23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

i filed a dispute with equifax to remove my unauthorized inquiries, was told contect the creditor. This was credity inquiries i did not authorize and want them removed.
Product: Credit card

First off, Bank of America closed my account after a perfect payment history, claiming my line was being used too much. I accepted this, but then when I attempted to retrieve points, which I earned, I was told the account was closed and I was getting nothing because of it. If the agreement contained information about getting points and redeeming them for credit to my card or other things, I think I should get this. In addition, I was told I had a ZERO interest rate on my account for almost 2 years and I have been getting charged interest each month since they closed my account. I want to know why they can break my agreement, not give me the credit I earned and charge interest on something that is interest free still?
Product: Debt collection

When looking over my report I went through and found some discrepancies on my report. Experian and XXXX XXXX are reporting 11 Charge offs on my report also as well as dates of payments negative reports and balances. I have requested validation of the account countless times, and have only received e-oscar verification from experian. I also I have also contacted XXXX to validate account and was told the account was sold to XXXX XXXX. When I sent a letter to validated with XXXX I was told the account was back with the original creditor XXXX. I have looked at my report countless times and nothing shows this account to be accurate, true or that it my account. This error and Item in question on my report made by all parties involved including Experian is on my repoert.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I learned through social media that Equifax mishandled my information which led to a security breach -- putting myself and 143 million others at risk of identity theft. It has been roughly one month since the breach occurred, and I was not notified by Equifax in any way ( e.g., mail, email, phone ). Learning of this breach has cost me several hours, personal distress, and likely my money as I plan to pay the dues required to freeze my files to protect myself from Equifax 's breach.
Product: Debt collection

This company did not verify debt, They put the report on my credit and wiil not remove or give me paperwork to verify that they own the debt
Product: Checking or savings account

Ive been paying my rent through an app called XXXX since XXXX using my chime card so they can see several transactions to XXXX from my account on XX/XX/XXXX. XXXX had a nationwide glitch and they double charged. Everybody so then returned the second charge so they put the deposit back into my account And chime is saying its suspicious activity. You can clearly see on my statements that Ive been dealing with ZRent several times so Im not understanding what the issue is they wont give me my money back they wont help me. I have sent proof who I am I have sent proof showing them that you had a glitch. I have sent text messages between me and my landlord that verified that there was an issue. They double charged him too. I dont understand how and why they can get away with this, its outrageous
Product: Debt collection

Jefferson capital systems Balance {$260.00} I have no knowledge of this account Ive tried disputing this matter after looking into my credit report still no help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX with Comenity Bank advertises two introductory offers, a {$50.00} store code and a free game ( up to {$75.00} ) when you spend {$500.00} within the first 60 days outside of Sony 's store/website. I applied for this credit card on XX/XX/XXXX last year, the weekend after XXXX, and I activated this card on XXXX when I received it in the mail. I immediately started using the card on XXXX and made {$500.00} of purchases outside Sony 's store/website by XX/XX/XXXX. I first contacted XXXX XXXX ' customer service on XX/XX/XXXX about not receiving either of the $ XXXX {$75.00} introductory offers. I called them back later that week because I never received any email confirmation from having contacting them the first time on XX/XX/XXXX. They generated a case # XXXX and escalated it at this time ( approx XX/XX/XXXX ). I called them back on XXXX and again on XXXX asking for updates, but they have not been able to provide me with any update other than that they are aware of some kind of issue where some customers may not be receiving their store codes/introductory offers, and to keep waiting. They are giving me the runaround ; I should have received these introductory offers months ago.
Product: Money transfer, virtual currency, or money service

In XXXX and XXXX : I used Zelle pay my landlord and there was a time when she wasn't receiving my payments but the money was being taken out. I called to have the problem solved, and it eventually was, but not before my account was overcharged through XXXX banking. This caused severe monetary strain and mental duress.
Product: Checking or savings account

I have several over drafts fees for {$35.00} dollars or more and if its not paid in a timely manner they will continue tag on an extra {$35.00} which sometimes make it hard to pay the full amount. It will go from - {$35.00} to - {$70.00} with in a week. Times are getting hard and yes sometimes we as the people make mistakes but the bank is already charging a {$14.00} balance a month for holding your money. Its a lot worth Wells Fargo.
Product: Credit card

I'm XXXX XXXX. 

I'm currently having trouble with my account. I have two credit cards from bank of America ( travel reward card and customized cash back card ). 

