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

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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 others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to XXXX U.S.C XXXX XXXX XXXX A States I have the noht to XXXX XXXX XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  CREDIT CARD XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX, XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
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 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. leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Received letter stating previous letter was sent ... .I deny such allegations. Also they are attempting to collect for an item that is not being reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove/block the following items below : 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
Product: Debt collection

AFNI is reporting an outstanding debt in the amount of {$110.00} to my credit reports. This alleged amount was previous sold by XXXX to another company ( a BBB complaint was successfully filed against XXXX XXXX XXXX XXXX ), and was illegally sold again to AFNI. To date, I sent a letter to validate this date to AFNI, and there has been no correspondence received from them. 

At no time have I entered into any contractual arrangements with AFNI XXXX. Afni XXXX was aware of a dispute raised electronically through AFNI 's XXXX, XXXX, and XXXX inquires and collection tradeline. 

A XXXX tracked letter was sent to AFNI that this debt is illegal and invalid, and they are still attempting to collect on this illegal debt.
Product: Credit card

My Barclaycard was lost and/or stolen. I requested a new card via voice and via Barclaycard 's online portal. Despite multiple requests, Barclaycard refuses to send a new card.
Product: Checking or savings account

On XX/XX/2024 I contacted USAA as I thought my DC may be compromised. They in turn disabled my DC and said they would ship one out by expedited shipping which still takes 3-5 business days to receive. I have one bank and it's USAA. So since they don't offer options on how we can access our money since they have maybe 6 - 7 brick and mortar buildings nationwide to do person to person transactions. In my case, my debit card was compromised, without another bank to do a bank to bank transfer which would still take 3-5 business days to process I am left without access to the funds in my account which should be considered criminal. They should not be able to limit a customer 's access to their funds by not having options for allowing me access to my funds just because my debit card was potentially compromised, yet they do not have any branches near me. Do not withhold the customers ability to access funds because they have an archaic business approach. They don't even have ATM 's nationwide, what kind of business limit 's its customer 's access to their money. It's asinine. When I brought up all of what I just said, their answer was 'You can transfer fundsXXXX  ( move money to an account with an available debit card, ATM card, checks ) if you know someone you trust to give you the fund 's '. That is an incredibly XXXX  way of telling customers how to access the funds in their USAA account, by finding someone you trust and transfer the money to them. That is borderline XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Product: Debt collection

The company repossessed the vehicle, so they should not be wanting any balances paid.
Product: Vehicle loan or lease

Misapplied payments, missing payments and a false repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be corrected is : XXXX XXXXXXXX
Product: Credit card

i initiated a dispute with cashapp regarding a free trial i signed up for that was advertised as a XXXX XXXX instead the company charged my card XXXX XXXX Cash apps dispute system is faulty and doesn't allow for a genuine dispute to be placed. I accuse cashapp of not conducting a proper investigation a per the fair credit billing act. Please investigate other consumer coomplaints regarding cash app and their disputes
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2019 I requested debt validation for account number XXXX with Portfolio Recovery. I sent my request via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX with the United States Post Office ). Portfolio Recovery received my request XX/XX/2019. 

Portfolio Recovery responded with a generic letter stating that they believe the debt is being reported accurately. However, Portfolio Recovery did not include any documentation that proves that I am the owner of this account. They did not send me anything showing how the amount they are collecting is accurate, there wasnt a contract with my signature. They did not provide me with anything proving that I am the owner of this account. 

I am pretty sure that they are violating the law. You can't just add accounts to peoples credit report with no legal proof that they are the owner of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due
Product: Debt collection

I received a phone call from Halstead Financial claiming to be XXXX XXXX and XXXX regarding a civil complaint on behalf of my sister. The voicemail said that the message was solely intended for XXXX XXXX, who I am not. The voicemail included the last four digits of her social security number.

