23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My name is XXXX XXXX im change this name in XX/XX/2020 im send many time via mail to the address provide Best Buy Credit Card for update my new name. But for any reason that is not possible all the companies change and update my personal information but Best Buy no do that because all the time never receive the information im send. Today im speak with the costumer service and this person talk to me y the best advice i close the account. Impossible for me the las XX/XX/XXXX somebody use my old name ( XXXX XXXX ) and she opened new account this is fraud and identity thief so my credit report update the new name and close the old name but this company don't do that.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Money transfer, virtual currency, or money service

Hi, i already sick help with paypal regarding with my account but they are not listening to me about my appeal the money was just available already then suddenly they have permanently limited my account i feel sad because my account was already old and my customers already memorize my email address they keep sending me their payment because my business is more about coaching hosting websites and and customers avail plan subscription depends on subscription based on our website i already provided the website through paypal they accepted and i understand that they already know my business i don't have actual products it's more off virtual transactions online which already established with my colleagues international i am seeking your help to reach out through people to grant my request lifting of permanently limited i really need to continue my transaction businesses and because this is just the only source of my income i understand the paypal responsibility is to keep our account safe from the unknown transactions i made sure when it comes dispute i attended right away just to maintain the good record of my account because it's already old and stablish. Thank you.
Product: Credit card

I placed an order for an item that was to be delivered in 10-20 days. This was a standard item ( a XXXXXXXX XXXX desk organizer ) that was billed at a price about half of other companies. I was immediately charged {$25.00} on a XXXX account which I had charged to my American Express account charge was made on XX/XX/2023. When myAmex statement arrived showing the charge I disputed it ( on XXXX ) as I never received any confirmation from the purported " seller '' nor have I have of of this date received the item I ordered. American Express closed the dispute on the bizarre basis that charge was justified with no explanation provided. I have demanded the charge be reopened as of even date. 

Any preliminary investigation would have determined that the immediate transfer of an Amex charge to XXXX which I never authorizes, the failure of seller to ever confirm the order and the failure to deliver merchandise after near 2 months is transparently fraudulent. I am entitled to a credit for {$25.00} and a recognition by Amex of its failure to comply with applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number XXXX XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Mobile/XXXX Home XXXXXXXXXXXX XXXX XXXX, 2016 Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Citibank Client Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : former credit card # XXXX Case # XXXX On Call International We abruptly cancelled our credit card with Citibank in XXXX 2016 because of our experience with your card member services during an emergency situation while on our vacation in XXXX. My husband became ill and was taken to a doctor and within hours had to be rushed to the XXXX XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016 where they informed us that they wanted to perform XXXX on my husband. I went back to the hotel and called the emergency number on the back of the credit card to ask what assistance could be provided to us in regards to evacuating my husband back to the United States for medical care. I was transferred to " XXXX '' with On Call International at XXXX and issued Case # XXXX. After almost an hour with a very bad connection, I was told by " XXXX '' that we were n't entitled to anything because we did n't have a high enough Tiered Card and no assistance would be provided in our time of need. 

The literature and brochures that were mailed to us and confirmed on the phone with your Customer Service Representatives by my husband on several phone calls prior to our trip indicated that we were entitled to wonderful benefits. This is the first time that we traveled outside of the United States and did not take travel insurance out with a legitimate travel insurance company because of what we were being told by your representatives. At the very least we were lied to and misled about benefits with your credit card. 

The reason that it has taken us so long to correspond is that my husband has been in and out of the hospital here in XXXX, XXXX since we returned to the U.S. and has just been released from having XXXX that should have been performed immediately in XXXX if we had been given assistance in getting my husband back to the U.S. We have been out of pocket thousands of dollars and immeasurable pain and suffering because we were misled. 

