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

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

XXXX. I am disputing this account for inaccurate information because XXXX is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case. 
XXXX XXXX Account Number : XXXX XXXX. XXXX is reporting the date of the last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account Number : XXXX XXXX. This account has been deleted from XXXX but somehow it is still being reported by XXXX. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
FIRST XXXX BANK Account Number : XXXX XXXX. Provide me with the date of delinquency that the creditor has provided to you. I am of the belief that the date of delinquency is incorrect and needs to be removed if you can not provide it. 
XXXX XXXX Account Number : XXXX I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Debt collection

I have disputed a duplicate and expired daycare bill with National Recovery Agency and the Credit Bureaus multiple times. They have sent correspondence to me regarding XXXX XXXX  XXXX XXXX. The Date of last activity for the service I had there was XX/XX/2014. They are also reporting this in duplicate on my credit. Same dollar amount listed as owed but two different account numbers. There was only one account with XXXX XXXX  XXXX. The location has closed years ago and I have not been able to get in touch with anyone from there regarding this. The service and payment breakdown that XXXX XXXX sent me clearly states that the date of last activity/payment was on XX/XX/2014, yet the front of their letter states that the last service date was XX/XX/2014. The dates on my credit report also do not reflect a proper date of last activity. 

National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I wanted to lift a credit freeze I placed with Equifax so that I could order digital tax transcripts from the IRS. This requires the IRS to perform an identity check using my credit history. I found out then that Equifax has changed their process from PIN-based to user account based. I attempted to create a myEquifax account, but I was met with an error message stating that Equifax is unable to verify my identity and the I would receive a special code through the mail. 

About 2 weeks later, I received a letter with the verification pin from Equifax and attempted to create an account again. However, after submitting my information and the verification pin, the my.equifax.com website displayed a message saying that my registration is not possible to complete and that I should call their customer support at XXXX. I did that and a representative told me that she was unable to verify my identity and requested that I mail them a letter describing my problem and my personal information along with a copy of my driver 's license. 

I sent the letter along with a copy of my license on XX/XX/XXXX. I had not received a reply by XX/XX/XXXX, so I decided to send a follow up letter ( along with copy of license ) that day. I mailed both letters to the address the phone support specialist told me and that I verified online : Equifax Customer Service, Equifax Inc, XXXX XXXX XXXX, XXXX, GA XXXX. Today is XX/XX/XXXX and I have not received a response to either letter. 

Due this problem, I am unable to lift the credit freeze I placed on my credit history in XXXX. This has inconvenienced me so far by : - being unable to verify my identity with the IRS and request digital copies of my tax transcripts. 

However, this will create bigger problems for me in the future, such as : - inability to pass a credit check for renting an apartment. 
- inability to pass a credit check for purchasing a new car or house. 
- inability to verify my identity with other government agencies, eg. USCIS. 
- inability to sign up for a new credit card. 

To that end, this issue can create a number of difficulties in my life and that of my family. Unfortunately, I have exhausted the ways that Equifax makes available to get support with their product and I am forced to lodge this complaint with you, the CFPB.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 in Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible, and that 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 or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I purchased show tickets from XXXX using affirms payment Loan ID XXXX. I immediately canceled the tickets and was issued a refund. On XX/XX/XXXX I received a notification on the app that a refund was issued on XXXX On XXXX I got notice from Affirm the loan was finalized and payments would start being deducted. The charges were already canceled by XXXX but Affirm is attempting to still charge me for the loan On XX/XX/XXXX I made a purchase on XXXX XXXX ID XXXX. and also immediately canceled services. They confirmed the services were canceled and a refund was issued. Affirm still has the loan as merchant processing and it has been almost XXXX weeks They continue to bill me for refunded or canceled services/items and never look into the issue as I have had this issue with them so many times
Product: Money transfer, virtual currency, or money service

I am a customer of XXXX ( a division of PayPal ), XXXX user ID @ XXXX and email XXXX and have received multiple payments via XXXX successfully over the last year from people I know outside of XXXX. 

Recently I received payments on XXXX on XX/XX/2019 ( {$700.00} from one person a close friend and payments totalling {$7000.00} from a second person I know but not a close friend ) I was misleadingly informed my XXXX by in-app notifications and by email pronouncements that these payments were cleared, that I had been paid and money was in my XXXX account. I therefore went ahead and withdrew the said amounts to my bank account. I was further provided notifications that the transfer out of my money which was in my XXXX account, to my bank account was in progress. ( The payment was to share costs of a hospitality package for an expensive music festival that was in progress over the following few days ). 

4 days later on XX/XX/XXXX I was sent a notice by XXXX that the account was " frozen and transactions reversed ''. No details WHATSOEVER were provided and no one was reachable by phone for a further 24 hrs till XX/XX/XXXX. After multiple emails and phone calls it took a further 4 days till XX/XX/XXXX till before I was even informed of even the most basic details ... which transactions were reversed. This was after many rounds of phone calls and emails, including threatening to go to my US Senator and to the CFPB!! I have transcripts of all email conversations .... just to identify how much of my money was being held..and which transaction/s were affected! 

Finally a week after the original transactions I was told that the {$700.00} payment was being held for 180 days and the payments totaling {$7000.00} reversed to the originator. This was almost a week after XXXX informed me I had been paid misleadingly. The payer of the {$7000.00} is unreachable to pay again and now I am left with a {$7000.00} loss due to XXXX 's totally misleading emails and in app displays on payment, money availability and bank withdrawals. ( Furthermore, the {$700.00} payment is being held for $ 180 days. That is a non issue as long as at 180 days it is released as promised. ). 

Please investigate XXXX 's business practices and customer service availability and misleading notifications about being paid and funds availability which has led me to losing {$7000.00}. This is a HUGE loss for me as an individual relying on XXXX. 

Transaction receipts and notifications are provide and have copies of all email exchanges too demosntrating XXXX 's negligent and unsafe business practices.
Product: Debt collection

Portfolio Recover reps call like clock work every month and every month I tell them to stop calling me. They tell me they will NOT until I provide payment of the debt, even though I told them over and over that I will be filing bankruptcy. I block the number they call from and then it 's a new phone number they call from the next month and then they start all over again. They always tell me they will not stop calling until I pay even though I tell them I am reporting them for harassing me. I have filed reports in the past to Do not call.gov but nothing ever happens.
Product: Money transfer, virtual currency, or money service

I wired {$4500.00} from my chase account to XXXX for my XXXX XXXX investment account. I was also charged a {$25.00} wire fee which was refunded. Again I sent money from XXXX to XXXX through XXXX wire with a reference number XXXX I sent it to XXXX XXXX XXXX account number ending in XXXX. I dont see this number in the confirmation ledger. ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX : XXXX XXXX XXXX NY XXXX XXXX REF : FROM XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX : XXXX TRN : XXXX XX/XX/11 When i call XXXX XXXX they say they dont see it in the que and they cant find it for the last 3 days. Chase finally put in a recall after me calling 100 of times one person a supervisor said its completed its lost and hung up. This is not right. THIS IS A FEDERAL WIRE THAT INSTRUCTIONS WERE SENT PERFECTLY. 

THIS IS A VIOLATION OF MY CIVIL RIGHTS I CAN NOT EVEN WIRE MONEY LIKE EVERY OTHER AMERICAN AND NOT HAVE ANY PROBLEMS I AM A XXXX VETERAN AND THIS IS A VIOLATION OF MANY MANY MANY MANY MANY FEDERAL LAWS HELP ME GET ME MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing 30-day delinquency reported to Credit Bureaus. 
- Citibank website 's Auto-Pay did not work and as a result, payment was not made. 
- As I do with all my cards, when I get a new card, I go online and set up auto-pay for the min amount, though I typically pay the full amount, this is a just in case measure. For some reason, the new Citi Mastercard auto-pay did not work for XX/XX/2020 and it went past due. When I found out, I immediately went online and paid in full and reset the auto-pay. 
- This was back in XX/XX/2020, I am an essential employee in telecom and due to the crisis, my responsibilities required me to work 60+ hour weeks. While I would normally double-check all my banking accounts, I did not do that during XX/XX/2020. 
- I called Citi and spoke to Supervisor Agent XXXX ( XXXX ) explained the situation and and was referred to the Citibank Credit Bureau Department. 
- Through a series of postal corresponded beginning on XX/XX/XXXX, and XX/XX/2020, I explained the situation to the Citibank Credit Bureau Department. 
- On XX/XX/2020 I received a letter from them saying : " The above account was removed from credit report because the account was part of brand conversion ... Please allow 30 days for ( credit bureaus ) update their files. " - As of this date XX/XX/2020, this info still shows up on my credit report. I called Citi and spoke to Supervisor Agent XXXX ( XXXX ). He says the reporting is correct but will refer it back to Citibank Credit Bureau Department I have been a Citibank customer for ( a previous card ) for many years. Up until this incident I have had an exceptional payment history. The disputed amount for that month was only {$140.00}, since Citibank had access to my checking account there should have no problem in paying full amount that month and not having to blemish my credit report. If for example, I had mailed a check to Citibank and they lost it, it would not be proper for them to report a late payment to XXXX? 
I hope there is something that the CFPB can do to help me with this situation. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. 
I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured.XX/XX/XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XX/XX/XXXX
Product: Prepaid card

