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

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

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

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX please correct the late payment on XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason. 

inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelle 's handling of disputes in recent light of cfpb lawsuits highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims stating it would be impossible to track funds and recover lost funds. Cfpb findings zelle not only neglected to properly protect consumers but allowed repeat offenders to exploit the broken system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious consumer concern
Product: Credit reporting or other personal consumer reports

Equifax needs to reinvestigate inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Experian on numerous occasions to verify this information if they can look deeper into why I have so many inquiries that I did not approve of on my credit report. They have yet to send information back of verification of this. When they do send information, I'm not able to view it. I've asked them plenty of times to only contact me via post mail. And they proceed to contact me via email, and with that communication I'm not able to see results or really see what's going on. 

Contacted Experican : XX/XX/2021, XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Checking or savings account

Was sitting at home when I got a call from credit karma asking did I make this transaction. I answered no. XXXX mins later my card notified me that all my money had been transferred out of my savings into my spend account then it notified that my money had been withdrawn at an ATM at XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my XXXX/ XXXX  mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX  again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to Equifax. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These addresses are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MI, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided.

Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Checking or savings account

XX/XX/year> I attempted to use an ATM at a local XXXX  store to pull XXXX $ out, there was a XXXX $ fee. The atm approved the transaction and did not dispense any money, the owner of the XXXX store said his XXXX owns the ATM and there was nothing he could do about the situation. 
I did not use this ATM following this incident yet on XX/XX/year> another transaction for XXXX $ was posted to my account from this same ATM located at my local XXXX store on XXXX XXXX XXXX in XXXXXXXX XXXX 

I contacted my bank ( BMO ) and disputed both transactions immediately. They approved both disputes and credited the full amounts back to my account. XXXX weeks later they changed the dispute status to denied and reversed the credits for XXXX $ and XXXX $ as well as the XXXX $ fee for each ( XXXX $ total for the XXXX ) which overdrew my bank account that had been at XXXX $ prior to this. 

Since then I have contacted them by phone XXXX times and was given an email to contact directly for help with this matter. I have now emailed them twice in the last XXXX weeks with no response or attempt to fix my account resulting in a XXXX $ overdraft fee in addition to the amount it was already negative putting me at XXXX $ These are fraudulent charges which resulted in having to replace the debit card associated with these transactions yet BMO continues denying my dispute and pushing my account further into the negative with fees and not handling the original dispute matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit file as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the immediate removal of fraudulent accounts. 
CREDIT COLL - XXXX - XX/XX/year> - {$950.00}
Product: Credit card or prepaid card

I made an online {$290.00} purchase of a shower door at XXXX  using my Capital One XXXX XXXX Card.
Very soon thereafter I received a fraud protection email from Capital Once asking me to confirm that this was a legitimate purchase.
That same fraud protection email said " if your purchase funds were denied, please re-purchase '' 1st Capital One should know if they denied the payment. The fact they did n't know made me suspicious of the authenticity of their email, and 2nd and most importantly, I was not aware that my purchases can generally be denied merely because XXXX questions why I am buying a shower door from XXXX XXXX.
I have been a Capital One XXXX customer for at least 10 ( maybe 20 ) years.
Product: Credit reporting

I had a XXXX in XXXX 2015 while living in XXXX XXXX, Iowa in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. XXXX, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, Indiana. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.
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 violates 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 requirements under the Electronic Fund 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, credit repair services, or other personal consumer reports

Recently I was shocked to see this account reporting on my credit by XXXX XXXX XXXX. I disputed with XXXX, Experian and XXXX  in which they verified the account as accurate. 

I requested verification from XXXX XXXX and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, Experian and XXXX  and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, TRANSUNION AND XXXX on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX/XXXX/XXXX
Product: Bank account or service

Both of my checking accounts with suntrust bank are in the negative at bo fault of mine as I 've been transferring funds from my checking account to ensure this type of thing did n't therefore it is the fault of the back for this occurring. Not only that I had overdraft protection setup to ensure this would never happen. Therefore I believe the bank has placed my accounts in this situation and I will not stand for this. Besides which I was never advised of any over draft fees on my savings accounts nor have I been explained as to what these charges are for. 
.
Product: Credit card or prepaid card

