23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I'm a Military XXXX XXXX. I opened a BestBuy/ CitiBank credit account on XX/XX/XXXX and closed in XX/XX/XXXX. From XXXX to XXXX, I was stationed XXXX on XXXX XXXX ( XXXX ). In XXXX I was informed there was a collection account on my credit report in connection to CitiBank for XXXX XXXX This was surprising because my account had been current, and actually had a + credit of XXXX $ when I requested that it be closed in XX/XX/XXXX. CitiBank has been unprofessional and deliberately uncooperative so far in my attempts to resolve the issue. I have provided my bank statement showing the fully paid account. I have also provided documents that prove that the error was caused by internal accounting, as noted on the bank statement, [ sic ] " Miss-applied payment ''. After promising to investigate the issue, CitiBank has been unresponsive for over 2 months. To make matters worse the account was sent to collections as recent as XX/XX/XXXX. There has never been any purchase with the credit card account in question since XXXX. How does an account that has been inactive for over 3 years, that also had a +100 ( when it was closed in XXXX ), end up being sent to Collections? Furthermore, CitiBank never contacted me by email or phone to notify me about delinquency. They have also failed to validate their claim ( purchase/transaction that created the debt ) despite numerous requests.
Product: Bank account or service

Bank of America has consistently been unwilling to work or resolve my complaints about my account, specifically in regards to overdraft fees. It is because of my overdraft fees that I am unable to keep current on my account, I have incurred hundreds of dollars ( over {$1000.00} ) of fees from the bank from the last year alone while not having a large income by any means. This has left me in a cycle of being short on funds to pay for bills and committed to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and XXXX XXXX XXXX, XXXX,, Pennsylvania, XXXX. I sent the same Billing Error Dispute notice to XXXX XXXX XXXX XXXX authorized signatory, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXX XXXX. 

Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 

My recent Equifax, XXXX, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 

Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXX XXXX XXXX. 

However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. Equifax, XXXX, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount may have change since the date of the dispute notice. Im disputing the most recent amounts reported and furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file 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 these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have a HELOC that`s being serviced by SPECIALIZED LOAN SERVICING LLC XXXX I have never been late for payment and have been paying on time. I recently have a medical issue, and i`m in a financial difficulty. I tried requesting for forbearance of about XXXX so that i can resume normal payment, the company rejected my offer and approved a foreclosure! Attached is the forbearance request they denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries ( also found in the attached documents ) as reported on the Transunion credit report were made without my consent or authorization. I am demanding the immediate removal of ALL inquiries on my credit report that include : Account Review Inquiries Promotional Inquiries Regular Inquiries 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  It is a fact, I, a natural person and Consumer, must be given a chance to direct whether I want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I, the consumer was not given the chance to opt-out of having this reported information not to be reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed immediately.

It is a fact, I, a natural person and Consumer, have reason to believe and do so believe, that this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove ALL inquiries on my credit report that including but are not limited to : Account Review Inquiries Promotional Inquiries Regular Inquiries
Product: Checking or savings account

Chime ( XXXX XXXX  ) is a scam, a bunch of thieves that stole XXXX instant transfers I made XXXX from my XXXX XXXX XXXX XXXX {$35.00} and the other from XXXXXXXX XXXX. {$56.00}. to my Chime Checking account. on XX/XX/year> and XX/XX/year>, respectively. Chime. posted in my account that the transfers were rejected but then the messages vanished shortly after the transfers and they kept my money.. Both XXXX and XXXX XXXX claim they never received the money bank. I ask CFPB to start an investigations on XXXX XXXX to force these professional thieves of Chime to return the money they stole from me NOW. They can't keep money I had to work for. Once I get a fair resolution I will proceed to close my account with Chime. Thank you.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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. 


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 XXXXXXXX has violated my rights. Or list of inquiries 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: Debt collection

MY INSURANCE PAID THIS BILL XX/XX/2017 AND THIS IS NOT SUPPOSE TO BE ON MY ACCOUNT AT ALL AND IT NEED TO BE REMOVED IMMEDIATELY
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) sure to inadequate customer service and unfair practices, which violates the customer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress fire these violations.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

NATIONAL CREDIT SYST Account NumberXXXX Collection Account
Product: Credit reporting, credit repair services, or other personal consumer reports

in Last fewdays i submitted the request of the following fraudulent items to be removed from the Credit report. EXPERIAN : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX XXXX : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting or other personal consumer reports

I was disheartened this afternoon when I discovered unauthorized inquiries on my credit report with no explanation. I regularly check my report, but this time, unexpected discrepancies appeared. Even after refreshing my browser to rule out a glitch, the inquiries remained. I urge that the documents I submitted be reviewed thoroughly so this issue can be resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the current evaluation conducted by the Credit Bureau. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 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 correct : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm retired and I haven't been using credit for a long time due to personal reasons. Due to that, my credit score was relatively low. Because I want to buy a house, I embarked on an approach to improve my credit score and applied for some credit cards and used them for that purpose to improve my credit score. To my satisfaction, after around 2 years, my credit score slowly started to improve to the point that reflected punctuation above 700 points, which made me very happy. Around XX/XX/XXXX, I made an XXXX serving company change from XXXX, XXXX XXXX to XXXX. XXXX alerted me to expect problems with the account because XXXX gets upset and uses to give them problems with the data that they transfer. In XX/XX/XXXX, XXXX updated an account dated XX/XX/XXXX for {$23.00}, which they had never told me about. Also, reported a balance of {$190.00} on XX/XX/XXXX, which they never had told me about before, either. 
Evidently, XXXX submitted those accounts with the evil intention to hurt my credit. TransUnion, without verifying, published the accounts and reduced my score by 90 points.
Product: Debt collection

XX/XX/20 - Received a phone call from number XXXX The woman, XXXX she said her name was, was extremely aggressive almost angry. She said I owed {$300.00} that was overdue and she needed it immediately. TODAY. She referenced her legal department and said I only had that call to make it right before she sent it to legal then onto my credit report. I asked if she was a debt collector and she said no. I asked if the company she was with, Southwest Mediation of Nevada was a debt collector. She said no. I asked who the original creditor was and she said it was XXXX XXXX XXXX XXXX XXXX  XXXX. She told me I had ordered magazines and did not pay for them. She threatened me, saying she had my voice recorded ordering these magazines and that they were going to sue me right away. My account number with them is XXXX. I was very shook up after the call, I was scared and reached out to our family lawyer. He suggested making a formal complaint here. He also suggested I call the original creditor. 

I called XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX They claimed to have sold this debt to Southwest Mediation and that they had sold me magazines and shipped them to XXXX XXXX XXXX in XXXX, Ohio. I have never been to Ohio, I have never lived in Ohio. This is a fraudulent account that they created with apparently my credit card number and voice verification. I checked all my cards and this company is nowhere to be found. I never paid them or initiated an account. I have never spoken to this company. They said there was nothing they could do because they sold the debt to Southwest Mediation and were out of the deal now and that I was on my own. I will also be making a separate claim here against them. 

This is fraud and they are unresponsive to my requests to provide information on the account. Both companies are rude, aggressive and intolerable. Something shady is going on here. Can you please help me?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my Concerns regarding Zelles handling of disputes, Particularly in the light of recent CFPB 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX ) # XXXX, FXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXE XXXX ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXXS XXXX XXXX XXXX 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 instruction.
Product: Credit reporting

I have sent various letters to trans union asking them to verify the chapter XXXX bankruptcy that they are reporting on my credit report with my signature, they keep sending me reports back stating its verified but not stating how, or sending proof that this bankruptcy actually belongs to me I have proof that they have n't verified from the courts because the courts do not verify
Product: Checking or savings account

I got an email about a problem with my Netspend account, but I dont have XXXX.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Product: Student loan

I keep on receiving a bill of {$2900.00} for late payments from my IDR. Even though my IDR was recalculated on XX/XX/XXXX with a monthly payment of XXXX. The first recalculation of XXXX was dated XXXX XXXX with a monthly of {$980.00}. This first calculation was incorrectly done by fed loan because they used my old tax form of XXXX which I had uploaded in XXXX that stated that I filed jointly with my husband now ex-husband. And it was used to calculate my 1rst IDR request of XXXX even though I had uploaded my current tax form XXXX which indicated that Im head of household and single. The error was made by fed load not by me. All the current files were uploaded to be reviewed by fed loan, and they failed in doing so. 
This is the timeline of dealing with this issue : XXXX I send my IDR re-certification, including current tax information and paystubs XXXX receive the letter of IDR monthly payment  recalculated of {$980.00} XXXX I make several phone calls to Fed Loan, talked to many different agents. Many without giving me a straight answer or not even knowing how to handle the issue. In between these dates I resend the IDR request on XX/XX/XXXX and include again current tax and paystubs XX/XX/XXXX XXXX I receive again the IDR monthly payment recalculated of {$0.00}. 
XXXX-today- they are saying that my account is pass due and now in severe delinquency XXXX- I email Fed loan about issue. 
XXXX- I receive an email response from Fed loan still saying that I need to pay the amount {$2900.00} because they claim that, were unable to receive a legible paystub from you we were unable to calculate your payment off of your paystub.
Product: Debt collection

I had a XXXX and have had a XXXX XXXX in the past few years. I used a credit card to charge up my medical bills. Now, I am unable to work due to my health and medical bills that have piled up. I get getting harrassing calls and bills from credit agency. 

LVNV funding LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They have team up against me now I keep going to hospital XXXX  out because i cant pay my bills. and now my credit has been damaged because they are reporting i didn't pay my medical bills credit card i use to help me with the medical bills. 

Please help me stop them as i feel XXXX. I cant even ask for a loan to pay off medical bills i have reacked up due to them reporting negative information on my credit report.