23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies all 3 that i sent letters by certified mail to verify all my information on my reports. I ask them to verify All my information, they stated in a return letter that they did. But looking at my credit reports almost all the dates and amounts are different and dont match. I ask them remove an entry about an aprtment that was fraudulently put in my name using my personal information, I lived in my own home from XXXX to XXXX located at XXXX XXXX XXXX XXXX XXXX, TX. XXXX and a Company called XXXX at XXXX in XXXX XXXX, TX. allowed someone to get an apartment in my name, using my personal information. This is wrong!! 
The following information in my credit file is inaccurate still, after they said they verified it. 
XXXX at XXXX - XXXX - XXXX. XXXX - several accounts under my name. 
XXXX XXXX  Acct # XXXX - never had an account with these people, but somehow i owe them {$2900.00} XXXXXXXX XXXX XXXX  - Acct XXXX XXXX Trying to collect {$4100.00} on a fraudulent apartment. 
XXXXXXXX XXXX XXXX  - Acct XXXX- Never had an account with these people! 
XXXX. XXXX XXXX - Paid them in full but they will not changen the info on my reports.
Product: Checking or savings account

On XX/XX/XXXX, I filed a complaint with Citibank because I still have not received my funds from my closed account. 
On Friday, XX/XX/XXXX, I received a response from the bank where it tells me that my check will arrive at the address between 7 to days In the response they send me, they do not inform me of the tracking number and the company through which they sent it.

This information is necessary since they have been with my money for a year and 6 months
Product: Debt collection

Enhanced Recovery Company has a balance of {$930.00} listed on my credit report. However, I was a victim of identity theft in which I never had an account with XXXX and my personal information was sold.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/XXXX, XXXXand noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report, as they were established without my knowledge or consent due to a data breach. This request is made in accordance with 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX. XXXX Account XXXX. XXXX o Opened : XX/XX/XXXX o Balance : {$7600.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX. XXXX o Opened : XX/XX/XXXX o Balance : {$4900.00}
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 {$2500.00}.

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/XXXX and the subsequent response received on XX/XX/XXXX enclosed 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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke to loan XXXX XXXX XXXX at Primary Residential Mortgage regarding the XXXX XXXX XXXX XXXX. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING TWO ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE FOUR LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE TWO ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened two accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.
Product: Credit card or prepaid card

I have a I have had a PayPal prepaid XXXX for approximately the past 3 years. 
I recently got a new phone # and was unable to change it without help and can not sign in to my prepaid XXXX through my Paypal account ; therefore, I can not view my balance, debits, or credits. Basically, I am locked out of PayPal prepaid XXXX. I called prepaid, the agent also was unable to change it. He decided that I should delete my Paypal account and register a new one ; everything the same except the phone number. I did so despite my misgivings. I linked my prepaid XXXX. So far so good. From then on, even though I have transferred funds and paid a bill from prepaid to paypal, I CAN NOT LOG INTO PREPAID AT. ALL. Although it says they are linked it is not. I can sign into PayPal and transfer funds to my XXXX and pay bills from XXXX through PayPal, but I HAVE TO PAY FOR TRANSACTIONS FROM PAYPAL, and do not pay for them when using my prepaid card, AND I. CAN NOT. HAVE. ACCESS. TO. MY. BANK. STATEMENT. I have contacted PayPal prepaid XXXX, they send me over to Paypal.And vice versa. I have enclosed a screenshot of XXXX of many emails from both the companies and a screenshot of error message when trying to log into XXXX account. 
**IMPORTANT** PayPal prepaid has the option to log into the prepaid account ; however, I was never given the option to set up a user name with a password, so essentially I am denied access to my bank statement including balance, debits and credits
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 tracking these transactions was unfeasible. the CFPB 's findings indicate that zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting

I have sent letters and online disputes to remove a public judgement from my credit report with equifax. The judgement has been paid and satisfied without no removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but Synchrony Bank refused to help me.

It is unfortunate, but Synchrony Banks Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While Sunchrony Bank may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.
Product: Student loan

I am a XXXX completing my application for XXXX debt forgiveness. The loans in question are through XXXX XXXX.

XX/XX/XXXX- I received an email confirmation that XXXX had received my XXXX loan forgiveness application. In the email, it says I " should allow up to 10 business days for us to conduct our review '' and that " if we determine that your application is not materially complete, we will send you a letter that specifically advises you of the information/documentation we need to reconsider your application ''.

XX/XX/XXXX- I called to see how processing was going. I was told that my application was done correctly and it was sent to the federal government. I was told to check back in about 90 days.

XX/XX/XXXX- I called to see how the processing was going. I was told that my paperwork was n't done correctly and had n't been sent to the federal government. I completed the paperwork and resubmitted it this same day.

XX/XX/XXXX- I received a notification that my application was sent to the federal government.

I am filing a complaint for three issues on XXXX 's part. 1 ) XXXX  said in writing that I should allow for up to 10 business days to conduct our review. XX/XX/XXXX to XX/XX/XXXX is 93 days. XX/XX/XXXX to XX/XX/XXXX is 92 days. 2 ) I never received " a letter advising me of the information/documentation we need to reconsider your application ''. I was told via phone that this did n't happen because it took so long to process my application. 3 ) On XX/XX/XXXX, I was told via phone that my application was completed correctly and sent to the federal government. This was incorrect. I waited nearly 3 months to check back in because of this.

I understand that I filled out the paperwork incorrectly. This was my fault. It still does not excuse that it took nearly 185 days ( 128 business days ) to process my paperwork. If I allow 10 business days for them to process it, it should have only taken 20 business days. It also does n't excuse them from not mailing me a letter notifying me of how to fix my application once they saw it was done incorrectly. I also was incorrectly told that my application was completed correctly and sent off to the federal government. I only discovered that my application was n't done correctly after taking the initiative to call and check how my application was progressing.

I have filed a complaint. The complaint was denied and I was told I was responsible for all interest accrued. They will be mailing me a letter explaining why the made this decision. I also asked to obtain all of my account notes and a record of my phone communications with them. I was told it would require a subpoena.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the XXXX data breach and may have got into hands of the wrong person.
Product: Checking or savings account

I sent money to the wrong person with XXXX and they couldnt help me
Product: Credit reporting or other personal consumer reports

As stated in the Fair Credit Reporting Act 15 USC 1681 section 602a, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax XXXX and XXXX are consumer reporting agencies, I am the Consumer. I have the right to make sure my private information isn't shared ( backed by 15 USC 6801 which states '' It is policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 'XXXX XXXX XXXX XXXX XXXX financial institution and the Consumer reporting agencies Equifax XXXX nor XXXX have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 'XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. I would also like to add 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX nor XXXX maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of their reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Product: Debt collection

Already making payments toward medical bill. XXXX keeps calling and leaving messages. 

On XX/XX/2024 at XXXX, she called my cell phone and left a message. Less than XXXX minutes later, my coworker hands me the phone saying someone is asking for me, it was XXXX. She acknowledged I am making payments and on a payment plan. 

Today, XX/XX/2024 less than a week later, she called me again and left another message at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. 

My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 1681section 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 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

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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.