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

I sent letters on XX/XX/year>, XXXX/XXXXXXXX XXXX XXXX XXXXXX/XX/year> regarding inaccurate information reporting on my credit report. I have yet to receive an answer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was in XXXX XXXX XXXX XXXX during that time somebody hacked my account, got money from friends of nine, spent money that was mine, they did just about anything they could to get money into that acct
Product: Credit reporting

Equifax is reporting a public record judgment on my credit report which is in error. 
I sent a copy of court records, which the court clearly states that the judgment is in error. 
Instead of removing the judgment from my report, Equifax changes the status to " paid and released ''. I suspect they did not even read my letter nor read the case documents which I included. What kind of 'investigation ' did Equifax conduct, and how and to whom did they conduct this? They claim to have investigated this with the XXXX XXXX Courthouse, which does not maintain the records on this case anymore. This public record, is preventing me from purchasing a home, and causing great distress.
Product: Debt collection

The bank, XXXX XXXX XXXX, and the access to the account through Bank XXXX Mobile stole the money out of my account and sent it to XXXX XXXX XXXX  regardless of me calling them, emailing them, and submitting forms to stop an ACH payment in the amount of {$1600.00} on XX/XX/XXXX. I called the bank immediately the next working business day and notified them of the problem. The stop payment forms were completed online and on XX/XX/XXXX Customer 's bank was informed by phone again that there was a problem with the ACH transaction. Customer 's bank refused to stop the transfer of money over to the XXXX XXXX XXXX, where I had been told I do not have an account, there is not credit card in my name for that amount, and that the account has been closed since XXXX of XXXX and that I do not have the right to ask for access to the account information. When calling XXXXXXXX XXXX XXXX again today, XX/XX/XXXX, the supervisor got on the phone and continued the call as a collection on behalf of XXXX XXXX XXXX. The supervisor from XXXX XXXX XXXX, bank vibe mobile a service for students from the network of colleges continued to collect on behalf of XXXX XXXX and in the interest of XXXX XXXX XXXX  and then used the phone call as a reason to abduct my child, XXXX XXXX who is currently being trafficked in XXXX, NY. Because I did not allow the money to be stolen or the credit card account which I am not allowed to access or know anything further about, that the child will be XXXX and XXXX  and will not be returned home to me at this time. The " customer service representatives '' who are assisting on behalf of XXXX XXXX XXXX  from the college network have stolen the {$1600.00} and refused to stop payment to the unknown account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Formal Dispute of Experian dispute investigations.

I am writing to formally complain about the dispute investigations filed against me by Experian. Additionally, I want to address the inadequate handling of my previous disputes regarding this matter.

I submitted disputes to Experian regarding inaccuracies in their claims, as well as the documentation provided to substantiate their position. However, the investigation conducted by Experian was incomplete, inadequate, or non-existent. This failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ), specifically 611, which mandates a reasonable investigation into disputes.

Furthermore, I have not been provided with : 1. Proper validation of the debt in question. 
2. Evidence that a thorough and impartial investigation was conducted.

I am requesting that you : Immediately cease all collection activities until this matter is resolved.

Provide all supporting documentation substantiating your claims.

Report the accurate resolution to the appropriate credit reporting agencies ( if applicable ).

Please note, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) for further review. You can expect follow-up correspondence from them as well.

I look forward to your prompt attention to this matter. Failure to resolve this dispute amicably may result in further action to protect my rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Citi XXXX credit card and my application was denied. I was given some nebulous reason about there being a fraud alert on my credit report. I had removed the freeze on my credit file BEFORE applying for the card, which is how citi was able to access my credit file in the first place so I have no idea what they are talking about. There are no other credit alerts on my file.
Product: Money transfer, virtual currency, or money service

Im writing this to formally express my concerns regarding Zelles handling of disputes. Despite using the platform multiple times, my bank and Zella failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act this Creditor has violated my rights under 15 USC 1681 Section 602 States. I have a right to privacy 15 USC 1681 Section 604A Section 2 states a consumer Agency can not furnish an account without written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also violating FCRA Laws, with reporting the account as a charge off without providing me with a XXXX. This is a IRS violation. Reporting fraudulent to the IRS as if they provided me with a XXXX form.
Product: Debt collection

On XXXX XXXX, XXXX I paid a debt owed to my previous apartment complex because my current leasing company would not rent to me until the debt had been satisfied in full. It was somewhere around {$1800.00}. I do n't remember the exact amount. I paid via money order which I do not have a copy of as this was years ago and I did n't think that I would need it. I am currently looking to move as my lease is up and I saw the same debt had been sent to collections. As stated, I do not have a receipt but I do have e-mail correspondence between my current leasing company and I from XXXX XXXX when this debt was satisfied that states they could not rent to me until they received verification from my old apartment complex that the debt was paid in full. I also have the e-mails stating that they received that verification and that my application had since been approved. The debt collector that I am dealing with is refusing to take this off of my credit report unless I have an actual receipt. There is no way that I can re-generate a receipt that I no longer have and they are stating that they refuse to accept anything else to show the debt has been satisfied. I am a single mother with a XXXX year old child and no one will rent to me with this being on my credit report and I absolutely refuse to pay it again. Can you please help? I was advised by an Attorney that they must accept other forms of correspondence. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian Credit Reporting agency has violated my consumer rights. After reviewing my credit report I noticed several inaccuracies, duplicate accounts, accounting errors, inquiries I did not authorize. 

