23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express has a platinum charge card of which I've never missed a payment. Because I'm not using the charge card as they completely desired but still within the legal scope of which I'm allotted per their contractual agreement they are financially squeezing the account causing various malicious and malinformed reports for example they're making it seem like I'm using 100 % of the borrowed some but it's because every time I make a payment they lower it. They also are declining charges because of this algorithm and refused to review it or let me speak to somebody about it. I'm following their contract to the t. That's in addition to they're double dipped interest fees that no one for some reason has claimed in a class action lawsuit but that's beyond me. I have never missed the payment and have followed their instruction and their rules and regulations but they remain uncooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This 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

I have seen the Public Record in my report, it 's over 7 years BKPT CT AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately
Product: Credit reporting or other personal consumer reports

I have inaccurate personal information that doesn't belong on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is using MEDICAL DATA SYSTEMS to report a negative account for the amount of {$360.00} dated as opened XX/XX/2018. I have been unsuccessful in communicating with both agencencies XXXX  and XXXX that this debt does not belong to me, i did not open or sign this account, it has not been properly verified as accurate as i was not ever at XXXX XXXX XXXX and I have never been serviced or obtained a debt from XXXX XXXX XXXX therefore MEDICAL DATA SYSTEMS needs to cease collection of this account.
Product: Credit reporting

I have repeatedly asked Experian, by both online dispute and phone dispute, to disclose my current address as my current address on my Experian credit report. ( And, to delete all old previous addresses. ) Experian will not state my current address XXXX XXXX XXXX XXXX, XXXX, MA XXXX as my current address on its credit report. Instead, they list this address at the bottom of a very long list of previous addresses, with a former address at the top of this list, where they continue to send me mail, and which my former roommate continues to write on the envelopes " RETURN TO SENDER/NO SUCH PERSON AT THIS ADDRESS. '' Despite my former roommate doing this, and despite my complaints to Experian by phone and online, Experian continues to fail to use my current address as my current address ( and refuses to delete all other former addresses on their very long list ). Experian keeps my current address at the bottom of their long list of former addresses for me on my Experian Credit Report. This situation causes problems for me whenever an agency or entity relies upon Experian to verify my current address, as such recently happened with my XXXX XXXX renewal form. Because XXXX relies on Experian, and because Experian keeps using a wrong address for me, I was not able to renew my XXXX online, as XXXX XXXX 's summary of my renewal said I now have to submit to them " Proof of Residence. '' If Experian would have included my current address as my current address, instead of deliberately keeping my current address at the bottom of a long list of former addresses they refuse to delete, then I would not now have to go and manually submit proof of residence to XXXX XXXX, but now I have this xtra burden because XXXX XXXX relies on Experian and Experian wo n't use my current address as my current address. Attached is the dispute results I already received from Experian falsely claiming they deleted all the former addresses when they actually did not, as well as the current Experian Credit Report for me dated today ( showing a total of XXXX former addresses, with my current address at the bottom of this list ), and a copy of the result of my attempt to renew my XXXX XXXX online, showing they now want " Proof of Residence '' because the Experian address for me did not match my XXXX XXXX residential address I truthfully included on my XXXX XXXX renewal. Note I have resided at my current MA address for more than three years. I can not get Experian to correct this situation.
Product: Debt collection

Representative attorney for Portfolio Recovery Associates LLC in Arkansas revived a seven-year-old default judgement I was not originally aware of ( in XXXX ), by pushing through a quick garnishment ( in XXXX ) without doing the due diligence to contact me, confirm an accounting of the debt, or check whether it was time-barred or even an accurate debt. Apparently they garnished {$500.00} from an employer after I was terminated in XXXX, so I was unaware of this garnishment from my final pay. My credit report is clean going back 12 years, so I see no proof of this debt. I immediately requested information connecting me to the debt, but received no account information from PRA. According to CFPB Consent Order # XXXX, Portfolio Recovery Associates LLC and all attorneys associated with them were charged in XXXX XXXX with the burden of proof to review these old default judgements and move to vacate any that could not be proven when challenged by the consumer. It 's {$2700.00} and there is not XXXX shred of evidence in the court file to confirm the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX, XXXX Account # : XXXX XXXX Account Type : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automotive : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX  XXXX Finance : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX XXXXXXXX Automotive XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX Finance XXXX
Product: Debt collection

The collection agency is in violation of the law and inaccurately reporting fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back I n XXXX, XXXX, I made a payment to XXXX, they used my routing and checking account number to take payment. XXXX  never informed me that I must have a checking account with checks, my bank account is a checkless checking. XXXX  understood this error and promised to correct the late payment. They even sent me a letter indicting they would remove it from my account. I submitted a dispute to expedian along with the letter from XXXX. After expedian completed thier investigation, they did not make any changes
Product: Bank account or service

Bank  of America allo wed an account to be fraudulently opened using my personal identifying information without my authorization or knowledge in another state. I contacted B ank of America  and informed them of this to which they replied the account had been closed but my personal information including drivers license, social security number, name, and date of birth are being retained in their " black list, '' and as such I am unable to open an account with them, even though it was confirmed fraud and the account was opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act the following account has violated my rights.

15U.S.C. 1681 Section 602A states that I have a right to privacy.

15U.S.C. 1681 604-2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

After reviewing a copy of my credit report I have discovered many account AND INQUIRIES that do not belong to me. attached you will see said accounts and inquiries that must be removed from my report.

I have contacted the creditor and Transunion on several occasions with no results. it is clear that the account is reporting inaccurate at the least and after pointing this out to the Transunion they still fail to do their due diligent as required by FCCA. attached you will see a copy of this account as it shows on Transunion and I will highlight the clear discrepancies. after speaking with XXXX they agreed that I was never late and indicated that they have already in the past instructed Transunion to update their record but to no avail.
Product: Debt collection

A debt I owe to XXXX was mailed to me. I was given information as to how to pay for it but the registration code does n't work so I ca n't log in to pay for anything! The website does n't work half the time so I wont even be able to figure it out. Now I have no way to pay for this even if I tried. It will effect my credit which is not fair to me.
Product: Debt collection

Someone created a fake PayPal account with my name address and email and banking account. Attached to the same account is also fake information that is not mine. According to PayPal the account was created in XXXX and upgraded to a business account in XX/XX/XXXX. At this time my bank account information was added and the person was able to withdraw XXXX dollars from my account. I never have had a PayPal account nor did I create it. As soon as I noticed the fraudulently withdrawals the bank was contacted and a police report was filed in XX/XX/XXXX. After the investigation was done PayPal returned the money to the account. However PayPal is now trying to collect the money through a collection agency XXXX XXXX XXXX XXXX. This agency was notified that it was Fraud Identity Theft and was given the police report number advised by the police investigators. I have tried to contact PayPal numerous times via phone and through their message system via the account. PayPal will not close the account claiming the money is owed. My personal information is still compromised because of this. I need PayPal to close the account that they let someone open fraudulently. I have not been able to reach PayPal via the phone. They do not answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Pandemic EQUIANT FINANCIAL SVCS starting reporting a late payment that I since been on time. 

EQUIANT FINANCIAL SVCS never reported on my credit before the Pandemic in which I was blindsided nor warned they were going to do so in order for me to correct any problem. 

Now for Some reason they are reporting negative history on my account that is affecting my score. 

I'm current and baffled why are they reporting on my credit file after my initial dispute they removed it. 

This is a mistake and I need it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX XXXX  loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and XXXX  accordingly. The car was paid off with XXXX for the amount of {$7900.00}. I've got the confirmation letter from XXXX attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score. 
I have already talked to two representatives from XXXX XXXX XXXX XXXX about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with XXXX XXXX and their bad reputation I am requesting the CFPB for help with this issue
Product: Credit reporting or other personal consumer reports

2nd attempt- Equifax was sent notification via mail. Requesting to remove ALL incorrect demographic information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES Student Loan Services has reported an Old Account which was listed on my Credit Report XXXX, with the Date of Status XXXX and First Reported XXXX. This is an Outdated and Negative and False Reporting. The Bank listed is XXXXXXXX XXXX which is Listed for 2 Loans in XXXX XXXX XXXX XXXX {$2900.00} and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, {$3500.00}. The School also closed under Bankruptcy School ID XXXX. 
On XXXX, The Department of Education approved for a Discharge of the Federal Student Loans and this Loan Holder ( s ) AES has refused to release or Transfer my Loan to XXXX XXXX XXXXXXXX XXXX XXXX for The Discharge. XXXX has contacted AES many times to have the Loans transferred but no response has been given to XXXX from AES. XXXX XXXX informed me that the Loans were sold back to AES but AES reported these Loans as new Loan on my Credit Report as New Open XXXX, and 1st Reported XXXX with a payment and Status Current. I have n't made any payments nor should this be reported Double on my Report this Account is Outdated from XXXXI contacted AES and they claimed they could speak to me because they had another name Listed for my Social Security Number/DOB/address . I do n't know what they have in Error but yet they were allowed to report False Information on my Credit Report which is PROOF they have all the Information Needed to talk with me concerning this Incident. All Reporting from AES is Fraud and they are also claiming to be reps of XXXX XXXX or XXXX XXXX gave me false information. I want all these Accounts to be removed from my Credit Report as they have caused Due Hardship and violated my Civil Rights with Fraud. This is abuse of the Government Student Loan and Department of Education. I want all points restored back to the my Credit Score which was reduced because of this Fraud committed by AES and XXXX XXXX due to Error and refused to Obey the Discharge Laws and Policies when the Discharged has been approved. I want a written apology for this Harassment and violation of ADA Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$13000.00}, XXXX XXXX  XXXX Balance : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report with PII leaked due to breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX Department ) report this credit card account to XXXX, Transunion  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Credit reporting or other personal consumer reports

There was an old account about XXXX XXXX XXXX that had been removed. It suddenly popped back up and took my score down over XXXX points. I logged into the Equifax website to dispute it but it wasnt there. I havent seen it anymore but my score was heavily impacted. I checked all 3 bureaus to be sure and nothing. But my credit never went back up
Product: Credit reporting or other personal consumer reports

Dear Factor Trust XXXX XXXX. Support Team, I am writing to request an update to the information in my public records maintained by your organization. Specifically, I ask that my current phone number be added or updated to ensure my profile reflects the most accurate information. 

Phone Number to Update : XXXX I have attached documents verifying my identity and confirming my current phone number for your review. Should you require any additional information or documentation to proceed, please let me know, and I will promptly provide it. 

I kindly request that this update be processed as soon as possible, and I would appreciate receiving confirmation once the changes have been made. 

Thank you for your attention to this matter. If you need to reach me for further details or clarification, please contact me at XXXX or via email at XXXX. 

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

XX/XX/ 2023, a hard inquiry was made on my account and when i found it I reported it within the 1st day. I talked to the JP Morgan Chase Credit department and they confirmed someone tried to open a credit card account in my name but it got rejected, and was also told that they would report that it was a fraudulent inquiry to the credit companies and I asked if I was going to get a confirmation letter, I was told yes. Its been 60 days and no update, no letter from neither and I called XXXX  to see if they was notified and the Chase credit department today to follow up about the letter but they hang up on me when I get to that point. Please step in
Product: Checking or savings account

On XX/XX/2024, there were XXXX transactions for which I did not have enough money in the account. They were XXXX payments that were recurring. The bank paid them even though I did not have overdraft protection and then charged me {$36.00}. On XX/XX/2024, my daughter informed me that someone had taken {$92.00} out of her checking account and {$50.00} out of her savings account to cover my checking account. This caused her to be overdrawn. 

I called on XX/XX/2024 and was told that they did an offset to cover my delinquency. I told the lady that I was no longer on my daughter 's account because her account was originally a student checking, and after she turned XXXX, it was rolled over to only her. The lady said that there was nothing they could do. I asked for a supervisor and was told that I would have to wait 24-48 business hours
Product: Payday loan, title loan, or personal loan

I was approved for a loan with 499 % APR. The unfortunate thing is that I am the spouse of an XXXX XXXXXXXX military member. I only recently learned about the Military Lending Act ( MLA ) that caps apr at 36 %. I only found this out by accident because there was an issue with the company stopping my auto-pay ( without my consent ) and then charging me a late fee. I have been paying this loan for a few months now on my pay day as well as an additional lump some I paid early on. I went down a rabbit hole and found out about the MLA. I reached out to the company and told them about the issue. I asked for a copy of the application because I did not remember there being a place where I could check being the spouse of someone that is active-duty, but they refused to send me a copy of the application. At their request, I sent in documents verifying that I a spouse of an XXXX XXXX XXXX member. They have given me the run around and stated that the MLA doesn't protect spouses, only the members themselves. I told them this was incorrect and I did not want to be part of an issue. They further gave me the runaround and said they would " get back to me ''.