23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX and Equifax on XX/XX/2022 regarding unauthorized inquiries and they have not removed them. XXXX disregarded my letters because they thought a third party was sending letters out when it was me who wrote and sent my letters out. Equifax removed a few inquiries but did not remove all of them.
Product: Money transfer, virtual currency, or money service

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

I have reached out to XXXX XXXX or XXXX XXXX, i am livid with the Experian XXXX, who refuse to assist. Also lied about a XXXX  being available to assist with my request. My name is XXXX XXXX and the have it on my report as XXXX XXXX, i have never signed with any company going by XXXX XXXX. And all my years of having credit I have never encountered such errors as these people seem to have on my reports. I mean ALL 3 of them, Experian, XXXX and XXXX. I had to take off from work to get on the phone and just be disrespected when I am telling these people who I am and what my information is. They are refusing in most cases to assist. It's like they have been told not to help us. I am very upset and i want my report for all 3 bureaus to show correct. I have been denied credit, credit increases, and given higher interest rates for some of this bull XXXX that these agencies are reporting. I have never had to file a report of this manner to anyone, BUT with this rudeness and refusal to fix my information by phone when they have my ID and bill information on file, is beyond me and i am sick on talking to them to get my information correct. They have a XXXX payment report of late on my report and i have not been late, i paid my vehicle off early and was not late at ALL. I need these things to be corrected and updated on my report. I called XXXX and they said they don't have the information of me being late and they did not report it. My only name is XXXX XXXX and my only address is XXXX XXXX XXXX  XXXX  GA XXXX no other statements or addresses should be showing on my report. The late notice from XXXX should be removed immediately from my report. I was told a long time ago that they would correct this. Thank you for assisting me and if you need any more information, please reach out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX high interest loan in which I XXXX searched, Im not sure whether or not they showed the fee charge which Im sure they didnt. 

I borrowed {$1000.00} and the fee was {$1400.00} creating a total loan of {$2400.00}. 

If I knew it was going to cost that much for a loan I wouldnt have signed the loan docs digitally. 

Even the terms are unfair, I cant hire a private attorney according to the credit agreement.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX ) XXXX XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

Identity Theft : USAA Checking/Credit card Sent to former address Close, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) .specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations
Product: Bank account or service

Bank of America decided they wanted to make money off of my banking account as soon as I was hired at a full-time job, so they started charging me a monthly {$3.00} service fee for what they call 'check images ' attached to my monthly bank statement. This service has absolutely no value to me. BOA is just exploiting consumers by providing a service without prior consumer authorization. Even worse, is the fact that in order to stop this 'service, ' BOA wastes citizens valuable time trying to contact them. 

They did send some paperwork saying that account holders could decline, but there is no way to do this without spending an inordinate amount of time either waiting for phone service, or having to meet with someone at a branch. Also, there is no easy way to find an address where one can write to this bank to quickly resolve something like this. 

I have tried three times to cancel this 'service ' -- two times on the telephone, and another time I asked the bank branch greeter to provide me with an address where I can send a letter, but he could not give me one without turning my request into a long research project. 

I am asking your help to get all of the {$3.00} charges reversed so I get all my money back since they started this in XXXX 2015. Additionally, as you can guess, I want this monthly 'service ' and the unnecessary charges stopped since the images are of no value to me. What they are providing is just XXXX 'check ' image that BOA creates to go along with my phone/internet payment on my Target bill -- it is n't a 'real check ' at all. Their image is useless because when one pays a bill over the phone or on the internet, customers are given a confirmation number. This BOA practice exploits account-holders. I have categorized this complaint as an unauthorized withdrawal within your category ' Deposits and withdrawals ' since you do n't have a category for 'service charges. '
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 : Upon reviewing my credit report, I have discovered that certain information is inaccurate. XXXX XXXX ( XXXX  ) opened XX/XX/XXXX {$210.00}, XXXX opened XX/XX/XXXX {$1300.00}, XXXX XXXX opened XX/XX/XXXX {$140.00} 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.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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 
XXXX XXXX XXXX ACCT # : XXXX.
Product: Credit card or prepaid card

On XXXX-XXXX-2017 I was reviewing my credit card billing statement from Chase, Slate credit on  XX/XX/XXXX billing statement my interest rate was at 23.99 and my XX/XX/XXXXstatement is at 24.24, I  called spoke with XXXX, he said there was nothing he can do to lower the rate as for the supervisor XXXX she said the same, I have been with them for over 8 years and they refused to help, I was told to check with the credit bureau, did not make sense, they have nothing to do with the rates, I was informed their rates run from 0 % -24.76, I just refinance my home, I have excellent credit, according to there review a good credit score should be offered at least 15.99 %.
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX  Inquired on XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

I initially open the cfpb complaint number XXXX because I had issues with Equifax providing accurate information and verification of the accounts I am disputing. A simple " item verified '' is not in accordance with the FCRA. I AM REQUESTING METHOD OF VERIFICATION FOR THE FOLLOWING ACCOUNTS OR EQUIFAX TO REMOVE THEM IF THIS INFORMATION CAN NOT BE DISCLOSED. 

***XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
**** XXXX XXXX, IN EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, ADDITIONAL INFORMATION, ACCOUNT HISTORY ***** Trade : XXXX XXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXXXXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 

**** Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION NON REPORTING DISPUTES ***** the method of verification was not listed only the items were verified is not a proper response. 
While I understand that you've mentioned the items were verified in line with the FCRA, I kindly request further clarification regarding the specific details of the verification process that was undertaken. This information would greatly assist me in understanding the basis for the verification and in ensuring the accuracy of the information on my credit report. 

To uphold the principles of transparency and accuracy, it would be very helpful if you could provide the following information : 1. The method ( s ) used for the verification of the disputed items.

2. Documentation or evidence that was used to support the verification process.

3. The dates and names of the individuals involved in the verification. 

Additionally, I wish to emphasize that my main concern is to ensure that the information reported on my credit file is accurate and verifiable, as required by the FCRA. I believe that having access to the specific details of the verification process will enable me to make informed decisions and address any potential discrepancies. 

I appreciate your understanding of my situation and your commitment to resolving this matter fairly and accurately. Please feel free to contact me at XXXX or XXXX if you require any further information or if you are able to provide the requested details.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

State Collections is a third party collections agency is contracted through XXXX XXXX XXXX to collect debts for them. State Collections agency has repeatedly contacted my wife and me several times asking them verbally to stop calling us regarding this debt. It has been explained to them on several occasions that there was an error in the billing and we are working with XXXX and the insurance agency to correct the billing error. The problem is that when XXXX XXXX makes call they refuse to provide their name when asked what company is calling. They state that they can not legally provide the name of there company until they can verify the person they are looking for. Its only after you threaten to file a complaint will they then provide the number. They have called on back to back days ( XX/XX/XXXX & XX/XX/XXXX ). On XX/XX/XXXX a man called looking for my wife and when I explained to him the situation I asked that he remove my phone number and my wife 's phone number from his call list, which he stated that he would. Not even XXXX hours later a get another phone call from a different number with the same routine of refusing to provide me information regarding who the company is. It took for me to threaten them with this complaint that they provided me the name of State Collections. I again asked them to stop calling us. State Collections is now stating that they are protected under the disclosure laws and they do not have to provide any information to the anyone who calls them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
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 : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX : XXXX Account Name : XXXX XXXXXXXX XXXX  : XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX balance is at 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 an account without written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( XXXX ) 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: Checking or savings account

On XX/XX/XXXX, PayPal closed two of my accounts. They also notified me that they would be holding {$18000.00} of my money to prevent possible chargebacks. The money was mine, though ( checking to Paypal for {$6000.00} and {$12000.00} was sent from one PayPal to another, both mine ). Needless to say, I can't charge back myself. 

I value my relationship with PayPal, and have always taken my work with them seriously. Last year, for instance, I had multiple conversations with XXXX in their executive office. 

Many people conduct routine business in the manner that I do on PayPal, but I was singled out for account closure -- without knowing what I did wrong. If there is an issue having two business accounts, please close one, but closing both is evil -- and prevents me from earning a living. 

I also would like my {$18000.00} returned now -- they were mine funds, so again, I can't file a chargeback against myself. I was under the impression I was staying within the lines on everything I did with PayPal and ask for someone senior to review my account and give me one chance to stay within the terms. My accounts were both old and verified heavily. 

Thank you for considering my request to re-open my account and the separate request to return my funds. My PayPal records clearly show my funds were used to pay off credit card bills and locking up the funds will be crippling for me financially.
Product: Credit card or prepaid card

I was charged the late fee XXXX $ and an interest fee XXXX $ accordingly, from my Bank of America Credit. 
I am jobless due to Covid 19 pandemic, I have no income for more than one year. I tried to communicate with the bank to waive that? but they refused to me. So I am asking for help. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquires on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave Transunion any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.
Product: Credit reporting 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 XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by TransUnion, XXXX, and XXXX regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : TransUnion reports {$620.00}, XXXX reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information.

Conflicting " Date of Last Activity '' ( DLA ) : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : TransUnion lists the account as closed on XX/XX/XXXX, but XXXX and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous XXXX XXXX XXXX : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

XXXX 's late payment history conflicts with XXXX 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ).

Inconsistent Credit Limit Reporting : TransUnion and XXXX list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

Requested Resolution : Delete this account from my credit reports at TransUnion, XXXX, and XXXX. 

Provide me with a written confirmation of the deletion. 

Enclosed are copies of my credit reports highlighting the discrepancies and inconsistencies for your review. 

Thank you for your immediate attention to this matter. Please contact me if you require additional information. I look forward to your response within the XXXX investigation period as required by the FCRA. 

[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Debt collection

I was sued in 2003 by XXXX. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX Municipal Court XXXX, Ohio. XXXX. 2003 CVF XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Transunion reported to XXXX XXXX XXXX that my credit score was XXXX. At that time, XXXX  XXXX XXXX was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that Transunion score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at XXXX.