When I put in my card information, it stops me at the point where I put in the expiration date. It will not let me get any farther no matter what I do. When I call the phone number they will not respond. 
I have two cards, one for {$60.00} and one for {$20.00}. Both are XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Checking or savings account

On XX/XX/ I made an online Bill pay through my Bank ( PNC ) for a payment to my Mortgage company XXXX XXXX. I accidentally made a duplicate payment the following day on XX/XX/XXXX for the same amount of {$2800.00}. As I caught this error, I spoke with PNC to cancel the 2nd payment. While PNC reached out to XXXX XXXX to cancel 2nd payment, XXXX XXXX cancelled both payments and sent the funds back to PNC. Since PNC did not request the first funds back, they show that a payment was made on my behalf. The information above took until XX/XX/ to share this with me. While on a conference call with XX/XX/XXXX, PNC, and PNC 's 3rd party payer ( XXXX   ), it was shared that XXXX was in possession of these funds. I was asked, how I wished to proceed and the options where to send money back to XXXX XXXX which should take 2 days to post to my account or send back to me which could take upto 2 weeks. I chose to have the funds sent directly to XXXX XXXX. Since this call, I can share with you that these same funds are lost again. PNC/XXXX is claiming the funds were sent and XXXX XXXX has no receipt of these funds. I believe I have given both banking institutions more than adequate amount of time to conduct the research needed to bring this case to a close. Any assistance you can provide to help locate these funds would be much appreciated.
Product: Checking or savings account

I have a joint checking account with my sister at Well Fargo, I am the primary account holder. My sister was scammed on XX/XX/XXXX and {$2800.00} was taken from our joint. I called the bank and asked why I was not informed that someone was transferring funds from my account and was told they only needed one person on the account to confirm. I was under the assumption that both parties would need to allow the transfer. Thank you.
Product: Vehicle loan or lease

PNC bank took over my original auto loan from BBVA Compass bank. I paid this loan off over XXXX years ago but because I moved states I never got the title in the mail. They told me I could not update the address for them to send a title to my new state and address. After working on this a third time they told me to go to a website XXXX to process the lien hold. I attempted to do this and continue to get an error message that there is not a payoff indicator for the vehicle but again I paid this loan off years ago. I need help resolving this and getting PNC to take action.
Product: Checking or savings account

I believe a fraudulent account through the Albert financial app has been opened in my name using my social security number. 

On XX/XX/27, I received an email thanking me for signing up for " XXXX XXXX, '' which I never signed up for. 

I tried to email Albert to say that this account was fraudulent, but they responded that I had to log into the app to receive any help. 

Then, I subsequently received an email with a pre-filled direct deposit form, with " my '' alleged signature, and an old address I used to live at. 

When I tried to download the app to reset the password and get help, I could not log in without giving my social security number.
Product: Credit card

I have a Best Buy credit card which I setup with auto-pay when I opened the card several years ago. However, I hadn't used the card for some time prior to making a purchase about two months ago. Unbeknownst to me and without any prior written warning - Citi turned OFF my auto-pay and today tried to slap me with a {$30.00} late fee. 

They reversed the charge when I called them directly but more concerning is that the Citi rep : a. ) Couldn't tell me what exactly the 'idle ' time was on the card before Citi decided to turn off auto-pay. 
b. ) Couldn't tell me why no communication was provided for this 'feature ' of the card. 

This seems extremely predatory- and the likelihood that many consumers just pay the late fee is probably quite high - making the whole process seem like a violation of UDAAP Section 3. I also wonder if there is some loophole for 'Loyalty " cards that allows them to do this - because I have several other cards, both from Citi XXXX XXXX XXXX XXXX XXXX XXXX that have never had the auto-pay simply get turned off without warning because I haven't been using them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$4000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit card

I purchased roofing supplies on XXXX shipped via XXXX The packages were delivered to wrong address. I opened a dispute and upon completion of investigation I received a letter with a photograph of house products were delivered too. It was not my home, which i informed them of this and was told I would be liable. Fortunately several weeks after expected delivery the ederly non English speaking neighbors for which my packages were delivered sent one of their children over when he came for a visit. I had to go pick them up resulting in injury. For litigation purposes XXXX is requesting this letter. I have made 4 attempts since XX/XX/XXXX requesting this letter and also attempted to retrieve it online. Dispute number is XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to XXXX XXXX XXXX - Billing Error, corrections should be made.