The complaints were mailed on XX/XX/XXXX. XXXX by certified mail and the credit reporting agency failed to complete an investigation within 30 days. FCRA Section 623 ( a ) states that a furnisher of consumer credit reporting must correct or delete any inaccurate information within 30 days of a dispute. Experian failed to provide any response or even an acknowledgement of my dispute letters. The following accounts are in dispute : XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX Account # XXXX Widget Financial Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act also stats that consumers are not to have duplicate reporting of any account on their credit report. The following accounts are duplicates : XXXX XXXX XXXX Account # XXXX - LISTED 2 TIMES XXXX XXXX Account # XXXX - LISTED 5 TIMES The following companies are reporting inquiries on my report that I do not recognize. CFPB XXXX XXXX XXXX XXXX Equal Credit Opportunity Act - states protects any consumer applicant from discrimination of credit transactions. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 XXXXXXXX XXXX XXXX - DUPLICATE LISTING XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

I have highlighted only a few of violations committed by this agency against me. I demand all the above information be removed from my credit file immediately. Experian has had more than enough time to investigate, validate for accuracy and provide me this documentation and they have failed to do so.
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. the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX. ( Acct # XXXX ) is reporting a charge off on my consumer report, a charge off is cancelled debt. I never received a 1099-C from the creditor from this charge off.

IRS defines a charge off as gross or ordinary income. Income does NOT get reported on a consumer report.

Please refer to the laws mentioned below : 15 USC 1681s-2 ( a ) ( 1 ) ( a ) 15 USC 1681eb
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with XXXX XXXX XXXX XXXX by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX Account XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.
Product: Mortgage

I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. 
Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. 
During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls.
Product: Credit reporting or other personal consumer reports

account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on Equifax. 

thanks
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened the account on XX/XX/2019 online. I added {$5000.00} via direct deposit to the account which was debited from my account on XX/XX/2019. 3 days later I tried to login into the account and it won't let me in. I called them on XX/XX/XXXX several times and after onerous verifications, they said that my account is restricted and I would have to visit a branch to get it working again. When I called my local branch in XXXX MA, they said that they can't do any sort of identity verification without my physical presence. I am out of state throughout the summer and I can't go to a branch to verify it. I asked both the call center and the local branch representative to close the account and send a check to my address on file. However, they said that they can not proceed without my physical presence in their branch. 

I understand their need for verification but they should not withhold my cash in case I am unable to go to their branch. I want them to close the account immediately and give me the money that they are holding back with interest.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Find Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

The IRS sent me a tax refund to my bank account on XXXX XX/XX/2024, and it is XXXX XX/XX/2024 and I still have no refund. The bank keeps saying itll be cleared in a couple hours but I am on day 2 of no funds available. They wont give me an explanation of why my funds are being held and when theyll be released.
Product: Credit card

I read the article from the CFPB about all the illegal activities that Navy FCU did to consumers. I wrote a letter certified mail to Navy explaining the issues i had with them and let them know about the exact same illegal activities they did to me. I received a letter from the Senior Vice President XXXX stating he personally reviewed my dispute and he determined that he had validated the account with all XXXX credit bureaus. But he failed to provide any proof of the alleged debt, no contract, no account statements. All he said was that i still owe them money. I sent him a second certified letter restricted and he personally signed for the letter. He has not responded to that letter at all. In the letter i pointed out that they had failed to verify the account pursuant to 15 USC 1681 s-2 FCRA as well as FACTA section 312.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, there were three ( 3 ) unauthorized transfers of money out of my wife and my Bank of America accounts using XXXX. I called Bank of America to report the fraud/unauthorized XXXX transactions XXXX XXXX. Bank of America provided me with a claim number, locked our accounts and assured me that they would do an investigation. The three ( 3 ) unauthorized XXXX transactions were unusual since I did not use Bank of America to transfer monies out of my account using XXXX to this criminal ever. My wife and I did not add this criminal or his/her cell number or email address to my list of XXXX Recipients XXXX I never transferred such large amounts using XXXX nor have I or my wife ever sent anyone money using XXXX muliple times in one ( 1 ) day. It would be easy for Bank of America to flag such unusual activity on our accounts. Yet, Bank of America instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Bank of America chose to protect themselves rather than protect my wife and I. This was a crime and Bank of America has refused to restore the money that was stolen. 
From acct # XXXX {$1000.00} stolen on XXXX {$200.00} stolen on XXXX From acct # XXXX {$300.00} stolen on XXXX I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. I provided these items to Bank of America by email on XX/XX/2022 and by Fax on XX/XX/2022.