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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX XXXX to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. 
I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. 
Summary of Discrepancies : XXXX. 
High Balance : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 
XXXX. 
XXXX. 
Last Verified : Only XXXX reports a date ( XX/XX/XXXX ). 
Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. 
Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 
XXXX. 
Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 
XXXX. 
XXXX. 
Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). 
Account Rating : XXXX reports Derogatory, while XXXX and Experian report Paid. 
XXXX. 
Creditor Type : XXXX lists National Credit Card Companies, while XXXX and Experian list Bank Credit Cards. 
XXXX. 
Creditor Remarks : Different remarks from each bureau. 
XXXX. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. Account Type : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 
XXXX Credit Limit XXXX XXXX XXXX {$0.00}, while XXXX and Experian report {$500.00}. 
XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Product: Checking or savings account

I have tried three times to transfer funds to a new Capital One account. Each time it never happens - this equals three hours of work!!!! I am furious! There is no one to email - you have to call customer service, be put on hold and told everything will be fine - they can't even EMAIL A CONFIRMATION! They will give you a bonus if you have a certain amount of money in a savings account, BUT THEY MAKE IT IMPOSSIBLE TO TRANSFER THE FUNDS! It is horrible!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.
Product: Money transfers

Trouble completing transfer and unsupportive service. Service not completed in promised timelines.
Product: Credit card

Credit card was applied for and filled about by store employee I was never given any information about Credit account - no interest rate, payment schedule or type of credit card. 
Lowes home improvement centers issued me a Commercial Contractors Credut Card. 
I am a XXXX single homeowner living on XXXX. .. this acct calls for full repayment of goods purchased each month Not your usual method at over time credit card. 
I can not afford these fees or harassing phone calls I feel my rights have been violated for I would have NEVER. Agreed to sign up for a card like this. 
Lowes I found out has five different types of credit cards- I was NEVER given a choice, I was sold a 5 % savings if I got a credit card. 
I was not told anything else about this credit card. 
The have been trying to fix it with lowes and synchrony bank for four months with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This company has the wrong personal information I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX & XXXX have new inquiries that need to be removed from my credit report asap i gave noone permission to run a credit profile for inquiries fot me
Product: Credit reporting or other personal consumer reports

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS
Product: Credit card or prepaid card

I received an offer by Wells Fargo for a credit card with zero interest rate for 21 months. This application was denied with no justification, so I believe I was denied for being XXXX, and I have Federal Student Loans which are in the XXXX program and I am a federal employee. I called them back to have someone review my application again. This was denied again for no reason on XX/XX/2023. I received the offer by mail and email.
Product: Mortgage

My mortgage company underestimated property taxes by a large amount. As a result, my payment has increased by approximately & XXXX due a an escrow shortage. This took effect at the beginning of this year
Product: Credit reporting or other personal consumer reports

I am still trying to get a 1099 - c from sst/XXXX XXXX and I can't get one and I also have submitted previously a request for arbitration I am afforded that luxury according to the account disclosure the last one I sent I called them and ask what was the status of my request and I was told that they weren't going to do anything about my request because I didn't file it correctly and I am sending a copy of my request that I sent to systems services technology. This is the fourth or fifth complaint that I ha XXXX lodged against systems services technology in the last year and NOTHING has been done about it and now something has to be done about this company they are not above the law.
Product: Money transfer, virtual currency, or money service

- On XXXX XX/XX/XXXX upon reviewing the transaction fee charges ( {$5.00} per incoming international wire ) for Wire Transfer at First Tech Federal Credit Union ( my XXXX XXXX  ) I initiated my inquiry with Bank in XXXX  ( XXXX XXXX  ). 

XXXX XXXX XXXX  - XXXX  XXXX  confirmed their side of fees in XXXX  ( XXXX Rupees ) and since fees that were disclosed to me appeared reasonable, I initiated 4 wire transfers ( two for {$25000.00} and two for {$12000.00} each ) on XX/XX/XXXX. 

- On 18th afternoon pacific time I received the 4 incoming Wire Transfers in my FTCU account, however each transfer was deducted by {$30.00} plus additional charge of {$5.00} each was debited from my account. 

- I called my sender bank and inquired about the discrepancy in the amount received, they shared an output of XXXX transfer, which clearly outlined the dollar amount, {$25000.00} twice and {$12000.00} twice. 

- The XXXX message showed that the XXXX code for First Tech is managed by XXXX XXXX XXXX XXXX XXXX 

- I called FTCU on XX/XX/XXXX and they confirmed that they utilize XXXX XXXX bank as their XXXX  XXXX  XXXX XXXX  in XXXX  system and {$30.00} each was indeed deducted by XXXX XXXX for their services. 

- FTCU shared a fine print thereafter which stated Correspondent or XXXX XXXX  may charge additional fees. All the while clearly knowing that it is their XXXX XXXX XXXX  who charges exact {$30.00} per transaction. 

- My requests to refund {$120.00} charged by FTCU in addition to {$5.00} each have been denied by FTCU on XX/XX/XXXX, even though the agent that I spoke to over phone or reached via secure message agreed that their Website doesnt disclose or clearly mentioned {$30.00} per transaction fees for each and every incoming International Wire Transfer. 

Submitted for your review and remedy here! 
Regards
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries I asked for them to be removed and the bureaus did not do what I asked. 
I am providing an identity theft report and Im requesting for them to be removed because they are inaccurate and not mines
Product: Credit card

Discover, I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for {$470.00}. I initally filed the dispute because it was taking the appraisal company too long to send the documentation, even though as i have stated to you that i never needed the appraisal in the 1st place because i aready had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way XXXX agreed to cover the costs as stated in the email that I sent. I get a notification from discover saying that the case is closed and the merchants favor. I get this and call in on the week of XXXX to reopen the case and it is a hassle to get the case open which I do n't really understand. I am advised by your CSR to submit documentation showing that XXXX agreed to pay which I do. I called in on XXXX to see if the case has been reopened and get a runaround from your dispute team reviewing the documentation and they do not reopen the case based on word jargon. They get fixated on the fact that XXXX states in the email uploaded that I am getting cash back I refuse to reopen the case unless I provide documentation showing it which I have at this point. 
First and foremost I do n't understand why it is such a hassle to put something in dispute in the first place it is nothing like XXXX or other creditcard companies dispute process. I feel like you have to fight to get a dispute opened or reopened discover needed adapt amx 's or other credit card companies dispute process/ methodology. This is because it reopened I am not on close my account I am getting our family attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to LexisNexis on XX/XX/2019, to place a security freeze on my LexisNexis consumer report but they replied : Unfortunately, we were unable to process your request, as we were unable to authenticate you with the information provided. 
The letter I sent this company had a copy of my current updated Identification card and Social Security card along with other personal information.
Product: Credit reporting 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 XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and DELETE them immediately in my report XXXX XXXX XXXX XXXX XXXX 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 had a gym membership with XXXX XXXX in XXXX in XXXX XXXX, XXXX. I notified in person, in the gym, in XXXX of that year that I was moving to a location that did not have a XXXX XXXX and needed to cancel. I was told that the cancellation was taken care of but due to the billing cycle, I would be charged for XXXX. I said that was fine. 

In XXXX of XXXX, I noticed they were still charging my credit card. I called and told them I had canceled and they said it was an error and they would cancel the charges. In XXXX of XXXX, they charge a yearly membership fee to me. I called again and again it was database errors. I informed them that I would be disputing the charges with my credit card company as it was becoming fraudulent. They said it would be taken care of. 

Now in XXXX of XXXX, I have received a debt collection for {$290.00} for a membership I have not had for over 2 years and have not been to XXXX XXXX in that time. I am at wits end on how to get them to stop trying to bill me and lie.
Product: Credit reporting or other personal consumer reports

Upon careful review and investigation, as per FTC Report Number : XXXX. I noticed fraudulent and unauthorized accounts listed on my credit report file and filed for Identity Theft. I requested for all listed accounts below be deleted and removed from all three of my credit report files : XXXX, XXXX, and TransUnion, however, accounts are still being furnished inaccurately. Now, according to the Fair Credit Reporting Act-FCRA codes : 15 USC 1681 ( c ), 15 USC 1692 ( g ), 15 USC 1666 , 15 USC 1681 ( b ), 15 USC 1601, 15 USC 1681 ( 4 ), 15 USC 1681-623 ( a ), 15 USC 1681-604 ( a ), the list of accounts below has violated my federally protected consumer rights : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Department of Education-EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 addition, I have sent several disputes requesting the deletion and removal of these items but I do not know why the accounts listed above are continuously being updated and not permanently deleted/removed from all three credit bureaus files ; XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX OF XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$760.00}
Product: Debt collection

XXXX calls from multiple numbers claiming to be lawyers who want to serve me with papers, they say that I have to pay them {$500.00} now or they will take me to court for criminal proceedings. They call at all hours and to my family members threatening me. They call 3-4 times a day. When I have spoken with them and I ask for them to send me proof that I owe the debt they claim that they do not have to send me any proof. I also do not owe this debt, I 've cleared all my debts that can legally be collected on.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PROFESSIONAL ADJMNT CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL ADJMNT CO  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXXXXXX, XXXX SOC  SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX
Product: Mortgage

I have been calling SLS to be placed in a COVID forbearance however, every time that I reach out I am given the run around, told verbally I won't qualify, yet given no reason as to why. I have suffered a reduction in income as a result of COVID- yet no options have been offered to me at all. I have also asked to have a new point of contact, as the last representative misinformed me, XXXX and other representatives, XXXX has refused to explain why I can not apply for COVID assistance. They seem reluctant to help me and whenI ask for a new person to speak with, I am told someone will call me- yet I receive no calls.
Product: Credit card or prepaid card

Comenity Bank has been undergoing a scheduled maintenance for a few days and customers can not access their accounts to make payments. There is not an option to speak with a representative to pay over the phone. I do not want to incur a late fee because of this.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.