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

I am writing to formally dispute a billing error on my account as permitted under the Fair Credit Billing Act. I recently reviewed my billing statement dated XX/XX/XXXX, and I noticed the following discrepancies : Description of the Dispute : COLLECTION AGENCY/ATTORNEY On XX/XX/XXXX, I was charged {$6600.00} for a transaction from XXXX XXXX XXXX which I did not authorize. 

Under the Fair Credit Billing Act, I have the right to dispute this charge and request an investigation into this matter. I request that you correct this billing error promptly. 

Please investigate this matter and if you find that the charge was made in error, I expect a prompt correction on my credit report. 

Thank you for your attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

**Subject : Formal Complaint Against Equifax for Civil Liability Neglect Under 15 U.S.C . 1681** To Whom It May Concern, I am submitting this complaint against **Equifax Information Services LLC** for its **failure to comply with the Fair Credit Reporting Act ( FCRA ) **, which has resulted in financial harm and undue stress. Despite my efforts to dispute inaccuracies on my credit report, Equifax has **failed to take proper corrective action, violating its legal obligations under 15 U.S.C. 1681**. 

# # # **Details of the Complaint : ** 1. **Failure to Correct Inaccurate Information** I have disputed multiple errors on my credit report, yet Equifax has failed to remove or properly update these inaccuracies. 
2. **Negligence in Reinvestigation** Under **15 U.S.C. 1681i**, Equifax is required to conduct a reasonable reinvestigation of disputed information within 30 days. However, my disputes have been **ignored or inadequately addressed**. 
3. **Resulting Harm** Due to Equifaxs negligence, I have suffered **financial losses**, including denied credit applications, increased interest rates, and damage to my credit score. 

# # # **Requested Resolution : ** I am requesting that the **CFPB take immediate action to investigate Equifaxs noncompliance with the FCRA** and enforce the following corrective actions : - **Require Equifax to correct or remove the disputed inaccuracies. ** - **Ensure that Equifax complies with the FCRAs reinvestigation requirements. ** - **Hold Equifax accountable for any damages caused by their negligence. ** I have attached relevant documents, including my dispute letters and Equifaxs responses ( if any ), to support my complaint. I urge the CFPB to take swift action to **ensure Equifax adheres to federal consumer protection laws** and prevents further harm to consumers like myself. 

Please confirm receipt of this complaint and keep me informed of any updates regarding this matter. I appreciate your time and assistance in holding Equifax accountable. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX. I have already notified this bureau several times that I was recently a victim of identity fraud. I let equifax know and I disputed the accounts that were fraudulently reported to my credit and Equifax has not taken action to remove these accounts. I have provided all the necessary documents and they have still violated the FCRA 605 B AND 611
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submittign this CFPB Complaint you today to inform you I that I am a victim of identity theft. I researched on how to remove the fraudulent accounts ad information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Today XX/XX/year> around XXXX EST I was notified that my account is restricted. I immediately called & during the call I was asked a few questions about a check I deposited on XX/XX/XXXX. I had explained how O had already called earlier that day because I was notified that the check cleared but when I logged in I saw the funds were reduced from my balance not added. I proceeded to respond to all the questions promptly & asked when can I expect an update or for the restriction to be lifted. I was told there is no time frame at all, that I successfully responded the questions & it would be submitted for review but no time frame. I proceeded to ask if it was logic to provide no time frame, i have no access to my funds. I asked if it is normal to just wait & if it could take weeks, months or days, the agent responded again that they cant provide any time frame the answers would be submitted & that if could take months or weeks. I promptly provided all the information requested & just want to clear the issue & have access to my account & money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything, I tried everywhere, I still see no results. I am a victim of the XXXX data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. Have no knowledge of them. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

I am writing in regards to the closure of my checking and savings accounts due to alleged fraud on the associated checking account. To the best of my knowledge, no investigation has been conducted in this matter. 

Subsequent to my inquiry about the case, the funds within the checking account were mailed to me. However, I have not received any updates on the savings account despite receiving a mail stating a balance of {$500.00}. 

I have made multiple attempts to contact the bank for clarification on the matter but have not received a satisfactory response. I would greatly appreciate your prompt assistance in resolving this issue and retrieving the funds from my savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, I notified XXXX credit report bureau regarding, why my car loan payment, was not being recorded no more and they advise me to notified my lender XXXX XXXX XXXX XXXX in XXXX XXXXAnd I did that, but after the dispute for some strange reason they deleted my file do to the dispute rended, my credit score fell by XXXX points even thou i ve being paying my car loan for the past 2 years on time and it was being recorded every month.Now my credit score fell to XXXX from XXXX, I never aspked the lender to delete my file, they accused me that my dispute cause them to delete my file very rude people, advise me to get a credit advisor .I 'm still making on time payments they refuse to reinstate my file need your help on this thanks
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed inquiries that I have no knowledge of
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices which violate the CFPA. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute regulation process was unfair and deceptive as they did not comply with error resolution requirements under the ETFA and Regulation E. These actions caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reconciling my bank account. I noticed a monthly recurring transaction in the amount of {$50.00} and a vague description of Check # xxxxxxxxxx which I did not authorize. The charge started in XX/XX/2019. This prompted me to contact my bank ( XXXX ) requesting if they had additional information regarding this charge because there is no description or identifier of the merchants name deducting monies from my account. XXXX provided a description for XXXX XXXX. I submitted an inquiry to the merchant and waiting on a response.
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX account charged Pay Pal {$7.00} for a one month 's subscription. On XX/XX/XXXX I checked my Paypal online and saw two charges for {$7.00} dated XX/XX/XXXX. I called XXXX and they told me they had only charged my account {$7.00} for one month. Which I verified online. On XX/XX/XXXX I called Paypal. They said it was a statement error and they would fix it. I subsequently call Paypal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told to submit a dispute resolution. On XX/XX/XXXX I submitted a dispute resolution on the Paypal system, but the system didn't really allow for an adequate description of my problem. On XX/XX/XXXX, I received an email from XXXX telling me they were cancelling my subscription and Paypal online showed a reversal of the {$7.00} charge, as did my XXXX account. This occurred because paypal sent my dispute to XXXX. 
Nevertheless, the second charge for {$7.00} still showed on my on line Paypal statement. It was not a XXXX charge and I felt paypal was in error. I tried to resolve it with Paypal with calls on XX/XX/XXXX and XX/XX/XXXX. Very frustrating, since I feel that the customer people are tone deaf and can't seem to reconcile or look at activity on statements and what they call PayPal credit. On XX/XX/XXXX I sent a letter to PayPal Billing Disputes and Correspondence, but when they replied, they don't seem to understand the problem. On my letter I specifically asked for copies of the two billings for {$7.00} from XXXX so that I could go back and discuss the issue with XXXX. Paypal did not provide the requested information I needed to follow up with XXXX. They said on a written response dated XX/XX/XXXX that they have resolved the issue, since XXXX credited back the {$7.00}, but that I still owned {$7.00} plus fees and interest. They fail to understand the problem and they fail to provide me with the evidence I requested.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are both reporting an account by the name " XXXX '' on my credit report to be accurate. Which is completely false and misleading and are actually violating my rights. Credit reporting agencies must maintain accurate and complete information. Upon reviewing my credit report, I see that both companies have outdated, incorrect, or incomplete information being reported, such as wrong account statuses, incorrect balances, or mixed information from my credit file. They are in violation by " reporting an account as active when it was voluntarily closed by a consumer and. 
According to the FRCA, all inaccurate information must be corrected or removed from my credit profile. Both companies have chose to keep reporting this in accuracies. They willingly and negligently failed to comply with its obligations under the FCRA. I have beeb denied housing due to this inaccuracy.
Product: Checking or savings account

My fathers bank showed gross negligence in protecting him from their own employee. Simmons bank in XXXX TN had an employee that realized my father was not in a healthy state mentally. After meeting my father and my father immediately adding and removing signers, the Simmons employee became an employee of my fathers. She stole an extensive amount of property and money from my father. My father even filed a lawsuit against the young woman. Simmons never investigated or contacted XXXX with any concerns. The bank president did not show any concern and has los his job at that branch.

The young woman currently works at another bank.

As my fathers previous POA, current personal representative, current executrix to his estate and trustee to his account, I am legally allowed access to ANY of my fathers information including all bank accounts. My father passed on XX/XX/2023. Simmons bank has never given me online access to my fathers ( now closed ) accounts. 
They also filed a complaint against me in XXXX with XXXX and had me investigated for financial elder abuse. I know this because the lead investigator told me. I had EVERYTHING legally in order and already given Simmons everything. They never filed a concern or complaint on their own employee or abnormal activity on his account. I had not even tried to access my fathers account. They falsely reported my actions with no cause.
Product: Money transfer, virtual currency, or money service

I hope to formally express my concerns regarding Zelle 's handling of disputes, in a proper manner, 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 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The Venmo user interface places the " pay '' and " pay recipient '' from the selected account in the exact same touchscreen position, creating opportunities for errors and unauthorized transactions. In my case, the touch interface registered " pay '' and " pay recipient '' from a single touch before I could select which account to use. 

As a result, Venmo withdrew money from my bank account ( without true authorization ) rather than using a preferred credit card. I immediately tried the cancel button, *which did not work*. 

The recipient sent the money back to me in Venmo within minutes, and I initiated a regular bank transfer request to refund the money back into my account on XX/XX/XXXX. I received a message that the transfer would complete on XX/XX/XXXX. 

As of XX/XX/XXXX the transfer has not appeared, so I reached out to Venmo who informed me that the transfer was supposedly initiated on XX/XX/XXXX and that it could take another 5 days from this date for the money to appear. And if the money has not appeared to reach back out in three days. 

At this point, I will have been out {$750.00} for at least one week -- up to possibly two weeks for a single 30-second transaction error brought on by the product 's design / interface. 

I am concerned that the product design of Venmo is specifically intended to facilitate these errors and unauthorized transactions ( especially noting that their cancel button does not respond ) and to drive revenue via their " instant transfer '' feature, which requires a fee. 

The incentives are misaligned to assure a good experience to the consumer.
Product: Money transfer, virtual currency, or money service

After speaking with an attorney who identified himself as XXXX XXXX of XXXX XXXX about an inheritance document ( that was later found to be forged along with death certificates and notarized court documents ) ..I then realized that he stole the identity and letterhead of the actual XXXX XXXX as I called the correct office of the real attorney who I thought I was dealing with. The real XXXX XXXX told me it was not him and I was involved in a scam. Along with the stolen identity of the attorney was another party who pretended to be a bank audit department head ( XXXX XXXX of XXXX XXXX  in the XXXX ) using the exact same letterhead and phone exchange as the real XXXX XXXX   in the XXXX. 
Before I realized all this they had me wire funds ( {$7700.00} on XX/XX/20 and {$31000.00} on XX/XX/20 ) to their so called domestic trust account at M and T Bank at XXXX XXXX XXXX in XXXX MD. The name on this account was XXXX XXXX XXXX and account # XXXX. 
Upon realizing this fraud I went to my bank ( XXXX XXXX  ) and had them order a reverse and stop transfer of fund request and told M & T to investigate these transactions due to fraud but my bank or myself has yet to hear from them. I reported this to the FBI as well as local authorities
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with a collection and inquiries I did not authorize, please delete
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and found that out of all the 3 credit bureaus Experian is the only one not reporting properly my payments on my XXXX  XXXX XXXX credit card endding # XXXX the report fails to reflect my on-time monthly payments since XX/XX/, which has negatively impacted my creditworthiness and potentially violates consumer protection laws! I am attaching the proof of each of the monthly statements. These statements explicitly indicate the payments were made for this specific credit card account. 
This inaccurate reporting has had a detrimental effect on my credit score, making it difficult for me to secure [ Specific financial products or services you are seeking ]. This not only causes inconvenience but also potentially violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Section 1681s-2 of the FCRA requires credit bureaus to ensure the accuracy and completeness of consumer credit reports. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA prohibits the furnishing of inaccurate credit information. Providing incorrect payment history to potential creditors constitutes a violation of this Act.
Product: Credit reporting or other personal consumer reports

My account with COMENITYBANK/VICTORIA was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 1681eb. 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 in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports