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

I disputed an account that is not mine. I do not know what it is or where it came from. The company denies everything. They have not tried to help me solve the problem.
Product: Payday loan, title loan, or personal loan

I want to start off by saying Ive been on time with all my payments since I got this loan back in XXXX with advance financial, a loan of {$1000.00} dollars to move into my new home. To start off they never told me about these very high fees I never had a problem with paying the loan on how they explained it to me on top of that they did not tell me every month fees would be different which I did call about early back in XXXX and they said they couldnt do nothing about that! That was a mistake a sales associate made ok fine no problem ... like I said before Ive never had problems paying twice a month the {$100.00} each due on dates 15th and the 30th on top of that Ive been on time every single time and Ive always payed $ XXXX {$50.00} dollars to beat some of the interest fees but what I find very unacceptable is that Ive been paying on top and still no change they are telling me that in 6 months my account has only went down to {$720.00} dollars when my loan was only {$1000.00} is kinda ridiculous! In 6 months Ive paid {$1000.00} and a lil over that i still didnt mind paying if it was at least going down but only {$200.00} dollars down is just a scam! So I called in today to get on and arrangement plan because Im going through some patches in my life, mind you Ive always been on time never had an issue on my end. And she told me they could only hold 15 days and that would make my account balance go back to {$900.00}, I called today XX/XX/2021 first payment missed XX/XX/2021 ... I just think this loan was such a lie and they down so bad on there end to help me out I even offered to pay {$400.00} today and if they can hold the account Ill pay the rest in a week or so but that would put my account back to XXXX $ so I would be throwing all my money away and I dont find this fair not one bit! Im wanting some help and nothing so thats why Im doing this complain to see if there something out of ADVANCE FINANCIAL I can do because its ridiculous how they see people PAY ON TIME and paying more then expected but only {$200.00} off of a {$1000.00} dollar loan I got in XXXX and been paying at least $ XXXX {$300.00} every month is a scam its ridiculous and Im not trying to mess my life or credit over something that is out of my control and its a scam
Product: Debt collection

Transworld services inc. Contacted me and told me I own {$650.00} to a doctor at the University XXXX XXXX XXXX XXXX XXXX I have not been to nor ever visited this place. I have a pay stub that will prove that I was at work XXXX plus miles away during the alleged visit on XXXX XXXX 2016. The woman that contacted me from this debt collector was rude and threatened to ruin my credit. Transworld services inc. called several times and never left a message when I tried to call the number back no one answered and the voicemail option is always full there is no way to contact these people.
Product: Credit reporting or other personal consumer reports

XX/XX/23 and electricity account was opened in my name without my consent
Product: Credit card or prepaid card

On Monday, XX/XX/2019, I received an unsolicited, direct deposit credit card from Netspend. 

I have been unable to reach a live person at the company to cancel this card. 

The telephone numbers on the card ( XXXX, XXXX ) are automated messages for activation only ; and the enclosed literature does not provide anything different. 

I understand, by reading the customer complaints on the Netspend 's web site, that if the card is not activated or goes unused for 90 days, a monthly fee of {$5.00} per month is billed. I would like to avoid this and have this card cancelled. 

Netspend is located at XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit card or prepaid card

I previously applied for a credit card through capital one they denied me only on the basis thati already have a account. Even though I explained it was opened fraudulently and submitted a identity theft report. well today I. submitting attachments of my complaint through cfpb though the credit beaurus that this account is removed from my credit due to it not being my account. I'm asking for a reversal
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Checking or savings account

Bank of America Checking/Savings Impersonating bank representatives to keep account on dark web Mail fraud pertaining to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Checking or savings account

I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/XXXX in both accounts but have not received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong spelling of my name. Time have expired. Not the right address. Some has been charged off. Some one been useing my identity??
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Went to XXXX  and came home XX/XX/24. Well after getting settled and locating all my personal items.. I go look in my account to see if I ever got my taxes. See XXXX balance, move on to the next task. I call the irs to see whats going on with my taxes and they say theyve been deposited back in XXXX. I look back in my account and see the deposit, followed by an instant transfer to a bank account that doesnt belong to me. I call for days trying to report this. Getting a system down message in chatting with the agents multiple times a day they wont take a report over chat. Wont give me another phone number. Nothing. Something like 10 days later, XX/XX/XXXX, I finally get to talk to a rep and file a dispute. She sends me an email so I can send police/identity theft report within 72 hrs. Less than 12 hrs later I get an email that my account has been closed. My balance would be transferred to the instant transfer account ( which may possibly be the one that was used fraudulently ) or mailed by check ( to my address from last year they wont let me change ). A few hours after that, I get a email that my dispute was denied. Before even giving me the opportunity to send in the police/ID theft report!!!! I have been calling and emailing to no avail. Everyone I speak to tells me I need to speak to an escalation member, but theyre never available. So they tell me email the support email. Well, support responds when they feel like it and I have been unsuccessful in them addressing or answering any specific questions/concerns/issues. Its almost like a generic response to anyone. This has been over a month now that Ive been going through this. This is not chump change. This is {$4000.00} were talking. I dont understand what the issue is, I know for a fact the account this money was pulled into does not belong to ME. It should be that simple. I dont know how this even happened as I thought they verified the linked accounts
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information it the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM Experian
Product: Checking or savings account

I tried to link my Capital One checking account with my new checking account XXXX. But Capital One is blocking XXXX from accessing my account even though I provided the correct log in credentials.
Product: Money transfer, virtual currency, or money service

Tried the entire XXXX - XXXX tp contact via phone regarding missing money, account hacked, and no one available to speak wirh to help resolve any and all issues I previously had. Account was locked. Unsble to get my funds. Funds were missing. Being charged unnecessary fees for no services.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns Regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Cell numerous time and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately ban for me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB 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 raise serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC XXXX ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC XXXX ( a ) ( XXXX ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC XXXX and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if all derogatory remarks are not removed from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating " They do not report any bankruptcies to anyone '' so if that is the case hoe did the credit bureaus verify my bankruptcy as 100 % valid. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous of times.

the credit bureaus violated my given rights under 15 USC 1681.

states i have the right to privacy.

accordingly to 15 USC 1681 section 602 A states i have the right to privacy.

according to 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a accont without my written instructions according to 15 USC 1681 s-2 A 1 a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX has report a {$710.00} debt on my credit report. They did not verify any information that I have asked of them showing a contract where I was obligated to pay this debt. I no longer have service with XXXX and I do not owe any debts to XXXX, they have not provided me with any proof of debt and I disputed this information by mail within the 30 days that I received their letter. I do not owe any debts XXXX XXXX XXXX because I received no services to them and I have no obligations with them to try to collect from me.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/2024 to the credit bureaus requesting that the XXXX XXXXXXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

On my XXXX  card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( 7years after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all 3 credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never had cc with Chase there on my XX/XX/XXXXit seems like Chase and XX/XX/XXXX are in couhotes together also on myXX/XX/XXXXXXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XXXX XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 
XXXX XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$840.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnisher 's response, via mail. 
I PREVIOUSLY DISPUTED THESE ACCOUNTS AND ASKED FOR SPECIFICS OF THE COMPLETED INVESTIGATION AND TRANSUNION REFUSED SEND ME THE INFORMATION. I SENT IN A FTC REPORT AND A POLICE REPORT NUMEROUS OF TIMES AND TRANSUNION FAILED TO REMOVE AND PERMANENTLY BLOCK THE ACCOUNTS FROM MY CREDIT FILE WITHIN XXXX BUISNESS DAYS. ALSO THEY REFUSE TO SEND ME THE INFORMATION AND SPECIFICS OF THE INVESTIGATION BECAUSE THE ACCOUNTS ARE INACCURATE. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have absolutely no knowledge as to who this company is that put a collection on my report. This was a past due account with XXXX that I paid in full directly to XXXX. This collection should have never been placed on my report as a collection as it was a delinquent XXXX bill that I paid directly to XXXX on XX/XX/2019.