23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Money was sent for a service that never was properly given. I didnt receive the service that was advertised and that I paid for so I will like a full refund of my {$1700.00}. I couldnt dispute charge on Zelle app or get in contact with support!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against XXXX, XXXX, and Transunion for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On [ date ], I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that XXXX, XXXX, Transunion continue to furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX, XXXX, and Transunion is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX, XXXX, and Transunion have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, XXXX, and Transunion cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also remove the late payments attach to the following Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Lastly Remove the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX  XXXX XXXX, Texas XXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency.

These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681 of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number Comments Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Remove all fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Also, 15 USC Section 1681 ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a ( fraudulent ) debt, the debt collector must cease all communication.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with then directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I lost my job due to COVID. I sold my property to pay off my debt. The credit card company refused to provide any relief of all the extra charges and wanted to know where I was getting the money to pay them. I told them we sold everything we owned to settle and I gave them authorization to have my wife settle the account. They kept asking me where my money was coming from and refused to allow my wife to resolve the account. I asked for relief before and I always get a bad connection and can not understand the person that answers. All I wanted was a supervisor to resolve my account and she refused. They want to keep charging me high interest and penalties. They are abusing their power during this crisis. XXXX XXXX Synchrony Bank has been horrible during the crisis to try to work with.
Product: Credit card or prepaid card

On XX/XX/2018, I transferred my XXXX XXXX points to my wife 's XXXX account. My wife is the authorized user of two of my Amex cards. This transfer went through. Then I tried to transfer XXXX XXXX points to my own XXXX account, and the system said " it can not be completed because I'm selling points to other people ... ''. I tried the transfer again, the system said my XXXX account is now under review. Called immediately and the rep told me the review will take 6-8 weeks.

This is really unacceptable, since it was Amex 's customer representative who taught me that I can transfer my points to authorized user 's airline account! Now I did what Amex suggested and they think I'm selling points, to my wife who has my family name and live with me under the same address. This practice is really deceitful and underhanded on Amex 's part, and I shouldn't wait for 6-8 weeks and watch the reward air ticket seats for our third wedding anniversary 's trip gone during the period!
Product: Credit reporting or other personal consumer reports

I looked back on XX/XX/2024 and noticed some things are still incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because : XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate and is reporting under another company as well which has an incorrect balance. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXXXXXX XXXX  ( security credit ) XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXXXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX -open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

My name is not XXXX XXXX
Product: Money transfers

I sent a Western Union money order to my banker at XXXX XXXX XXXX Att : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Website XXXX Tel:XXXX Sent on XXXX/XXXX/16 MTCN # XXXX. 
Western Union comfimed it was pick up from the Money Shop at at XXXX XXXX XXXX XXXX XXXX At XXXX/XXXX/16!! I attched a document from the XXXX XXXX that they do not have a location at that address and does not know about any such money order!!! 
Western Union told me they would refund in 7-9 days, it 's been to longer than they said and I have heard anything from them. I have had to resend the amount this week in order to get my business completed!!! Please help me get my {$880.00} returned to me. 
Thanks For All Your Help!!! 
XXXX XXXX XXXXXXXXXXXX - XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Since the last time we talked I have found a life and disability policy that hasn't been honor and was left off the original documents it's through XXXX life policy number XXXX and my wife passed in XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted vanilla prepaid debit card today XX/XX/2023 about them replacing my gift card with a balance of {$30.00} because once I opened the package I saw that the card was misssing numbers on the front and missing the cvv number on the back. They wanted me to provide a proof of purchase of the card when it was a gift given to me on celebration occasion. A receipt I obviously dont have or know who gave it to me. This company obviously know most of the people wont have access to that receipt as proof, thats the way to keep their scheme fraud going.
Product: Debt collection

XXXX XXXX  ACCOUNT # XXXX SOLD A DEBT TO TRUEACCORD A COLLECTION DEBT COMPANY THAT IS TRYING TO COLLECT A DEBT ILLEGALLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