Disgust with Citibank is about the only way I can describe my feelings.
Product: Credit card

15 USC 1611 Fault and Misleading they put inquiries on my credit report but didn't no give me the credit when I used my social security number i should not be denied that goes for all credit cards and collector I have never done business with. All negative items should be removed from my credit report so I can purchase me a house with a low interest rate an I pay all my obligations on time in a timely manner I need all inquiries removed as well so my score can stay up and stop coming down every other month.
Product: Credit reporting or other personal consumer reports

Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BC125 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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, credit repair services, or other personal consumer reports

I recently found out i had some fraudulent accounts on my credit report. i contacted the police dept as instructed by the bureaus. then i sent them proof, but they still wouldn't take these accounts of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account ; someone using my information opened the account. I tried to contact AFFIRM INC, but they don't list their contact information. I have disputed this with XXXX, and they tried to tell XXXX they confirmed it was me. I know for a fact they never reached out to me personally.
Product: Credit reporting or other personal consumer reports

Its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment/collection. They have not supplied this information and they must delete/ update to paid as agreed or never late the alleged late payments on my credit report. Under federal law they had XXXX  days to complete the investigation and by failing to do so the item must be deleted/update to paid as agreed or never late from the report as soon as possible. I have sent multiple letters asking for proof/details. The credit reporting agencies just respond that everything is updated or verified as accurate. I have sent letters to XXXX, XXXX, Experian and XXXX XXXX XXXX. 



In accordance with the Fair Credit Reporting act ( XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 account under an open end consumer credit plan as late for any reason. 

XXXX XXXX I received a letter XX/XX/XXXX stating late payments would be removed. Since then, theyve been removed then placed back resulting in me losing XXXX points from my reports. 

XXXX XXXX XXXX Ive reached out via mail to send me all documentation in their possession on the alleged debt on my account for review XX/XX/XXXX. I have since then received no response or deletion, therefore it should be removed. 

In addition, my open account with XXXX  XXXX keeps reporting in the middle of, my statement date ( before Im able to pay off balance by statement ) resulting in me losing XXXX points from my reports. 



Inquiries : Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went into XXXX dealership to test drive a car on the date above and my credit was ran XXXX. As a result, I would like both inquiries removed. 

XXXX XXXX XXXX XXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 

XXXX XXXX  XXXX XXXX XXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 


Resolution : Delete inquiries, delete late payments or update as paid as agreed and delete collection. 

XXXX violations- I expect to receive compensation for each item inaccurately reporting/ reinserted.

FCRA Section. 
611 Part ( A ) ( 1 ). No valid response within 30 days Experian, XXXX, XXXX and XXXX XXXX XXXX FCRA Section 604 ( A ) ( 3 ). Pulled report without permissible purpose XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX FCRA Part ( A ) ( 5 ) ( B ) ( ii ). XXXX  XXXX late payment reinsertion XXXX XXXX XXXX  -Payments XX/XX/XXXX and XX/XX/XXXX
Product: Credit card

Open a charge account with XXXX ward back in XX/XX/XXXX.I have used the account in the past and paid the entire balance.However, upon realizing that such account was n't been reported to any of the corresponding agencies. I decided to close the account.In such case I contacted XXXX ward back in XX/XX/XXXX and asked that they close the account. 
However, XXXX ward has kept the account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about a year now, I have not only had inaccuracies on my credit report, but I am also having issues receiving an updated credit score/account info from Equifax. Account status and balances are incorrect, and causing further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several creditors listed on my credit report that are not mine. Please remove them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRY : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX {$1200.00}
Product: Vehicle loan or lease

I have been overpaying my loan to pay down the principal as fast as possible.  Today I received a letter that stated that my overpayments will not be applied to my principal but to other fees before principal reduction.  This is to make more money off of me illegally in violation of the original loan agreement.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report.

All alleged late payments and other transaction and experiences must be removed and ceased to being reported.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle and my financial institution did not investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking the 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 scam. This unacceptable lack of accountability and transparency raises concerns about consumer safety.
Product: Credit card or prepaid card

As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXXXXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXXXXXX Acct # 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.
Product: Credit card or prepaid card

I found out that someone hacked in my account and charged {$80.00} on chsrges that i dont authorize.on oversea on dating site in XXXX which i didnt authorize and the bank which bank of america debit would nt give the money back into my account i have told them that i didnt authorize these transaction. They want to close out my card and they wont give a new card which paying for it. As i tryed to explain to this rep who is very rude and they accused me of spending my money on this and trying to scam the bank. I didnt authorize this charges i have no need or desire to sent money on a web site.i have a wife and i dont need a women. Now their wont give my money back .i have been talking them until am blue in face and so upset about this issue i just want my money back. This my money that i worked hard for.I dont understand why i cant get my money back. I have never heard of a bank doing this
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX