23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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

On XX/XX/XXXX I certified mailed ( receipt # XXXX XXXX XXXX XXXX XXXX ) and also disputed the XX/XX/XXXX Equifax. I disclosed to Equifax violations of the Fair Credit Report Act. Equifax is supposed to ensure the MAXIMUM POSSIBLE ACCURACY. These accounts violate the following laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

In addition, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Equifax has violated the following accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I noticed a credit card taken off my credit report. I also noticed that the same card that has been taken off my report without my consent is also reporting to all three credit bureaus but, they removed it without knowledge to why there affecting my credit. I have been paying all my credit and it is still below 550 on report although 1 account would not lower my score to that point of a drastic change. I am also have been compromised with emails, and it seems that someone is using or interfering with my identity for some apparent reason. The past 90 days my credit has been paid timely and the banks state there being told to lower my score based on my credit scores that I believe is being compromised deliberately through this computerized system that is able to do fraud acts to consumers since this breach of identity with the credit bureau who was compromised all my scores are below and my cards are being removed even thorough this would have helped my score it seems someone is affecting my credit score to prevent me from moving forward. I would like an investigation. I have six credit cards and one was taken off without no explanation and no one seems to have any idea to why it was deliberately moved. That would change my scores and all the banks have lowered all my credit cards based on whatever is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : XXXX XXXX XXXX XXXX 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 I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX
Product: Debt collection

I am filing this complaint against I.C System In regarding an unauthorized debt that has been placed on my account. I did not authorize any transaction, account, or agreement with this company, yet they have reported a debt to my credit file and/or attempted to collect payment from me.
Product: Money transfer, virtual currency, or money service

I've traveled through XXXX, XXXX, and XXXX, California, United States for years. When I was in XXXX, I knew there was an online currency exchange service as well as a digital wallet called Wise. I registered Wise with my XXXX legal resident status and used Wise for months. 
In XXXX, I moved to XXXX to study and stay here until now. I also changed my residence from Wise to XXXX with my legal documents. 
I plan to come back to XXXX for vacation in XXXX and XXXX. As I will use the XXXX XXXX, I want to reactivate my Wise account for XXXX XXXX and use Wise cards, which is a XXXX function. I tried to change my Wise account back to XXXX, and supplied related documents as Wise required. However, after days of consideration, Wise closed my account without any cause. 
I appealed the decision. Wise required me to offer a legal document to prove my existing address, and I provided a bank statement from XXXX XXXX XXXXXXXX, listing my address in XXXX, which is my now address in Wise. However, Wise replied to me and said the final decision was still to close my account without any reason offered.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX  Account # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX Account # : XXXX XXXX. Late Payments in Payment History XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : 60 Days Late o XXXX : XXXX ( on-time ) XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : 30 Days Late o XXXX : OK ( on-time ) Experian reports incorrect late payments for XX/XX/XXXX ( 60 Days Late ) and XX/XX/XXXX ( 30 Days Late ), while XXXX and XXXX show " OK '' ( on-time ) . This inconsistency indicates possible errors in Experian 's reporting. 
2. High Credit Discrepancy High Credit : o XXXX : {$1200.00} o Experian : {$1200.00} o XXXX : {$0.00} XXXX incorrectly reports the High Credit as {$0.00}, which contradicts the other two bureaus.

3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier " Last Reported Date '' compared to XXXX and Experian, indicating that XXXX 's information XXXX not be up-to-date. 
XXXX. Date Last Active Discrepancy Date Last Active : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX Experian reports an earlier Date Last Active ( XX/XX/XXXX ), while XXXX and XXXX show dates in XXXX. 

I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Money transfer, virtual currency, or money service

Im writing 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 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I used the website Coinbase.com to buy {$1200.00} of Ethereum cryptocurrency. They mistakenly took twice that amount {$2400.00}. I disputed the charge through my bank, Coinbase cancelled the transaction and I got the additional {$1200.00} back. 

Because of this Coinbase had frozen my access to their exchange ( GDAX.com ) where I keep the rest of my money ( about {$5800.00} in Ethereum and Litecoin ) until the situation was resolved. 

The issue that caused this was resolved during the first week of XX/XX/XXXX and I am still locked out of my account. I can't buy/sell/transfer any of this money. 

I have been in contact through phone and email with their support many times and they have simply told me that my case is " escalated. '' This has gone on far too long, especially because the issue that triggered the account lockout as solved over a month ago. 

Can you please help me? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit.

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ) 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 an 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 card or prepaid card

My nephew asked to use my card in XX/XX/2021 to make a one time payment on his XXXX XXXXXXXX XXXX aligners. Apparently when a card is in the system it is setup on autopay and I was not aware of this. I contacted Healthcare Finance Direct with my nephew to ask them to remove my card information. They went on to say they can not remove my card without him adding a new one. He do not have a card to add, so they refused to remove mine. Per the rep I spoke with they could not remove his card without replacing one. They provided a email address of XXXX to request them to remove it. I receive a response from them and they say they can not remove it either. I want my card removed, I do not have an account with them and am not responsible for the payment. 

Name on account : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Telephone # XXXX
Product: Credit reporting or other personal consumer reports

Equifax Credit Agency has repeatedly reported inaccurate information on my credit report. They continually report my name and address wrong. I have submitted many disputes since XX/XX/2022 to have all inaccurate information removed according to FCRA laws and they continue to show wrong names and old addresses on my credit report. There are also credit inquires that should not appear on my credit report according to the Fair Credit Reporting Agency Laws, because this information has not been verified that me as the consumer has applied for these things. They are clearly breaking the law.
Product: Debt collection

I have requested that they remove the account completely from my XXXX, XXXX and XXXX XXXX reports because it has been paid and closed in XX/XX/year>. By them still continuing to report this bad information it is adversely affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX is reporting to three credit bureaus XXXX, XXXX, and Equifax that I owe them a balance of {$590.00} the car was paid off. XX/XX/2018 ( 4 yrs, 7 mos The account was opened XXXX XXXX and XXXX XXXX paid the car off. The car was totaled. The car was paid off in full by XXXX XXXX. There saying Im three years late on payments. XXXX took it off my credit report. They refuse to show where the car was paid off by XXXX XXXX. The {$590.00} they say I owe is fraudulent and not accurate. Theyre trying to take money that I dont owe and wrongfully reporting it to the credit bureaus. Ive never made a late payment. The impact this account is having on my credit report is tremendous is a negative way. I need intervention to remove this from credit report.
Product: Debt collection

Nationwide Recovery Systems did not properly disclose their identity. They did not properly disclose Consumer Rights, not properly disclosing to family members of their consumer rights, leaving a message on a shared voicemail for a family member.

NRS did not provide my details in writing of the debt. NRS has not contacted or sent notice to my address. They did not disclose their identity properly as well.

I have the voicemail NRS left for a family member.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Incorrect Account Type and Reporting Issues The account is listed as a " Loan, '' but XXXX is not a financial institution that issues loans. This misclassification misrepresents the nature of the account and violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Placed for Collection Without Proper Verification The remarks indicate that the account was " Placed for collection '' and " Disputed by consumer, '' yet no validation of debt has been provided. Reporting unverified collection accounts violates 15 U.S.C. 1692g.

Missing Payment Information and Status Discrepancies The account shows no reported payments but lists a balance of {$620.00}, implying missing or inaccurate payment history. This lack of reporting clarity impacts my creditworthiness unfairly. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

CASH APP - I opened new account XXXX for first time under a referral ( with referrer 's code ), linked my unaffiliated bank for first time and sent {$5.00}. For that I was supposed to receive {$5.00} and referrer was to get {$25.00}. Neither happened. Since conditions inducing my signing up were met, I contacted CashApp, but they would not rectify. Under the circumstances, I asked that it promptly remove all my personal information ( including birth date, bank account, phone number, etc. ). It would not. Please help, thank you
Product: Mortgage

Was provided misguidance by customer support. Requested application of payment to principal on XX/XX/2020, was told by agent to make online payment. My payment was misapplied. Customer service refusing to rectify the issue.
Product: Debt collection

Third party Trespassing on a trust with a sold debt attempting to collect with out consent or signed contract Causing financial harm to legal fiction and living man
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$930.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX XXXX XXXX XXXX {$760.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$1200.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunioncustomerservicedepartmentandfrauddepartmentrefusetoremoveunknowninquiriesfrommycreditreport.Theinquiriesthatneedtoberemovedare:XXXXXXXX.XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXXXXXXXXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX.XX/XX/XXXXXXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital One is putting fake information on their website. They have 0 % APR for 15months on purchases and balance transfers. I applied and went I received my card all the information given on website was fraud. My APR said it was 26 % with no and never said anything about the offer they offering which was the 0 % APR for 15months. I called Capital One customer service to see what was going on. Thinking they maybe had done a mistake. To start off they had me on hold for 10mins trying to figure out what happen. Person I was talking to said I apologize and didn't know what else to say. I asked to talk to the manager which she kindly transfer me to their account manager. And again same thing he said was Im sorry, but we have on file is that theres no 0 % APR for 15months. He said it all depends on your credit score, but lies the website says ( if your approved the APR will depend on your credit score never says depending on credit score you'll be eligible for 0 % APR for 15 months. I had to canceled that credit card and take the fact that my credit score will be affected. Who knows what else they are lying about I didn't want to took the risk and canceled.