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

Dear Sir or Madam, I am writing to formally dispute certain inaccurate information contained in my credit report. After a thorough review, I have identified items that I believe are erroneous and potentially in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I refer to the provision under 15 U.S.C. 1681n, which provides that if a credit reporting agency willfully fails to comply with the FCRAs requirements for accurate reporting, a consumer may recover statutory damagesup to {$1000.00} per violation. I am asserting that the inaccuracies found in my report may constitute such willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have reviewed some information on my credit report that shows some inquires that I never authorized. Please delete these fraudulent inquiries XXXX XXXX XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police report.
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 racking these transactions was unfeasible. the CGPB '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. This lack of accountability and transparency is unacceptable and raises serious concers about consumer safety.
Product: Checking or savings account

PNC TAKES overdraft fees after they have thier own way of clearing the purchases. I should have on fee but they keep bouncing my account at 4 fees at a time and I talked to the till I was blue in the face and it just happened again on XX/XX/XXXX thier process is off only the last transaction should have bounced as no now I have 4 fees at {$36.00} each and some of the transactions are keeps than {$5.00} and on 2 occasions {$1.00} and change ... WOW they left me on the side if the road with a dead battery because they need thier bounce fees and that left me stranded BRAVA I could have been killed but my sister who makes over a hundred thousand a year needs to steal my inheritance because gave freely all my life to her and her family so that gives her the right to lie and the world believes her because she throws money at everyone accept me and I am in the street ... WOW XXXX XXXX XXXX I need help in a morally BANKRUPT nation. Please have Mercy on my soul ...
Product: Credit card or prepaid card

Ive noted 2 credit card accounts by Capital One which I have addressed as fraud. I submitted the identity thief report and formal dispute. Capital One sold an account which was opened as a result of identity theft to XXXX XXXX and there's an open credit card that was stolen from my purse several months ago in which fraudulent charges was applied. Surprisingly they have refused to close these accounts and report as card lost or stolen and the other account as fraud
Product: Checking or savings account

I have been blocked from initiating any type of transactions like wires, ach, cashiers checks, and all other electronic electronic transactions without notice due to updating my phone number. Upon calling Capital One bank they say that the " system '' needs to trust the phone number but they don't have a defined time period for that. I am about to miss the window to close on my house due to this issue. Capital One is not providing any resolution and even said that going to the branch in person will not suffice if the system does not " trust '' the phone number. My funds have now been placed in a state of limbo with no time frame attached to a resoultion. None of these terms or conditions were disclosed to me upon account set up or when I initially asked if I could perform wire transfers from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a process of debt consolidation with XXXX XXXX or XXXX 2019. They told me they would run a soft pull on my account since it was not a loan per se, they were just negotiating with my creditors to lower my principal. When I checked my credit report on Transunion on XXXX/XXXX/19 I discovered they had done a hard pull. Transunion said XXXX would have to dispute it to have the hard pull removed so contact them. XXXX said Transunion would have to send them a dispute in order for them to start the process of asking for the hard pull removal. Transunion said no, XXXX must dispute the hard pull and if they refuse my only recourse was to contact the proper authorities ( specifically the police ). XXXX said although it was supposed to be a soft pull, and the hard pull was indeed a mistake, they could not help me until Transunion disputed it with them.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from Tasman Credit Corp and stated I owed a debt to XXXX. I asked the representative for more information and was told they represented Credit Corp Solutions. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe XXXX. My XXXX balance shows XXXX. I believe this to be a scam.
Product: Credit card or prepaid card

Merchant : Stocklabs Dates : XX/XX/2021, XX/XX/2021 Amount per date charged : {$59.00} This dispute was overturned by Goldman Sachs, as they did not review all of the evidence that I had submitted to the agent on the other end. The merchant has an online portal on which they demand that users submit requests. They are not responsive for months, and hence, the subscription keeps getting renewed. They do not leave paper trails, email, or otherwise communications encrypted within their portal. Their website is sketchy at best. This is part of the reason why I discontinued doing business with them.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Product: Debt collection

i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is XXXX years which makes this a time-barred debt.bureaus investment group, llc.XXXX no XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.
Product: Debt collection

A woman called " XXXX '' with direct recovery svc calls me at work and also calls my boss. They leave voice mails for my lawyer to contact them by the end of the day ( scam ). Through an internet search I found others are saying they collect for XXXX. This company attempted scam collections from me previously after I applied for a loan and then changed my mind about 5 years ago. They called for years trying to say I owed them. XXXX, I gave them all my contact information when I applied for the loan. By the time common sense told me to stop the whole thing it was too late. They are scum, illegal loan sharks.
Product: Mortgage

they put me in foreclosure and is still trying to and locked me out of account after bankruptcy on XX/XX/XXXX... so I can't pay for the mortgage and still trying to get a new mortgage to pay them off ....
Product: Student loan

I received an email on XX/XX/XXXX stating, " XXXX, it's tax time - your XXXX tax information is now available! View your 1098-E Now! '' However, I have been unable to view or obtain my 1098-E from EdFinancial. The email directs you to a link to login to their website. I am banned from their website because I am in a Chapter XXXX bankruptcy - they revoke your online account. 

Contacted EdFinancial and was told that since my interest for XXXX was less than {$500.00}, they do not have to, and will not supply me with a 1098-E. That is true, they do not have to. However in years prior to my bankruptcy this form was provided to me and I had less than {$500.00} interest in those years. The only difference is that I am now in bankruptcy. 

The email says my form is available. EdFinancial needs to supply it to me. They are discriminating against me because of my bankruptcy status. 

I need the form, and I will take this matter as far as it takes to obtain it.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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. 

Please Remove Accounts and Inquiries 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
Product: Debt collection

Call from D and A Services XXXX about a personal matter. They are a debt collection service trying to satisfy a debt and the call was recorded. I do n't owe such a debt. Left a message for me to return a call to XXXX. Asked me to verify my last four of SS number and dated of birth. I told them I do n't give out personal information to anyone I do n't know, especially over the phone. Then she attempted to verify my identity by giving me a bogus address. I told them that was n't me or my address and she asked for my address. I told them not to call me anymore. They said they would remove my name from their call list. This was a phishing scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAtionstar are deceptive in practices that resulted in financial harm, alleged compliance violations with abusive mortgage servicing practices, violated the law by increasing permanently modified monthly loan payments
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Affirm for inaccurately reporting a late payment on my account XXXX in XXXXXX/XX/year> when my payments were deferred under the CARES Act due to XXXX. This reporting is not only incorrect but also a direct violation of my rights under federal law-The CARES Act ( Section 4021, Public Law No. 116-136 ). At the time of my deferment, my account was in good standing, and I had never missed a payment. Despite this, Affirm falsely reported a late payment, which has negatively impacted my credit report. 

Furthermore, Affirm has a well-documented history of inaccurate reporting, including unauthorized loans and delinquent accounts, as highlighted in consumer complaints filed with the XXXX XXXX XXXX XXXX XXXX  ) and legal discussions regarding Fair Credit Reporting Act ( FCRA ) violations ( XXXX and XXXX XXXX. Affirms pattern of reporting errors demonstrates a reckless disregard for consumer protection laws. 

I demand the immediate correction of my credit report to reflect a status of Paid as Agreed, Never Late for this account. If Affirm fails to comply, I am prepared to escalate this matter by filing additional complaints with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing legal action for damages under the Fair Credit Reporting Act ( 15 U.S.C. 1681n & 1681o ) for willful and negligent noncompliance.

I have attached supporting documentation, including my payment history, and recent credit reports showing the inaccurate late payment. I expect a response within 30 days, confirming that this error has been corrected.
Product: Credit reporting or other personal consumer reports

I needed to speak with someone to confirm the phone number on my fraud alert due to a creditor stating that the number was missing or invalid when they performed an inquiry. I was able to call XXXX and XXXX to confirm the number. The Experian automated phone system makes it next to impossible to speak to someone. No matter what entries I provided, it could not get to a live person. After trying for about XXXX minutes, I was finally successful only when I entered that I was having a billing problem with my membership. Their website is 95 % marketing for their paid services. They should be available to the consumers whose data they are tracking and accumulating. It should not be that difficulty to speak to someone.
Product: Credit card or prepaid card