I called the phone number they left and was berated by the agent for asking questions about why they would have left personal information regarding someone to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.
Product: Credit reporting

XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt.
Product: Debt collection

Submitted a Fraudulent Derogatory Report to Credit Bureau, dropping my Credit Score by over XXXX POINTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried repeatedly to enter disputes on TransUnions digital portal. This was the o only option I felt I had since Ive tried sending supporting documentation by mail and TU denies is has been received. Attached you will find a billing statement dated XX/XX/2021 for XXXX Loan # XXXX. TransUnion is reporting this account as 120 days past due. This billing statement shows the balance and status and paid in full. I want my report updated immediately!
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX.ANY ADVERSE INFORMATION, WHICH APPEARS ON MY CONSUMER REPORT, IS THE RESULT OF THAT XXXX AND I'M SUBMITTING THIS COMPLAINT ON MY OWN BEHALF. 

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR ( 4 ) BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT { 15 U.S.C. 1681c-3 } .MY SELF ATTESTATION FORM IS ATTACHED AND HAS PREVIOUSLY BEEN VERIFIED BY EXPERIAN.ATTACHED IS PROOF FROM EXPERIAN SELF ATTESTATION WAS VERIFIED. PLEASED SEND E-MAIL NOTIFICATION TO XXXX THANK YOU
Product: Credit card

On Approx XX/XX/XXXX, when making a payment online and checking my statement I noticed XXXX XXXX charges of {$90.00} each so I called Citi Bank to file a Fraud claim and I also put a Freeze on my account, they said they would look into it and someone would probably call me if they had any more questions. XX/XX/XXXX I got a call from Citi Bank Fraud Dept and they asked did you make these charges, some reoccurring and target purchases and some other charges which I DID NOT UNDERSTAND ( accent ) also asked If I requested a CREDIT LIMIT RAISE and I said no and then they asked If I put in for a change of address I said NO. I asked how this could be possible being that I put A FREEZE on my account and they said that they issued a new card, I told them I never received a New card. Citi Bank Fraud dept. again said they would look into it then received an email stating that my new payment on XX/XX/XXXX would be {$480.00}. until the investigation is done, which can take up to 45 days. I again called and explained my situation also told them I'm a senior on a fixed income and don't have that kind of money. They basically said too bad you have to pay this amount., until the account is resolved. On their webpage, it states you are NOT responsible for fraud charges. I can not access my account online because I closed the account, so I can not see all the charges
Product: Debt collection

XXXX XXXX  billed the incorrect insurance although they had the correct one but listed it as secondary. They never tried to collect from the correct carrier, XXXX. XXXX then sent me to collections and every month the agency submitted a negative report to the credit bureau. All XXXX had to do was contact me regarding the correct insurance or bill the other insurance that they had on file. The bill was from XX/XX/18 and it was over XXXX. Once I found out about the negative report, I then contacted XXXX where the office manager would not call me back for a week and after I left several messages. I did ask the front desk for the billing dept 's phone # and spoke to someone in billing who reviewed the bill and admitted that they made the error, so they would remove it from collection. I obtained the phone # to the collection agency and confirmed that the bill was removed, but this does not fix the 17 months of negative reporting. I then left another message for the office manager explaining I needed an immediate call back as I was in the process of filing a complaint. The manager called me back and assured me that she would have this removed from my credit report and send me a letter stating such.
Product: Debt collection

Hello, My name is XXXX XXXX. 
Regarding complain ID # XXXX. 
My company gave me the order to terminated for all earning payable on XX/XX/2024. 
Thank you for your intervention. 
I received your responds on XX/XX/2024. So now I understand why I got debt collection. 
On XX/XX/2024 when I received the order from XXXX XXXX XXXX XXXX I saw the address is XXXX XXXX XXXX XXXX, I have never lived there but I have a nephew who lives there, his name is XXXX XXXX. He is the one who file income tax every year for me so he has all my information. I have asked him if he would used my information to apply Discover credit card, he said he doesn't do that. So I don't know and I am not sure who did it. So I have informed you to investigate. 
After I received your responds I know for sure XXXX XXXX did it. Also XXXX that was the phone number he used before. 
He still lives XXXX XXXX XXXX XXXX. 
Please kindly help me clarify this matter. I want him to take responsibility for his actions. Also please advise what should I do. 
Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 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

