23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXXeb. 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/updated. They are not in compliance with the following law. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

Citibank hold the funds received through a refund from the merchant starting XX/XX/XXXX until XX/XX/2019. 

It was refunded only when I called-in to get it refunded back to me. 

The amount was {$70.00}. 
Credit Card # XXXX The bank is following malpractices and unethical and is trying to usurp the customer 's money.
Product: Debt collection

since late XX/XX/2020, i have been disputing this fraudulent account through XXXX, each time the result comes out as " verified as accurate ''. i asked them more than once through the last 6 months to provide me with the methods they are verifying this debt. each time i get the message to contact the creditor. after all attempts to call the creditors i was asked to provide them with documents such as copies of SSN, DL and so on. this issue had took me long time and too much energy and has hurt my credit score. i even provided them with a copy of FTC report which i upload here too. please resolve this problem and prevent such unprofessional creditors from playing with people 's lives. thank you
Product: Debt collection

This debt is over XXXX XXXX XXXX. It should have expired from my credit report 3 years ago.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.
Product: Credit card or prepaid card

I recently received a XXXX branded credit card from Marcus : by Goldman Sachs in the mail. It was mailed to my name, but to my parent 's address. It also included a card with my mother 's name on it. I have not lived at this address or used it as a mailing address since I XXXX  college in XXXX. While I was in XXXX, I did have a XXXX card ( shared on an account with my mother ), but it had been cancelled around XXXX. I have received no notifications of this account being active or in existence since this time. I discussed this with my mother who also had no knowledge of the account being open. I called Marcus : by Goldman Sachs to discuss why I had received a card that I did not apply for or authorize. They told me the card was sent because they took over the XXXX XXXX program from another financial institution ( I believe they stated it was XXXX XXXX ). They claimed this account was on the list of active accounts they received from XXXX XXXX. They would not provide any other information. I asked them to close the account, but they refused, stating that I was not the primary card holder ( even though both cards were sent to my name and there was no indication of my mother 's name except on the additional card that was included ). I feel they reopened an old, previously closed account without my ( or my mother 's ) consent. I have since asked my mother to call and close the account. I feel that this is an unauthorized account opening and Marcus : by Goldman Sachs is opening closed accounts without authorization. I work hard to keep my credit score pristine and feel that unauthorized actions like these are damaging to it.
Product: Credit reporting or other personal consumer reports

I initiated a phone call to the company inquiring about my credit limit and why wasn't I provided a card in the mail? The company referred me back to the dentist office, Dentist office referred me back to the company. I certified mailed in a Debt validation letter inquiring about this account. As well as started a dispute with all 3 credit bureau about this account, it was reported closed but not removed. Currently The company XXXX XXXX continuously attempting an ACH withdraw everyday or every other day out my account as the account is reported closed on my social security credit report. Furthermore The Dentist office XXXX XXXX XXXX as well as XXXX XXXX are reporting two different company names. Which has me totally confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore XXXX should also have that. Now I am filing this complaint so that I can get a faster solution to this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) 2 you must also complete this reinvestigation within 15 days of receipt of this letter.
Product: Credit card or prepaid card