InXX/XX/XXXX, I made payment arrangements with Client Services regarding Capital One Bank, N.A. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having Capital One Bank NA/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : Capital One Bank, took payment to close this account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX Account : XXXX XXXX  Account XXXX XXXX Account : XXXX XXXX Account # XXXX XXXX Account : XXXX Account # : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 ( 2 ) : It also states a consumer reporting agency can not furnish an 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, 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX Reported : XXXX XXXX, XXXX ( {$3800.00} ) XXXX XXXX XXXX Reported : XXXX XXXX, XXXX ( {$430.00} ) XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX ( {$1600.00} ) FIRST XXXX XXXX  Reported : XXXX XXXX, XXXX ( {$610.00} ) XXXX XXXXXXXX XXXX  Reported : XXXX. XXXX, XXXX ( {$3200.00} ) XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX ( {$110.00} ) XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My credit was pulled more than one time at this XXXX dealership in which they should have pulled only once!! I need these inquiries removed from all three credit bureaus Experian, Transunion, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted A dispute with experian on XX/XX/XXXX. I disputed several items. I just received a notification that my dispute is complete. But when I checked it it appears that experian only disputed one item. I demand that they investigate all the items on my letter because its their job! According to the fair credit reporting act they have 30 days to investigate. They failed to do so and I demand that all the items be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in IdentityIQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX  XXXX Balance : {$230.00} I believe it was reported in error.
Product: Vehicle loan or lease

I TRIED TO VOLUNTARY SURRENDER THE VEHICLE TO THE LEASE COMPANY, HYUNDAI FINANCE, BUT THEY HAVE LOCKED THE VEHICLE AND DISABLED BOTH OF THE KEYFOBS AND THE APP ON MY XXXX. THEN TOLD ME THAT I NEEDED TO CALL A LOCKSMITH TO GET IN THE CAR. BUT OF COURSE THAT WONT WORK SINCE WITH MY REMOTES HAVING BEEN DISABLED I HAVE NO WAY OF STARTING THE CAR ANYWAY. 
THEY CALL ME EVERY DAY BUT DON'T SAY ANYTHING. AND HANG UP THE PHONE AFTER SEVERAL SECONDS. 
I HAVE HIRED A LAW FIRM TO HELP ME WITH THIS ISSUE. IT's : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX I WAS BORN ON XX/XX/scrub>XXXX XXXX XXXX WHICH MAKES ME XXXX XXXX XXXX. 
PLEASE HELP ME
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Experian, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 

Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information has been exposed in a data breach I do not recognize the items on my credit. Furthermore, I need some action to be taken.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be block and deleted. 

XXXX XXXX Company : XXXX XXXX XXXX IN Amount {$400.00} Company : XXXX XXXX XXXX XXXX XXXX {$140.00} Company : XXXX XXXX Amount {$180.00} Company : XXXX XXXX XXXX XXXX Amount {$180.00}
Product: Checking or savings account

Wells Fargo issued to my company, XXXX XXXX XXXX XXXX, a cashier 's check for {$2500.00} chq # XXXX dated XX/XX/XXXX that went to a former and old office address in XXXX XXXX, NV and got forwarded to my correct address. I received the original check here in XXXX, XXXX, so there was no need for me to get a notarized affidavit. 

According to Wells Fargo 's letter dated XX/XX/XXXX ( attached ), the deadline to respond to their letter was before XX/XX/XXXX. Immediately on XX/XX/XXXX I sent an email to unclaimed XXXX about the matter. On the same day, I received an auto response from Wells. On XX/XX/XXXX, I sent another email to Wells. Until now XX/XX/XXXX, over 2 months, no Wells Fargo team member has responded to my email. I also called their XXXX number but no one is attending to that number as well. 

I followed up with a letter to Wells Fargo on XX/XX/XXXX ( attached ) to send me a replacement check to be mailed to XXXX, XXXX, the specific address of which is already on their original file for my company. They have already sent me checks to this address in the past, so this is not new address to them.