XX/XX/XXXX XXXX XXXX Called Bank of America ( through the app ) regarding late payments caused by an autopay setup failure for a Bank of America ccredit card. Customer service agent promised that, upon payment, late fees would be refunded and the late payment would not be reported to credit. 

XX/XX/XXXX - Applied to auto insurance with XXXX, and discovered that my credit score was down by XXXX points due to a reported late payment. 

XX/XX/XXXX XXXX - Called Bank Of America ( through the app ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX to XXXX - called several times from numbers from the mobile app and website, could not get connected with an agent. 

XX/XX/XXXX XXXX - Called Bank Of America XXXX XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

Got re-connected, on the same call, to another customer service representative ( an " escalations manager '' named XXXX XXXX who gave the number XXXX to follow-up with ), and again was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX - Called Bank Of America XXXX through XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

This time, however, I also discovered that I didn't actually even get the late fees refunded as promised, but rather, that Bank of America had instead drawn the payment from my checking account twice without authorization - we had only given authorization for a single payment. This was an un-authorized payment of {$220.00} being taken from my checking account by Bank of America, applied to the credit card, putting my current balance on the card at $ XXXX ( i.e. {$210.00} needing refunding ). These payments were taken on XX/XX/XXXX ( {$220.00} ) and XX/XX/XXXX ( {$220.00} ). 

Got re-connected to another customer service representative ( an " escalations manager '' named XXXX XXXX '' ). Again, the customer service representative promised that the forms to fix the issues were filed.
Product: Credit card or prepaid card

during the month of XX/XX/2019 I was employed at XXXX XXXX  on XXXX  XXXX I was given a XXXX XXXX or XXXX XXXX card which I pay roll was deposited onto.somehow I misplaced the card so I returned to work and explained the situation to my boss.he gave me a number to call inorder to receive a new card.now this is where I encountered problems.they would ask me my name along with a physical address and ssi number.then they would ask me when the money get deposited on to the account? I told them two depoists were made during the month of XX/XX/XXXX so why can't you look up my account to see what the amount was..and at point I would be a check was mailed on XX/XX/2019 please allow 10 business days inorder to receive the funds. the total amount is XXXX but as of XX/XX/2019 I haven't received a penny.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, We are a small business XXXX XXXX XXXX XXXX XXXX. 

We had a customer order a bath tub on XX/XX/18 the amount was XXXX We ran the credit card and it was an exact match, the security code and credit card number matched the address we shipped the tub to. 
The tub was delivered on XX/XX/18 to that same address and signed for by the customer. 

In XXXX we received a call from the credit card company stating that the customer did not recognize the transaction. I explained in detail everything about the order and we hung up. 

In XXXX we received a charge back from the credit card company saying the customer did not order the tub. Again we provided all the documents, we showed that the credit card number and security code were an exact match to the address where the tub was delivered and signed for. 


In XXXX the credit card company declined us and sided with the customer. They did say we could take it to arbitration for XXXX-XXXX we said we would be willing to do that .... several weeks later we received a letter stating they declined our attempt to arbitration. 

We have since filed a police report for fraud with our local PD. They say the amount is under the mount that they typically pursue fraud charges. The address has been verified as a legitimate address by the XXXX county PD, it has also been forwarded to the FBI who will keep it on file to watch for more activity. 

This address does show up on a Bad Buyers list with other similar complaints. 

We are attaching supporting doc 's. 

The phone number for Merchant Services XXXX Our Merchant number XXXX The Dispute number XXXX