Today on X/XX/17, I went to the XXXX XXXX XXXX in XXXX XXXX,  CA to shop at the XXXX XXXX XXXX XXXX clothing store. The sales associate who rang me up applied a store credit card under my name without my consent. She did n't even ask me about applying for a card. The cashier asked me for my social security number on the keypad to look me up as I remember in the past I used to have a credit card with the store. I only gave her consent to look up my existing credit card and she asked me for my identification, which I provided. When she rang me up I said I wanted to pay with the credit card that was in my hand and she said she just billed the existing store credit card. Since she had already done that I let the issue go. On the screen that i signed it just said that I promised the card issuer that I would pay for the amount on the screen. After the transaction she gave me the credit card disclosures and wrote that I had a new account opened on X/XX/2017. On the printed and electronic receipt I have on my email it also said she applied for a new credit card. I asked the sales associate telling her that I work for a bank and it 's illegal for her to apply for a new credit card for me without my consent but she told me it was on my existing credit card from many years back. I tried calling the issuing bank from the disclosures but it is a holiday weekend and the automated system did n't recognize my information. It advises me to call back during the weekday. The problem I have with this is that the associate never even asked me the consumer if I wanted the credit card. She just applied for it without my consent. I believe she used my drivers license information on the credit card application as well which is my previous address and not where I currently live. After the holiday I plan on contacting their corporate office as I looked online and there have been numerous complaints about opening credit cards without client consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX 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 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I have mailed and offered a settlement offer to the company to let them know I am experiencing financial hardship and am no longer able to afford the monthly payments. They have responded in writing indicating that they have received a request to stop contacting by mail or phone, which is not what the letter says, and to fax over the preferred communication. I faxed over my preferred communication style with a note indicating for them to mail financial hardship options and have yet to receive any. Given the nature of my employment, I am not able to communicate via telephone, hence, the writing communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my, and hundreds of thousands of others ', personal information in XX/XX/XXXX. Initially I was concerned my personal information may have been compromised, along with so many others, but when my identity was stolen in early XX/XX/XXXX, I became sure. This is absolutely unacceptable and something needs to be done to hold Equifax and other companies accountable! Please do something!
Product: Checking or savings account

My accounts and my children 's accounts were closed for no apparent reason. They told us that they will send us a letter explaining what would happen next. It's been 3 weeks and they are still holding on to our money and we have received no letter or email regarding our money and accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issues concerning a late open account, charge off, and late closed accounts on my credit report, despite my twelfth attempt to rectify the situation. 

Despite providing extensive documentation and diligently following the prescribed procedures, these inaccuracies persist on my credit report. 

I request that you conduct a thorough investigation into these matters and take immediate action to correct the late open account, remove the charge off, and late closed accounts from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXXXXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus again a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXXXXXX Balance : {$860.00} XXXX  XXXX XXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, 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. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported Trans XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type Trans shows Open, XXXX  shows Collection ; XXXX XXXX XXXX XXXX Last Active transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I disputed this data in XXXX, letting XXXX know this civil case ( XXXX ) was satisfied and dismissed by the judge. I have not received any proof on a thorough investigation being conducted for the disposal of this case. This case was supposed to be disposed of since XXXX. It has been almost XXXX years now, and it is still on my credit report. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX in Compliance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX Account XXXX Reported 30 days late. 
XXXX I was a victim of identity theft in XX/XX/XXXX. My chequeing account number was being used for unauthorized ACH transactions. My funds were frozen in XXXX and XXXX. Key Bank was notified but they didn't care.

The credit bureaus listed REFUSED to contact Key Bank and complete a valid investigation of the series of events. 
The Credit Bureaus have REFUSED to add my own XXXX word statement on my credit report. 
XXXX froze my credit report XX/XX/XXXX WITHOUT MY CONSENT OR REQUEST. 

COMPLAINT : XXXX  NONCOMPLIANCE OF THE FAIR CREDIT REPORTING ACT. 

Bank with breached account : XXXX XXXX Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX  : XXXX ( breached account, present account has new number )
Product: Checking or savings account

On XX/XX/XXXX, I made a payment for my XXXX XXXX card using an ACH using my robinhood checking/brokerage account. 

On XX/XX/XXXX, the payment posted in robinhood as a ACH XXXX XXXX XXXXXXXX XXXX. 

Robinhood declined the transaction ( even though I had enough money to cover the payment ) and FROZE my account. 

The payment in robinhood now says : State Failed Account Frozen The transfer could not be completed because your account is currently restricted, frozen, or temporarily closed.

I need to pay my bills and pay my rent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my email to see that I received a message from experian.com dated XX/XX/XXXX of XXXX and its stated that I no longer have a credit score. There was an open dispute of three XXXX  loan which is considered to have a XXXX balance due to a lawsuit that the school faced. I first received a letter stating that the debt will stay with a balance of over XXXX XXXX dollars. I logged in and the website listed that it was still reviewing the dispute and by XX/XX/XXXX of this year, I'll receive an answer. I don't know if I was a victim of phising or if Experian just deleted years of my credit history. I haven't open any new accounts. My credit score was around XXXX but now it's blank. There's an amount of the XXXX  loan but no credit score.