I saw an ad that was very prominent on the U.S. Bank website for their new XXXX XXXX XXXX XXXX credit card, offering a bonus of XXXX points ( worth {$250.00} ) for new cardholders who spend {$1000.00} in the first 3 months. So I applied for the card in XX/XX/XXXX, in part because I wanted the bonus. I was approved for the card and received it, and then spent the required amount to earn the bonus. On XX/XX/XXXX, U.S. Bank paid me XXXX points instead of XXXX. I called them and they said I must have mistakenly applied for a different bonus offer and that it's my fault. But there was only one bonus offer for this card, and it was XXXX points, and that's what I applied for. They said they'd have to research it and they'd send me a letter in a few days. I haven't received a letter. I believe they have been deceptive in their marketing. They baited me in with the offer of XXXX points and then switched it to XXXX without my knowing and are making up some fake reason so they won't have to pay me the remaining XXXX points. I have attached a screenshot showing the offer of XXXX points, which is still prominently showing on their website. It is the same ad today as it was when I applied for the card in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting this collection account on my credit report that does not belong to me and it's causing me problems.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a cylinder head truck engine part from XXXX ( Merchant/Seller ) for {$370.00} charged to my Citibank credit card. Merchant 's website advertised the part as completely remanufactured in like new condition by " extremely meticulous quality control process and highest standards '' covered by a 3 year warranty. Merchant did not warn consumers that buyer assumes the risk of defective or nonconforming goods or the cost of shipping or return shipping in the event the goods are defective or nonconforming. On XX/XX/XXXX, I received the engine part by XXXX  shipping. On XX/XX/XXXX, I inspected the part and discovered it was defective and nonconforming because it was partly remanufactured and still dirty with carbon buildup, oil, rust and damaged components. I tried in good faith to resolve the matter with the Merchant several times, but Merchant failed to act. Therefore, on XX/XX/XXXX, I reshipped the defective engine part back to the Merchant using Merchant 's XXXX   return shipping label included with the original shipment. XXXX confirmed Merchant received the return on XX/XX/XXXX. I waited until XX/XX/XXXX for Merchant to process my refund but Merchant refused to issue credit to my Citibank card. On XX/XX/XXXX, I received my Citibank card statement that showed Merchant charged my card in the amount of {$370.00} on XX/XX/XXXX but there was no corresponding credit for the returned engine part. On XX/XX/XXXX, I called Citibank Customer Service to dispute the charge and requested a chargeback because the engine part was defective and had been returned to Merchant. On a recorded phone call, two Citibank dispute experts, XXXX and XXXX, said they would promptly investigate the matter to issue a credit and send me a reply by mail in a couple of days. However, they never replied, so on XX/XX/XXXX, I wrote Citibank a letter to the address specified for disputes ( XXXX  XXXX XXXX XXXX, SD XXXX ) with written request that Citibank chargeback the defective item that I returned to Merchant in XXXX and credit my account for {$370.00}. On XX/XX/XXXX, Citibank called my work to collect the disputed balance of {$370.00}. After several phone transfers, I spoke with XXXX with Citibank Billing Department on a recorded phone call and told her the purchase has been disputed several times with no response from Citibank. XXXX said that Citibank received my written dispute letter on XX/XX/XXXX, that they were still investigating and that they will reply soon by mail. However, to date Citibank has failed to reply to either of my disputes or to issue a credit to my card account even though the defective item was returned to Merchant eight days after I received it. Instead, Citibank has damaged my credit rating by reporting my card account as delinquent to credit bureaus, continuously harasses me with calls to my work to demand payment and has failed to protect my consumer rights for defective goods purchased with a credit card. All the while Citibank has protected the fraudulent Merchant that has received a windfall by having both the item returned to them and keeping the credit card proceeds from the sale!
Product: Debt collection

Received text message from XXXX saying, " XXXX, Hey its XXXX. Please give me a call today when you have a chance. Thanks '' Called the number and spoke to a person name XXXX with " Bryant, Hodge & Associates '' about a payday loan from XX/XX/XXXX for over {$500.00} and offering to settle for only {$200.00}. This offer was due to the multiple attempts to contact me to pay this off. I stated that I have not received such attempts and asked him when. He said that this was sent to his office on XX/XX/XXXX and that a notice was sent to me the same day. He also stated that they have attempted to call me multiple times, but no calls received. This was the only notice that they would have sent me, and that they are not going to waste more money to send me letters if I am not going to respond. He mentioned most people are morally obligated to pay this and stated that I am not legally obligated to pay without proper written notice. He told me that they will continue to call me and I said I have yet to receive one phone call, which we stated you will now and hung up. 
I called back and spoke to " XXXX '' and he asked for my e-mail address to send a notice. I told him legally he has to send me written notice via USPS and he said fine and hung up. 

This is a failure of the following : Falsification of statements Attempts to collect debt not owed, even after over 7 years ) Never received notice of a debt Was never informed when calling that this was an attempt to collect a debt