This complaint is against Wells Fargo for failing to comply with the requirements established in the Fair Credit Billing Act. See supporting documents included as part of this complaint. This complaint is NOT related with the merchant 's pricing and policies. Wells Fargo failed to comply with the following requirements : 1. Resolve the dispute within two billing cycles. 
The first Wells Fargo resolution letter for the dispute XXXX was sent on XX/XX/XXXX, after two fully billing cycles from my claim, which was opened on XX/XX/XXXX. The Fair Credit Billing Act establishes a period of not later than two complete billing cycles to resolve a dispute. Billing cycle XX/XX/XXXX to XX/XX/XXXX ( unauthorized transaction was on XX/XX/XXXX ) ; billing cycle XX/XX/XXXX to XX/XX/XXXX ( I opened the claim with Wells Fargo on XX/XX/XXXX ) ; billing cycle XX/XX/XXXX to XX/XX/XXXX ( first fully billing cycle after claim ) ; billing cycle XX/XX/XXXX to XX/XX/XXXX ( second fully billing cycle after claim ) ; Wells Fargo sent the resolution letter on XX/XX/XXXX. Refer to Fair Credit Billing Act sections 1666 ( a ) ( B ) and 1666 ( a ) ( B ) ( ii ). 

2. Resolve the dispute and send written explanation prior to taking any action to collect the amount. 
Wells Fargo re-billed the disputed amount on XX/XX/XXXX, three days before they sent me the resolution letter, which was sent on XX/XX/XXXX. According to the Fair Credit Billing Act, the creditor shall sent written explanation prior to taking any action to collect the amount. Refer to Fair Credit Billing Act sections 1666 ( a ) ( B ) and 1666 ( a ) ( B ) ( ii ). 

As explained in the Federal Trade Commission article, " If an issuer doesnt follow the settlement procedure, they forfeit a portion ( up to {$50.00} ) of what theyre allowed to collect ( the disputed amount plus finance charges ), even if the bill turns out to be correct. '' Refer to Fair Credit Billing Act section 1666 ( e ). 

Wells Fargo can not rebilled me the disputed amount because they failed to comply with the requirements established in the Fair Credit Billing Act. Therefore, I request to Wells Fargo a full refund ( credit in my account ) of {$89.00} to my credit card.
Product: Credit card or prepaid card

Capital One closed my credit account arbitrarily and without notice in XX/XX/2018. I never received a letter and was never sent an email giving me notice that my account would be closed. This was my oldest credit account, and as a result of the closing, my average credit age has suffered and my credit score has decreased significanty. This has directly monetary impact to me due to interest rates.
Product: Credit card or prepaid card

I took advantage on XX/XX/XXXX of an American Express promotion to receive XXXX XXXX XXXX points after adding an authorized user and spending {$1000.00} on the authorized user 's card within three months of adding it. This spending threshold was met on XX/XX/XXXX. On that date I contacted AmEx 's customer service by online chat through their banking portal, and was told the points should post within 6-8 weeks. 

These points have never posted, despite several follow-up contacts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Debt collection

Contacted the credit agency LVNV Funding LLC via mail asking for the original Contract that was physically signed that I was in an agreement to pay the debt of {$840.00} to them. I received a letter back from the attorney representing LVNV Funding LLC ( XXXX XXXX ) Of credit card payments that are not mine. They never sent out the original contract with my handwritten signature agreeing to pay such debt to the creditor LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name XXXX XXXX XXXX - Account # : XXXX - Reporting Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! 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 fix the account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

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 an 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 then records of convictions of crimes which antedates the report by more then 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: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts have reported on my credit report as an inquire. 
Inquiry dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX
Product: Debt collection

they called back to back at XXXX stating that they are going to serve me at my house with a document I dont owe their client nothing i dont even know who their client is.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my identity was stolen they using my data my personal info is on black web
Product: Checking or savings account

On XX/XX/2022, I filed a dispute with Chime Financial about the {$2.00} atm fees that have been accrued from my account since XX/XX/2022. The amount totaled over {$380.00} in just Chime fees. There was another {$400.00} in atm fees assessed from the owner of that atm. I told them that the reason why I chose to bank with Chime was because of their " no hidden fees '' claims. These fees are hidden. When using the ATMs, nowhere does it say that ill be charged {$2.00} from Chime. The only fees shown or stated are the fees from the owner of the bank which I was aware of and paid. I've contacted Chime multiple times since XX/XX/2022 and filed multiple disputes before they got back to me on XX/XX/XXXX. The email said they investigated my claims and concluded no wrong was done. Well claiming they have no hidden fees and then charging hidden fees is bad business practice and id like my {$400.00} back that they stole from me. This is the Chime dispute # XXXX.