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

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and TransUnion XX/XX/XXXX same with Last Payment Date is not accurate. XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect date opened is listed TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX XXXX No date closed listed for XXXX XXXX XXXX. Inaccurate information listed for High balance XXXX XXXX XXXX/TransUnion XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.
Product: Credit reporting or other personal consumer reports

I looked on my XXXX XXXX  account and saw hard inquiries from different companies that I've never heard of and definitely didn't authorize to pull my credit. According to the FCRA these unverified and unauthorized items must be removed. 

-Syncb/amazon XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -SYNCHRONY FINANCIAL XX/XX/XXXX The rest are my open accounts. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on my credit report with XXXX XXXX  and experian. They all conducted an investigation into my complaint on these accounts. Upon XXXX  and XXXX  completion of investigation, the accounts were removed from my reports. Experian is reporting the same accounts but refuse to remove them. By law if a company is reporting to all 3 bureaus they can not just remove information from 2 bureaus and leave the same inaccurate information on one report. They must remove it from all 3. I have shown proof to experian of these removals and they are still reporting this information despite my documentation of proof. This goes against the standards of the fair credit reporting act. Experian has yet to provide physical proof showing why they are still reporting these accounts on credit report. It is harming my ability to obtain credit and employment, due to this negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) report number XXXX regarding the identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports
Product: Credit card or prepaid card

The PNC interface for business credit card shows up on my consumer account. On the consumer account, the interface says " Amount Due : {$0.00}. '' However, this is inaccurate, conflicting with information elsewhere on PNC.

I pointed out this GLARING, MISLEADING ERROR to PNC, but they still charged me a service fee as my " courtesy waiver '' was not available.

By any reasonable objective standard, this is not a request for a courtesy credit. This is a request for a credit due to MISLEADING INFORMATION on their poorly administered site.

I appreciate your help curbing the abuses in this sector, because recent history shows that companies like XXXX XXXX and perhaps PNC will use consumers like doormats if given half a chance.

The manager is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by XXXX who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!
Product: Money transfer, virtual currency, or money service

I am not allowed to link my PNC account with my rent payment system
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 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 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. 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, credit repair services, or other personal consumer reports

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AMERICAN ACCOUNTS ADVISORS INC contacted me several times in XXXX regarding an unpaid medical bill. I explained that I did not owe the bill because I had insurance. I faxed and mailed them a copy of my insurance provider 's information ( card ). I also returned their bill, having written on the bill that I did not owe the bill. 

AMERICAN ACCOUNTS ADVISORS INC falsely wrote in their notes more than once that I hung up on them without providing/offering to provide my insurer 's information. They apparently never resubmitted the billing to the insurer. AMERICAN ACCOUNTS ADVISORS INC placed the bill on my credit reports in the amount of {$780.00}. I have disputed the bill with the credit reporting agencies but AMERICAN ACCOUNTS ADVISORS INC refused to allow it to be removed. 

On XX/XX/XXXXXXXX  I spoke with XXXX XXXX and his supervisor XXXX XXXX. XXXX XXXX stated it is too late to submit the bill now and refused to allow the false information to be removed. I am asking for your agency 's help in having AMERICAN ACCOUNTS ADVISORS INC remove the false information from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage reported my account as delinquent when it is not delinquent. The XXXX reporting is showing that this mortgage account is delinquent. 

The account was paid on XX/XX/2022 and Shellpoint has reported this account as delinquent on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. '' Equifax is a 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax ( Furnisher of information to credit agencies ) whether 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. I need the problems fixed immediately.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX XXXX XXXXXXXX ( XXXX XXXX ) 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 furbish an account without my written instructions.
Product: Checking or savings account

I called XXXXXXXX XXXX and reported my card had several XXXX dollars in fraud and they said they would have me sign papers for the fraud. Well the papers never came and they issued me. New card and closed my report of fraud saying it was authorized I didnt even get the packets to sign. This is very poor behavior from the bank not aclodging that my accounts been compromised. They refuse to fix the fraud saying its not.
Product: Prepaid card

I am filing a formal complaint regarding an unresolved issue with one of three Visa Vanilla gift cards I purchased on XX/XX/year>, issued by InComm. While two of the cards functioned as expected, the third card, ending in XXXX, has been inaccessible due to a hold placed on it by XXXX. Despite following all recommended steps to resolve this issueincluding an initial call to Visa Vanilla Customer Support on XX/XX/year>, and providing all requested documentation via email on XX/XX/year> ( Case # XXXX ) I have yet to receive a resolution. 

I was informed the issue would be addressed within ten business days, but over a month has now passed with no updates or progress. This delay has caused significant inconvenience and has prevented me from accessing funds I paid for in good faith. 

I am now seeking government intervention to ensure that Visa Vanilla and InComm honor their commitment to consumers and resolve this case without further delay. I request prompt assistance getting a full refund for the aforementioned card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$2100.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 think FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in their reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on Equifax, XXXX and XXXX on XXXX thats wrong... .It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX & XXXX or all that apply ) and update the accounts to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from Third Federal Savings ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call XXXX Opt Out at XXXX or write. 
First - Third Federal Savings regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on XXXX, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via XXXX is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. XXXX 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want XXXX  collecting, or reporting any of my financial history.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - XX/XX/XXXX Fraudulent Transactions On My Card Were Made! I Called Early XX/XX/XXXX To File The Dispute And As I'm Speaking To The Agent She Adds In That There Were More Transactions Being Made That Same Morning ( Clueless )! I Had No Access To My Account Login So I Wasn't Able To See Anything Going On. I Found Out By Calling To Check My Balance And It Wasn't Near What It Should Have Been Because I Don't Use The Card! {$880.00} Was Spent -Netspend Pre-paid Card! They Said It Matched Previous Transactions But I DON'T USE THE CARD! They Told Me I Would Be Credited On Two Separate Occasions Providing Emotional Distress! Now They Closed The Dispute Saying No Error Was Made It Was Me! Please Help! Those Were My Savings.
Product: Money transfer, virtual currency, or money service

I used Western Union to send money to XXXX, XXXX. The recipient was not able to pickup the money due to local identification rules. I ordered the cancellation and refund of the money through the telephone. They did say that it was cancelled and refunded directly to the card ; which was false. Then I chatted with an employee through their chat system ; the employee stated that she cancelled transaction and issue a refund. Then I went to pick up the money, but the transaction number provided to me was not correct. After that, I went to the originator XXXX XXXX and tried to pick up the money, as instructed via telephone conversation wit a the call center attendance ; they said that the transaction was not found, even with a new number that was issue to me after I called three times. I asked to speak with a supervisor at XXXX who did not know what to do. XXXX employees maltreated me and were somewhat offensive toward me. The total amount to be refunded was {$350.00}. I spent more than half a day trying different Western Union establishments, as instructed by the company 's attendants. My time and money spent doing this was lost. ( WU are not going to pay for the time lost. ) Western Union and its affiliates are cheating the public. If the individual does not know how to work the system or is in fear of deportation like the majority of Western Union customers, they will loose lose the money, and probably the company will keep the money in its arcs. They are cheating the immigrants individuals that work hard to send money to their families in XXXX XXXX and probably other countries. The CFBP can not allow this to continue and thoroughly investigate all instances of this type of fraud committed by Western Union and other companies. The Congress should start an investigation over these practices of financial fraud of our hard working immigrants.
Product: Debt collection

I received a debt collection letter from you. 
Do you have the right person? 
Can you supply me with a contract or agreement signed with your company or the Creditor? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Thank youfor your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Debt collection

Worked with billing processor for 3 + months to resolve balance. XXXX sent by check from XXXX  XXXX account which was not applied to correct account. Biller did not send claims to insurances based on coordination of benefits. Took all info into dental office to assist employee in billing claims properly. The {$1500.00} the insurance sent was received by dentist office but not applied to the correct account nor were the claims billed to primary, secondary and health savings account billed in the correct order based on insurance guidelines.