23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I inquired about the latest possible date to cancel my American Express Platinum card to avoid being assessed the {$550.00} annual fee. I was originally told that I could cancel the card up to 30 days past the anniversary date of the card. I wanted to use the airport lounge access that comes with the card on an outgoing flight of a trip that was going to occur around the 30 day mark, so I called once again On XX/XX/XXXX to verify what the exact cut-off date was. On this call I was notified that the annual fee would be prorated and returned at any time that I cancelled during the year term. I decided to keep the card for the 2 week duration of my trip to take advantage of the airport lounge access and cancel the card upon my return. When I called to cancel the card, I was told that I was given incorrect information. The customer service department said they would review the call and correct the problem if they could verify that I was given the false information. When they got back to me, they told me that they had no record of the call on the XXXX, only the previous call when the 30 day time frame was given. Further more, they told me that there is no way that a call would be missing from their computer logs. I offered to send them the record from my cell phone or from my cell phone provider that showed the call date, time, and duration. I was told that they would not accept this as evidence that the call took place, and reiterated that there was no way possible that the call could have happened and not been in their system, essentially accusing me of lying about the call. I have attached the screen shot from my phone that shows the record of both calls. I am absolutely astonished that they have handled this is such an unprofessional manner, as they have always provided good service outside of this event.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

2 Private Student Loans via XXXX XXXX Opened XXXX Joint account with XXXX XXXX XXXX of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines. 

Fall Off Date should be XXXX XXXX. 

This is an easy fix.
Product: Mortgage

This is our first month in our new home. My husband has been sending payments to Loan Depot weekly to take some of the sting from the new mortgage payment. 

I received a returned check back, so we called to find out the issue. They applied the first {$1000.00} we sent straight to principal, returned the second {$1000.00}, and are in the process of returning the final {$1500.00} because each payment was less than the {$3500.00} due. 

Now, because of the back and forth, there is a chance our first payment ( which, in total, was sent on time ) will be late and we may be charged over {$100.00} for the late fee. We have to wait until Monday to receive all the funds back, just to send them back again ( by Tuesday ). 

I work in the XXXX XXXX XXXX, so it is news to me that any lender could return funds and not just apply them as received.
Product: Money transfer, virtual currency, or money service

I opened up a PayPal account and got {$200.00} sent to me and 30 minutes after I received my money PayPal put a hold on my money and said Im permanently banned I never did anything wrong and its a brand new account
Product: Credit reporting or other personal consumer reports

A potential creditor ( Mortgage ) company is trying to get my credit report in order to complete a mortgage refinance. Experian is not releasing that information to the mortgage company. I've called and submitted several complaints to no avail. The last representative I spoke with said she doesn't know why she couldn't retrieve my report. She also submitted a referral to some unknown department to look into this issue. 
Its been two weeks and four referrals. Still no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a dispute letter for several accounts to Equifax on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have no received a report or status. Contacted Equifax to day via phone to inquire and ask that they remove disputed items and they refuse, even though they verified receiving my dispute letter. Instead the offered to start another dispute and to completely disregard my initial dispute. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.
Product: Credit reporting

Company name is Condor Capital who was put out of business due to " Illegal Practices Against Customers '' under section 1042 Federal Dodd-Frank Wall Street Reform and Consumer Protection Act against subprime lender XXXX owner of Condor Capital was shut down. This company continues to harass me and is unable to validate the debt they say I owe I sent them a letter and a copy of my drivers license and social security in error and now they are telling the bureaus I owe them the debt with this piece of information. I made a complaint with the BBB which I will attach and you will see their finding are in my favor as well. They are reporting information to all bureaus and I want this removed also not the FTC also on a file on them as well on how the company was shut down and no longer in business. There is another company who is the same company contacting me called Condor Capital Securitization calling me on behalf of this company and I sent them my drivers license and social security in error dumb on my part so now they are using this to say this is their proof of what I mailed to them asking for debt validation they they refuse to supply original signatures they are using the my information I mailed to them ( driver license and Social security ) to validate. I want to see original signatures of this debt.
Product: Credit reporting or other personal consumer reports

I request that the cfpb request that the following accounts be removed from my Experian credit report. For the following reasons. 
1 ) under 15 u.s.c 1681 a creditor is legally obligated to report accurate information about a consumer 's credit history to credit bureaus as mandated by the Fair Credit Reporting Act. 
2 ) each of the accounts that's within this complaint I disputed it with Experian for the inaccuracies that they was reporting to the credit bureaus. But instead of Experian removing those accounts they just updated them. 
3 ) I disputed XXXX XXXX XXXXXXXX though Experian for the inaccuracies that XXXX XXXX XXXX reported to them ( Experian ). And all Experian did was updated the recent payment {$50.00} to recent payment {$50.00} as of XX/XX/year>. Which that was still inaccurate because they reported that the last payment was {$3000.00} on XX/XX/year>. Furthermore, that information is still inaccurate because that's when XXXX XXXX XXXX resold the vehicle at auction. And that payment didn't come from the consumer. Furthermore, XXXX XXXX XXXX written it off for {$20000.00} to the IRS even though the balance was only {$16000.00}. Which that is fraud within itself. However, when they ( XXXX XXXX XXXX ) written it off to the IRS it becomes income because the consumer have to report it to IRS when they file their taxes. And income can not be reported on a consumer credit report. 
4 XXXX XXXX XXXX XXXX  ask the credit bureaus to remove their account off my credit report which XXXX did. But Experian didn't, all they did was updated it to what was the last payment was. The reason XXXX XXXX XXXX  ask to have their account removed from my credit report because it was paid in full.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particular in the light of the recent CFPB. lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institute Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible the CFPBS finding indicate that it has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving userss 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

in response to report # XXXX for XX/XX/XXXX I requested corrections be made to my credit report that were inaccurate then received letter stating that they don't believe that was sent in wasn't me. on XX/XX/XXXX I called Experian about this letter they stated that I have to send in my dispute again because they don't believe it was me when I sent in my license a letter from the IRS bank statement birth certificate proving who I am and the only address that I should be associated with. I am aware that this stall letter is nothing more than a way to finagle more time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX, my XXXX can not be linked to the bank and withdraw cash, please help me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX  XXXX XXXX XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Dear Sir or Madam : Good morning I have submitted a complaint on XX/XX/XXXX  as of XXXX. XXXX. XXXX  on XXXX  Credit Report whats still displayed is XXXX XXXX XXXX and on Equifax  has it on there report as well named as XXXX XXXX XXXX XXXX XXXX XXXX  is the only Bureaus that removed this fraudulent item off of my credit report. The original creditors name listed is XXXX XXXX with a balance of {$320.00} Acct. Number XXXX I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX account number XXXX a balance of {$320.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Theres also discrepancies on my FICO SCORE SO I ATTACHED THE DIFFERENCES IN MY ACCOUNTS THATS DISPLAYED Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or XXXX, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XXXX XXXX, XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

I am writing to formally dispute the fraudulent account that appear on my credit report under my name. My identity was stolen, and I did not authorize or open the account
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Hi I am from ND and I am getting this information that i supposed to have signed up with this company called Nel Net/XXXX XXXX XXXX and i have never in my entire life have i heard of this company and the are saying i have 4 or 5 loans out with them and i don't. They are scammers trying to get money from me and i NEVER EVER signed a promissary note with this company. I want them stopped and investigated and they remove all information from them and all off my credit report ASAP. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX  and Experian to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX, am formally filing a complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates credit reporting agencies to investigate and correct inaccurate information upon consumer request.

Despite multiple disputes and sufficient documentation, Experian has failed to update and remove inaccurate personal information from my credit file, specifically outdated and incorrect addresses that do not belong to me. This ongoing negligence is impeding my ability
to manage my financial affairs and may constitute willful noncompliance with federal law. 

My correct and legally verifiable personal information is as follows : Full Name : XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Employer : XXXX XXXX Phone : XXXX Experians continued reporting of false addresses creates undue hardship and potential harm to my creditworthiness. Under the FCRA, Experian has an obligation to ensure maximum possible accuracy in the reporting of consumer information. By failing to update my file accordingly, Experian is in violation of my consumer rights. 

I am demanding an immediate reinvestigation and correction of my personal information. If this issue is not resolved promptly, I am prepared to escalate my complaint further, including potential legal action to enforce my rights under federal law. 

I expect written confirmation of these corrections within the legally required timeframe. Please address this matter with urgency. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My card was stolen in 2018. The thief withdrew and spent nearly {$1500.00}. Bank of America has footage of the theif withdrawing my funds at their atm but stated because the atm is one that I used before they will not process my claim. This is negligence considering it is more likely my card would have been stolen in an area near where I lived or I frequent so stating that the thief used an atm in an area I also used an atm at is is not a substantial reason to refuse to process my claim. Especially since they confirmed the person on camera at the atm withdrawing funds was not me
Product: Credit card or prepaid card

My credit card company failed to notify me that a payment is due for this past month, with the the payment due on XX/XX/2017. The company typically sends an email message to me, rather than mailing a statement, to inform me that a statement is available to view. To clarify whether I have attempted to resolve this issue with the company, I have had this issue with this company in the past, several years ago, and informed it at that time on more than one occasion that it did not send a statement to me. However, I did not inform the company this time because clearly any problems I have had in the past did not get resolved and the company is failing to ensure that this does not occur again.
Product: Bank account or service

Back in XXXX of 2015 I wrote my daughter a {$50.00} check to give to her friend XXXX to pay for parking permit at college. Her friend XXXX lost the check and an unauthorized recipient found the lost check and changed the amount from {$50.00} to {$3500.00} and changed the name on the check from XXXX XXXX to Essence XXXX XXXX. This person deposited the money through mobile banking app for Bank XXXX XXXX. I bank with Regions and they have acknowledge that it was check fraud but they refuse to give me my money back while Bank XXXX XXXX investigates. This have been going on for over a month, my dispute with Regions Bank and today they told me it would take 90 more days until the investigation ends. Every time I go up to Regions they are always making excuses and telling me its going to take a bit longer. First they told me I would get my money back within 3-7 business days, then told me 14 days, now they are saying 90 days. I should have received my money within the first week when I filed check fraud with Regions Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the XXXX report filed since XXXX. I mailed a certified letter asking experian to not include addresses with the exception of what's on my driver 's license. I also asked them to remove names that i do not go by in real life because my personal information has been stolen. The updated report below shows that it hasn't been removed. The information contained within my report is inaccurate. FCRA states that i have a right to privacy and experian is in violation for refusal to remove.
Product: Credit reporting or other personal consumer reports

I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because they did not respond in 15 days per or at all see FCRA sections below. 
1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE for each account disputed.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because I did not receive proof of my signature they should have on file regarding PERMISSIBLE PURPOSES according to FCRA see request below. 

15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

Please read and comply to my request or delete accounts I am disputing. 

Transunion, XXXX, and XXXX are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. 

INACCURATE REPORTING/ DISPUTES XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXXXXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately.