However, I did not agree to, nor did I receive any goods from XXXX. I contacted them to dispute the claim and they asked me to contact the store and collect security camera footage of who used my information to secure the devices. However, the store does not have that recording. I have disputed this via certified letter to XXXX when I was first notified, and I did not receive a response. I submitted proof that XXXX and its collection agency did not respond to my dispute to all three reporting agencies, XXXX, TransUnion, and XXXX and they all refused to remove the incorrect information from my reports. 
I disputed this information in the legal timeframe allowed by the FCRA, the creditor did not respond with proof that the account belongs to me within 30 days from receipt of my certified letter disputing the information.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report has someone else 's information including former name, current address, open/revolving accounts, auto loan. His usage is affecting my credit score. I want to get this fixed. I am writing the last 4 digits of all the open accounts that do not belong to me ( XXXX XXXX XXXX ) but are reflecting on my credit report. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX There is a closed account XXXX XXXX XXXX also which DOES NOT belong to me. 

In my entire life, I applied for one credit card from XXXX  which end with XXXX and I do not see that on my credit report. 

Now I see a XXXX XXXX XXXX XXXX which also does not belong to me XXXX XXXX XXXX and has a account number ending with XXXX. It has a balance of {$19000.00} and term duration of 72 MONTHS. How can I give this precise information about someone else 's auto loan because it is reflecting on my XXXX credit report. 

There is also a COLLECTION reported on my credit report and it DOES NOT belong to me. Here is the information : XXXX XXXX - XXXX. XXXX XXXX XXXX Original Creditor Name- XXXX XXXX IL Date Assigned-Mar XXXX, XXXX Original Amount Owed- {$200.00} Amount- {$210.00} Status Date-Dec XXXX, XXXX Status-UNPAID Balance Date-Dec XXXX, XXXX Account Designator Code-INDIVIDUAL_ACCOUNT Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification-RENTAL_OR_LEASING Date of First Delinquency-XXXX XXXX, XXXX Coming to Personal Information the following personal information is also INCORRECT : Incorrect Name- XXXX XXXX Incorrect Former Names : XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX Incorrect Social Security ending with XXXX XXXX XXXX of Birth : XXXX XXXX XXXX 

And now I m listing all the incorrect Current and Former Addresses : Status Address XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX CT XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I've attached the screenshots from my XXXX Account to support my request. All the information mentioned above needs to be removed and fixed asap.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024 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.
Product: Credit reporting or other personal consumer reports

I called Equifax regarding unauthorized inquiries on my credit report and that I wanted to have them removed which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of identity theft and data breach and would like to have these accounts removed from my credit report
Product: Debt collection

Keep calling saying they are filing a lawsuit against me! Do not know who this is and they refuse to let me know what the debt is or who it is. Calling relatives and won't stop calling!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit card company won't work with you while you're going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments i need Manager response to me
Product: Credit card or prepaid card

Chase closed three of my personal accounts and three of my business accounts with them. I pay my balances in full on my personal cards, and also never have any late payments on all my cards. 

They sent me a letter telling me they were watching what I was buying ( my transactions ) and due to that, they closed my account as the letter said ( unexpected activity ). 

Why am I being targeted for what I am buying if that is the case?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, as I am a victim of identity theft resulting from a data breach. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information resulting from fraudulent transactions. The accounts and inquiries below are not authorized by me, and I have no knowledge of them : Fraudulent Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$200.00} XXXX. XXXX XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$220.00} Fraudulent Inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Debt collection

I was released on XXXX bond was not required. My family did not know that I was going to be released on XXXX They went to XXXX .the night I was released scared and not knowing what was going on and that my paperwork when I was released said OR. 
The Judge told me to have XXXX call him that I did not owe them. I then went to XXXX told them what the judge said. They just ignore me. I then went to judge he said I was not obligated to pay them.
Product: Credit card

I was an Ollo cardholder, but have not used the card in few years. I made one time purchase in XXXX for one year subscription for {$50.00} on this card, I made sure that auto-subscribe button was off. So it was one time deal for me, I paid my {$50.00} owed, and forgot about it. Back in XXXX of XXXX I came to find out that I was charged another {$50.00} from that XXXX XXXX I subscribed for ONE YEAR only, and accumulated some late fees on top, because OLLO became ALLY!!! I was not aware of it, as I get too much junk in the mail, and when I saw ALLY in my mail, I thought it was junk! As soon as I realized that I called the bank, explained what happened. They opened a dispute, I received a mail confirmation on XX/XX/XXXX. They asked me to contact the merchant and try to solve with them. I provided the bank with all the information I could find about that club I subscribed for. The phone number was not legit, the customer service options on their website were unclickable. There were no means for me to get in contact with that shady company. The ALLY resolution was that they find the charge legit, and I have to pay. I decided, that {$50.00} not worse the aggravation, so I called them up and said that I agree to pay {$50.00}, asked them to waive the late fees due to their banks changing, and to close my account. I paid the money, was granted fee waiver, and was told my account will be closed. On XX/XX/XXXX I received a mail confirmation that my account was closed. I have been bombarded by mail and text messages prior and ever since, the latest balance is {$57.00}. ( Attached is a picture to show the frequency of their mail, and there are also text messages and emails! ) .I been calling them numerous times, heard different stories, last one told me I already had {$27.00} late fee honored, she can not honor twice! Twice!!! There should only be one time fee removal, but because of their cycles, it kept rolling into the next cycle, or so I was told. This bank was nothing but headache to me and I wasn't even aware that I became their customer. I am accumulating more fees as days go by, but I feel it is unfair how I was treated, not able to get any help or resolution.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXXwhether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX Account # XXXX