I then traveled to my home country of XXXX XXXX for a lengthy vacation ( I'm still there right now ). I used them a few times without issues, but there were two transactions on each card that were declined and they asked that I call them to resolve it and and unlock the cards. 

I called them multiple times and verified all my data. The person on the phone asked that they send a code to my phone so that they could lift the restriction so I gave them my phone number but he said that for some reason their system doesn't want to send the code to my phone. This happened a few times that I call, despite getting frequent messages with codes to my phone number. They asked for another phone number, which I provided but also was not able to send the code. 


Now I'm being asked -or rather forced- to visit a financial center in person. Unfortunately I'm in XXXX XXXX for a lengthy period and can not do it at the moment. I'm in a really tough situation. It is odd why they system doesn't want to verify me remote, why can I not verify by meeting virtually? ( video or otherwise ). 

When I try to book a telephone appointment with a financial advisor, there are no appointment available on their system at all.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed that my credit score dropped significantly by XXXX points. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I found several discrepancies that may have caused this issue. Specifically, my report contains an incorrect address, showing " XXXX XXXX XXXX XXXX, PA, '' instead of my actual address in XXXX, NJ. Additionally, there are XXXX hard inquiries, including multiple entries from XXXX XXXX and XXXX XXXX XXXX, which I do not recognize and believe to be inaccurate or fraudulent. 

There are also issues with the account information for XXXX XXXX XXXX XXXX, XXXX XXXX ( with duplicate and inconsistent entries for XXXX accounts ), XXXX XXXX, and XXXXDept of ED , all of which show discrepancies in payment history, account status, and balances. 

I have requested an investigation into these matters and asked the credit bureaus to update my records and remove any inaccuracies.
Product: Bank account or service

In 2012 Bank Of America refused to close my accounts or issue an order to stop payment, or accept my fraud complaint. They kept my accounts open and continued to allow my accounts to be charged, and charge me overdraft fees, thus causing undue stress and issues. My accounts were added funds which I wanted to reverse from XXXX loan companies, online source. They refused to help me with anything and I refused to continually add funds to my accounts until they fixed.
Product: Money transfer, virtual currency, or money service

So for the last 4 years they have held on to money in my cash app account and then when I filed the complaint with you they sent me an email immediately saying they were going to reimburse my money however as soon as you close the complaint they stopped responding to me and I have yet to receive any reimbursement
Product: Credit reporting or other personal consumer reports

See attached documents. 
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report as listed below. Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal laws, I demand the immediate deletion of the following accounts due to violations of my consumer rights. 
1. Late Payments Violation of 15 USC 1666b & 15 USC 1681i XXXX XXXX ( 90 days late ) XXXX XXXX XXXX ( 90 days late ) XXXXXXXX XXXX XXXX. ( reported past due balance ) According to 15 USC 1666b, payments must be promptly credited, and per 15 USC 1681i, inaccurate information must be corrected or deleted if it can not be verified. These late payments must be removed as they are erroneous and unverifiable.

2. Collections Violation of 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681s-2 ( A ), 15 USC 1681e ( b XXXX XXXX XXXX XXXX ( XXXX XXXX {$2700.00} ) Collection Account ( balance : {$2700.00} ) Under 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and complete validation. 15 USC 1681s-2 ( A ) prohibits the reporting of inaccurate data by furnishers, and 15 USC 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy. Since these collection accounts were not properly validated, they must be removed.

3. Charge-Offs Violation of 15 USC 1681i , 15 USC 1681s-2 , 1099-C XXXX ( charged off as bad debt, balance : {$2800.00} ) According to 15 USC 1681i, charge-offs must be removed if they can not be verified. Under IRS regulation 1099-C, a charged-off debt that has been canceled or forgiven must be reported as income and removed from the credit report. If this debt was sold, it can no longer be legally reported by the original creditor.

4. Repossession Violation of 15 USC 1681i, 15 USC 1681s-2, UCC 9 Part 6 XXXX XXXX ( repossession status, 90 days late ) Under UCC 9 Part 6, proper procedures must be followed in the repossession process. 15 USC 1681i and 1681s-2require furnishers to ensure data accuracy. Since this account was improperly reported, it must be deleted.

5. Hard Inquiries Violation of 15 USC 1681b ( 2 ), 15 USC 1681q, 15 USC 1681c-2 I demand the deletion of any unauthorized inquiries under 15 USC 1681b ( 2 ) ( lack of permissible purpose ), 15 USC 1681q ( obtaining credit information under false pretenses ), and 15 USC 1681c-2 ( identity theft protection ).

Request for Immediate Action In accordance with 15 USC 1681i, you are required to conduct a proper investigation within 30 days. If these items can not be verified, they must be deleted immediately. Failure to comply will result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages under 15 USC 1681n and 1681o.

Please provide me with an updated credit report reflecting these deletions. I expect a response within the required 30-day timeframe. I have attached my identity theft criminal compliant FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my credit report. These items i need deleted have been enclosed within the report. My identity was stolen an I'm a victim of identity theft, an did not authorize these charges. Please delete these charges as soon as possible.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report from XXXX XXXX XXXX Credit Acceptance Corp XXXX and XXXX XXXX XXXX If you look at the dates these account were opened I was incarcerated in the XXXX XXXX XXXX. From XXXX until XXXX. Documentation will be uploaded
Product: Credit reporting or other personal consumer reports

This items should be deleted effectively immediately as its been told to me by fraud department from consumer reporting agencies. TransUnion Accounts in Question are XXXX XXXX, XXXX : XXXX XXXX  XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am trying to make additional payments towards the principal balance of my loan. 
The loan company continually applies these additional payments towards future payments instead of applying them towards my principal balance. Meaning I am still paying more interest on then principal balance because they are not reducing it the way they are required to. For example I have made my XXXX payment, I want to pay an additional {$750.00} towards the principal balance, they keep applying it towards future principal and interest payments. So it means I dont have a payment due until XXXX. 
This is the second month running I have had to complain about this. Please do not close this complaint until it is resolved. Just because the company provides a responsse, does not mean the issue is resolved.
Product: Credit card

The card is our citi Costco credit card. Today I went to Costco and the card was denied for payment. Came home, called the Company and was informed that the card account was closed by them. I asked why and they would not tell me why XXXX  one of the Customer service reps asked if I have recently file for bankrupcy and I told him no XXXX then he hungup the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical bill that does not belong to me. Please remove it in its entirety. Additionally, there are inquiries on my credit report in which I did not allow without my permission. Remove that as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account Number XXXX ( 2 XXXX XXXX XXXX XXXX XXXX account number XXXX ( 3 ) XXXX  XXXX  Account number XXXX ( 4 ) Online information service Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have not been properly investigating a inaccurate account on my credit report. They were notified of the issues with this account on my credit report on XX/XX/2022, and I still have not received a response or any resolution. They are stalling and are harming my reputation and violating my privacy in the midst of it all. The following accounts are to be permanently deleted : XXXX XXXX and TRANSUNION never verified that this information was accurate before placing it on my credit report. I have the right to fair and accurate credit reporting pursuant to the FCRA ; this negative inaccurate and unverified information listed on my credit report is exact opposite. XXXX and Transunion was supposed to let me know that this account was going to be reported before it even hit my report and was supposed to give me the opportunity to direct that such information not hit my report. These transaction were not a matter of public knowledge or record and it is an invasion of my privacy which Congress says that I have a right to. Congress also says that they only have 30 days and it has been well over 30 days and I have not received any response. Pursuant to 15 USC 1681i, I want a description of the investigation procedure that took place as it relates to the above-mentioned accounts ; who did you all speak with, what are their addresses, what was asked, what was said, and when did this take place?
Product: Debt collection

I contacted LVNV Funding LLC in writing on a letter dated XXXX/XXXX/XXXX that was delivered via certified mail on XXXX/XXXX/XXXX. I requested validation of a debt in the amount of {$410.00} that LVNV Funding LLC is currently reporting to all three major credit bureaus ( XXXX, XXXX, & XXXX ), as per my right and according to the FDCPA section XXXX. Validation of debts. I have not received a response from LVNV Funding as  of today XXXX/XXXX/XXXX. Per the FDCPA XXXX XXXX. Validation of debts and as stated in my letter, LVNV Funding LLC has 30 days to respond to my request or this debt must be removed from my credit file. I have attached a copy of my letter and proof of mailing and delivery. LVNV Funding LLC has failed to follow the FDCPA Section XXXX. Validation of debts and I am now demanding that this debt be removed from my credit.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy T have never been late on payments for the account ( Account NameXXXX  ) : ( Account XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLEGED CREDITORS POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the 3 major Credit Bureaus XXXX XXXX, Experian or XXXX ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT ED/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on equifax report the correct address is not on my report and i cant get thru to equifax i try calling no respond the only address should be on my report is XXXX XXXX XXXX XXXX ga XXXX i been living there for 4 years
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 and claims was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has repeatedly allowed offenders to exploit the system, leaving users like me vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.