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

I owe XXXX with interest in student loans, XXXX has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and FedLoan. Fedloan transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. XXXX has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans XXXX is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the Fedloan account should be removed ASAP. ALL Fedloans were transferred to XXXX and it is attached to this dispute with the actual Fedloan notice!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 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 card or prepaid card

I called today XX/XX/XXXX because I just recently logged into my account to check my balance and it says I have XXXX available credit... I asked the person on the phone why I had no credit and they said it's because my account was closed XX/XX/XXXX by my request... I do not recall ever calling in and so I asked to speak to a supervisor... The supervisor stated that I called in XX/XX/XXXX and closed the account due to low credit limit... I informed him that I never called in...
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer 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

Hello, The following account ( s ) were never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
U.S. BANKRUPTCY COURT Reference Number XXXX The following account was never in Bankruptcy. Please update or remove from my account. Thank you. 
XXXX XXXX Account # XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XX/XX/2019
Product: Money transfer, virtual currency, or money service

My cash app account was locked. I was sent this after only changing my debit card information : We temporarily locked your account to protect you from possible fraudulent activity, and we are reviewing it now. 

You can still view your balance and investments, but you won't be able to send or spend money. 

You will receive a notification within 24-48 hours confirming we completed our investigation and unlocked your account. You will then be able to log in and resume using your account. 



My direct deposit goes to this account and I have money on it now.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXXXXXX XXXX XXXXXXXX. I previously sent a dispute letter requesting the removal for both these account charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process. 

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter.
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 XX/XX/XXXX 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 .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. 
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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I accepted a payday loan of {$300.00} from XXXX XXXX XXXX on XX/XX/XXXX this year. When I accepted the loan I was told that {$360.00} would be the total amount I would pay back. I have payed approximately {$280.00} of the {$360.00} amount I was told I needed to pay back. After receiving an advance notice of an upcoming {$96.00} withdrawal scheduled for XX/XX/XXXX, I took a close look at my current principal balance and saw that my {$280.00} payback amount had only reduced the balance from {$360.00} to {$330.00}. I found that most of my payments had covered finance fees undisclosed at the outset of the loan. Some of these fees were in as high as {$85.00} per {$15.00} borrowed. At such an interest rate, I would have to pay them more than {$3000.00} in total for my {$300.00} loan, which I can not afford. Shocked, I did some research on XXXX XXXX XXXX and discovered that they are not licensed to conduct business in the state of Illinois ( where I live ). In addition, their finance fees are far in excess of Illinois laws that cap such fees at {$15.00} per {$100.00} borrowed. Illinois law states that loans from lenders who conduct business without a state license or whose interest rates violate state law are null and void. Im wondering what actions I ought to take next. Ive already talked to my bank and had them deauthorize the automatic withdrawals from the lender. Im worried about collection agencies that may try to collect a debt on a loan thats void under Illinois law.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. 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 ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 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: Mortgage

On XX/XX/XXXX, our loan processor, Select Portfolio Servicing , Inc . Took two loan payments of {$4600.00} each when only one was due. Since then, they have not returned the extra payment despite a dozen plus phone calls and letters to them, including sending our bank statement showing non-receipt of any refund. 

We see in online reviews that they have done this to other people as well. It strikes me that they are taking extra payments and holding back refund monies unfairly and repeatedly.
Product: Checking or savings account

Previous complaint filed with you guys XXXX This is ridiculous the bank keeps saying.they need more time but there are time-frame to follow and they're not. So what do you guys do to help??? It's been 2 or more months since I first filed complaint.
Product: Debt collection

pursuant to FCRA they did not provide a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) ... ( A consumer contract with my signature on it ) in under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified The law is very clear as to be civil liability and the remedies available to me for negligent non-compliance
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate 4inquiries These lenders have accessed your credit file : XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  Removal date XX/XX/XXXXXXXX  listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law. I am also a victim of data breach with XXXX and i have attached proof as well Attachments Data Breach XXXX ( XXXX XXXX  ) View full complaint
Product: Debt collection

I HAVE TRIED ON MANY OCCASIONS TO DISPUTE INCONSISTENCIES THAT APPEARED ON MY EXPERIAN CREDIT REPORT . ONE IN PARTICULAR IS   XXXX   XXXX   XXXX  . EXPERIAN CLAIMS TO HAD VERIFIED  THE ACCOUNT AS ACCURATE HOWEVER I KNOW FOR SURE THAT THIS IS AN ERROR THAT THEY REFUSE TO FIX BECAUSE THE REPORT HAS DATES DURING WHICH I HAD NO SERVICE OR RELATION AND HAS AN OUTRAGES AND INCORRECT BALANCE. EXPERIAN HAS NEGLECTED MY RIGHT TO A FCRA AND LEAVE ME TO BELIEVE THEY HAVE NO INTENT ON CORRECTING THIS ERROR. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AT ALL AND NO MATTER HOW MUCH I DISPUTE AND ASK FOR LEGIT/TRUE EVIDENCE EXPERIAN HAS FAILED TO PROVIDE ME WITH SUCH EVIDENCE OR RIGHTFULLY REMOVE THIS FALSE ACCOUNT FROM MY REPORT. THEY HAVE NOT STATED ANYTHING FURTHER OTHER THAN " THE INFORMATION IS ACCURATE '' THEY ARE NOT PROPERLY DOING THEIR JOBS.
Product: Checking or savings account

My direct deposit was due on Thursday XX/XX/year>, my paydate is XX/XX/year>. There have been no deposits made as noted by my employer. The only correspondence was via email XX/XX/year> indicating they were having system issues. There have been no updates since. I have my mortgage due and possible late fees and returned check fees if they are unable to process my auto payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of closing on my house. On XXXX XXXX, 2017 a hard inquiry came on my credit report with trans union. I have n't applied for no credit, I do n't need a car and this inquiry came on me. I got a notification from XXXX XXXX and when I seen it was from XXXX XXXX I went up there and talked to the business manager named XXXX XXXX and told her I did n't apply for any car loans. She then faxed a removal to trans union to number XXXX XXXX. I then written to trans union and they sent me a letter telling me about inquiries! I know what a inquiry is and need it to be removed.
Product: Credit card

Nine charges on my card in early XX/XX/year> were not made by me. All charges were made in North Carolina. I live in Connecticut. AE credited my statement with seven charges. The other two they said the card was present. 
I only have one card, which was in my possession the entire time in CT. 
I have not authorized anyone else to use my card. AE is requiring me to pay these bogus charges.
Product: Debt collection

I have contacted Portfolio Recovery reference number XXXXon XX/XX/XXXX andXX/XX/XXXX by certified mail multiple times through written communication advising them this debt was not mines. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the singed contract in question for3 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.
Product: Credit card or prepaid card

This is now my fifth complaint about BOA and I will not stop until my unemployment benefits are given to me. Ive had to claim this income that I never received on my taxes so Ill be XXXX  if Im not going to actually receive it. This is why there are numerous lawsuits against BOA for doing a horrific job at protecting our unemployment benefits from fraudsters. Again, I never received my card when I applied so I assumed I was not approved. Months later is when I saw the emails in my spam folder that I was approved. I contacted md unemployment and had to go through a ton of hoops to verify my identity. Which I did. I then alerted BOA. A claim was submitted for XXXX. I was told numerous times Id receive my provisional credits within days. It never happened. Ive filed multiple complaints about boa and have recently been contacted about joining a class action law suit against boa for not handling our benefits accordingly. At XXXX time I was very loud on BOA XXXX page and have many people following my story. I wont even get into the horrific events that occurred in my life because of boa negligence because its all been said before and no one cares. Boa are liars and cheaters. Just like the handling of these complaints. Ill receive a professional looking emailing stating its so and so and they will now be my point of contact and to get in touch within so many days. However they never respond to the phone calls or emails. Im convinced the names signed on the email are not even actual people. Boa has hurt so many American citizens throughout this pandemic and need to be held responsible for the lives theyve ruined, and the lives taken because people were at their end due to boa negligence. I was told several times that my claim was approved and id receive the funds then I never do. I dont know where theyve sent any correspondence bc Ive yet to receive anything from them. Which isnt surprising beings they sent my card to a completely wrong address.
Product: Checking or savings account

I am a victim of a unauthorized fraudulent wire transfer initiated from my Chase checking account on XX/XX/2022. Chase did not contact/notify me ( via email/phone ) in regards to the legitimacy of the fraudulent wire transfer. Due to the negligent act of Chase not notifying me of any suspicious account activity, I did not discover the fraudulent wire transfer until XX/XX/2022. The fraudster wired the amount of {$15000.00} out of my Chase checking account to a " XXXX XXXX '' who I have no relation with. My Chase checking account was under a joint family account with my father, mother, and sister. All of their accounts also had fraudulent wire transfers initiated by the fraudster but Chase blocked them all. Chase however was negligent with the security of my personal checking account and did not block the fraudulent wire transfer out of my personal checking account, thus resulting in my loss of {$15000.00}. I have filed an official fraud claim with Chase as well as a official police report on XX/XX/2022. I have also XXXX the compromised Chase checking account with a Chase employee and updated new credentials to prevent any further damage on XX/XX/2022. My family also took the same action with their affected Chase accounts as well. Chase bank 's lack of security and negligence caused me to lose {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Balance : {$93.00}
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have no knowledge of this said debt and I would like it removed as it is reporting to credit bureau as an open account and negatively affecting my score.
Product: Credit reporting or other personal consumer reports

According to my credit report by XXXX on XX/XX/XXXX a XXXX credit card was opened with a balance of {$2300.00} as of XX/XX/XXXX. It also stated that on XX/XX/XXXX a creditor opened a collections account with a balance of {$1400.00} as of XX/XX/XXXX. That is a total of {$3700.00}. There were also inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX