23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX   Agreement number:  XXXX  To whom i t may c oncern : I signed up  for 1  membership. For the last year I have been charged for  XXXX  memberships. When I contacted the gym they acknowledge the error. They said they had been charging my credit card with my son 's membership bill because we have the same na me ( he  is a  XXXX   ). Th ey said if they are successfully able to charge the correct account they will remove the additional charges from my account, but if they are not able to charge the correct account they could n't remove the  XXXX  membership charges from my account. I have been unable to get any further information on the status of correcting the account other than " they are working on it ''. My son has his own credit card and is an adult,  XXXX   XXXX   XXXX . I do not pay his bills.   This is an account error within the company 's billing system. Customers should n't be charged or penalized for the company 's financial mismanagement of customer account.   I am requesting a refund in the amount of {$210.00} and for  XXXX   XXXX   XXXX   XXXX  to  be notified of ABC Financials billing error and stop collection attempts.
Product: Money transfer, virtual currency, or money service

I am trying to get money refunded of the amount of {$90.00} using Paypal. I payed this money to a person named " XXXX XXXX '' living in XXXX who said he would give me two accounts on a a game called " XXXX '' for that price. We agreed over XXXX on XX/XX/XXXX that on the XXXX of XXXX, I would receive my accounts as he has accepted the money transfer and I have shown proof of the purchase. It is now early XX/XX/XXXX and this person has continuously dodged my questions and will not hand over the required property. He has now said that he wants me to send his step-dad {$40.00} to ensure the account even though that wasn't the agreement. I have filed a complaint through the resolution center on Paypal and waiting for a response. I figured contacting this company would help ensure this money is refunded as it is a lot to me and would like it back as it is rightfully mine. 

Screenshots of conversation ( I am XXXX in conversation ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When I spoke to you on the phone informed me that there was a zero fraud liability. I had nothing to worry about. Months later, youre telling me you are denying my fraud claim you have not given me any information as to why. We were not located in the city that the charges were made in. We also did not have the cards in our possession. But charges were made. If thats not considered fraud, I need you to explain to me. What exactly you consider fraud? I mean we didnt have the cards and we were not in the city that the charges were made on. We didnt give the cards to anybody else. We didnt give permission to anybody else we didnt benefit in anyway, so why would you deny our fraud dispute? Explain in details about the specific case.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling 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 CFPBs findings indicate that Zelle has 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: Debt collection

I moved out of my apartment complex ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I received a Final Account Statement that stated I was owed {$95.00}. I received the {$95.00} by check in the mail. I contacted XXXX XXXX XXXX XXXX XXXX to confirm that I did not owe anything further. They confirmed. Fast forward to XX/XX/XXXX XXXX XXXX after my lease was over ) I was contacted by XXXXXXXX XXXX XXXX claiming that I owe them XXXX on behalf of XXXX XXXX at XXXX XXXX for unresolved payments. I received no notice in the mail/e-mail, until XXXX XXXX XXXX called . When I called and talked to the apartment complex they had no information on why these chargers would exist. The XXXX XXXX XXXX has not sent any notification and I believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}
Product: Credit reporting or other personal consumer reports

Greetings : I'm temporarily in XXXX XXXX and have been for the last 2 years. Since finding out about the XXXX XXXX XXXX breach I've been trying to figure out how to freeze my accounts at XXXX, Experian and XXXX. In the case of Experian, I'm unable to sign in or create an account due to XXXX XXXXXXXX ' while both XXXX and XXXX are requiring U.S. details. The last straw was when I tried calling Experian and couldn't speak to an agent because the automated system wouldn't allow it. Unfortunately, they didn't have expat issues listed and when I went thru the freeze protocol was unable to provide a current U.S. zip code. I find myself vulnerable to fraud and no apparent way to freeze my accounts. The whole point of my attempt to reach them was to find out what I could provide that they would accept from me as authentication of my identity. I would like to complain about all three of these credit bureaus for not providing a way for international access - and please don't let them get away with saying they do. I live in XXXX XXXX, XXXX. not XXXX, XXXX ( XXXX, I believe ) which might have gotten me in the door of at least XXXX of them. 

I would also like to complain about the process in general. We're assigned SSNs but who owns them? I don't think I should have to go to each credit bureau individually to change the status of my SSN. I think I should be able to go into my SSA account and set it there then SSA should send my status change or the entities should request it. It would be faster, safer, more reliable and more likely to be taken advantage of by more holder of SSNs. Furthermore, if there are 220 million SSN holders then that would be the limit of attempts to change a status instead of 660 million not even including myE-Verify for more and more of us. 

Finally, if all databases were required to be encrypted to a minimum standard, and if each SSN was required to be uniquely encrypted then the hacker would have to decrypt up to 450 million SSNs that have been issued so far one at a time. So in these last two cases, I guess my complaint is about credit bureaus but the responsible entity is Congress. Dreaming, right?

BTW, I'm not angry... frustrated and mildly irked, maybe. Anxious about getting ahead of a serious problem down the line, definitely. I spent 20-25 years in IT and mastered my craft. I understand the problem but I also understand the solution.

I am very grateful for anything you can do in helping me get my freezes and also, for information about how I can unfreeze them when I get back to the States given that I will have been gone for several years. 

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT THE CITY OF XXXX I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/XXXX, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The consumer did not have any such agreement of a leased vehicle and DEMAND FOR XXXX XXXX XXXX a third-party to remove the tradeline provided by BMW Financial Services N.A . LLC. following updating the trade line of the consumer to reflect accurate information, once again the consumer did not have any such agreement of a leased Vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.
Product: Debt collection

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : Radius XXXX XXXX XXXX XXXXXXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

The website frequently does not operate. Going to make a payment will result with zero loans showing, unable to view past statements, and unable to make a payment. This has repeatedly happened. Several payments have posted late for the reason of the website not functioning. 

I have tried multiple browsers. Including, XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with XXXX and Transunion and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.
Product: Credit reporting or other personal consumer reports

Companies are furnishing false information on my consumer report. This has negatively affected my ability to obtain lines of credits from lenders. Also Pa statute of limitations prevents charged off account from reporting after 7 years. These negative items are unlawfully being furnished on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX Account name:XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account 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 item of information Any other adverse item of information, other than records convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to an consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

While reviewing my account statement on or about XX/XX/XXXX, I noticed unauthorized and fraudulent charges to my account beginning from XX/XX/XXXX thru XX/XX/XXXX posting as date of Transaction totaling about {$22000.00}. I immediately contacted BANK OF AMERICA and advised them that I did not at any time authorize or consent to the charges that reflecting in my account. I was advised that it will be investigated and appropriate correction made. I was not contacted or advised of the outcome of the investigation, though I continued to make my monthly payments including this fraudulent and unauthorized charges to my account. 
On or about XX/XX/XXXX, I contacted BANK OF AMERICA again requesting for this matter to be resolved because it was having a toll in my finances. I was again advised that an investigation was on going and that I will be duely notified when completed and advised me to continue making payments to avoid negative effects on my credit, to which I complied. 
To this extent, BANK OF AMERICA did not contact me nor send me any notification per the completion of the investigation. I kept calling and never received any assistance from any staff. 
Thereafter, on XX/XX/XXXX, I contacted BANK OF AMERICA and disputed the validity of the DEBT and staff advised me that there was nothing on file for this matter as I stated. STAFF promised me that he will get to the bottom of this and that someone will be in touch with me within 60 days with a resolution. To this regard, nobody contacted me or the matter resolved. 
Therefore, on XX/XX/XXXX, I called and was upset and enraged that nothing has been done to resolve my complaint of ID THEFT resulting from unauthorized and fraudulent charges to my account, BANK OF AMERICA staff advised me that there was no file for this complaint and that I need to file an official complaint for an investigation into the matter. BOA has failed to investigate my complaint of unauthorized and fraudulent charges of ID THEFT totaling approximately {$22000.00}, in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS, causing me to suffer irreparable injuries of mental and physical injuries of XXXX distress in my marriage, XXXX and serious economic loss resulting from gross negligence of BOA failure to act accordingly. I have continued to suffer financial difficulties resulting from BOA total disregard to the rule of law per my complaints of ID THEFT, where I have been denied and deprived access to new credits and/or business financing based upon my DEBT TO RATIO INCOME and HIGH CREDIT UTILIZATION in part.
Product: Checking or savings account

I had many fraudulent charges on my PayPal account. Someone had used my card fraudulently and I had contacted PayPal about this. I got a new card and they opened cases but all of my cases were denied. This is unfair because its money I world hard for
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to properly validate accounts I disputed. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Experian aid required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Experian stated in writing that they verified that the items are being reported correctly. Experian did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Experian that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Experian failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am a victim of Identity theft. I have disputed the following account several times and it has come back verified every time. 

XXXX 's reporting a negative account on my credit report and I have reported the account to them directly and the buerers and they are claiming that its my account. I am requesting that the item be removed ( or request another specific change ) to correct the information. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( XXXX ). The copies of the records can be mailed to me at the my address XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Initial VA mortgage loan via XXXX and it's mortgage provider, Nation Star, XX/XX/XXXX. O/A spring XXXX, Nation Star servicing was transferred to " Mr. Cooper '' XXXX ( Same address, XXXXXXXX XXXX XXXX ). Last month, received a letter ( dtd XXXX XXXX XXXX ) that my loan servicing would be sent to another subsidiary, XXXX. ( Again, same address, XXXXXXXX XXXX XXXXXXXX  ). The letter stated " if you are on Autopay, there is nothing you need to do '', which I am. I went to check the status of my payment today, and discovered I was no longer able to see that information via the Mr Cooper app. I called to complain that the letter specified there was nothing I need to do if on Autopay, only to find out I still must jump through hoops as the customer ( by establishing a XXXX account ) to now view current and future payment processing. I then went to XXXX to file a complaint against the company ( XXXX ) only to find that they are not XXXX affiliates. While on the XXXX website, I found a judgement against NationStar, signed by the judge on XXXX XX/XX/XXXX. 
My complaint centers on three aspects : 1 ) as a former NationStar customer, how do I receive my portion of the XXXX XXXX adjudication against them? 
2 ) why are these mortgage companies allowed to make it more difficult for the customer by creating their shell company subsidiaries? 
3 ) Nation Star, Mr. Cooper, and XXXX are, in reality, the same corporation and their business practices impair the customer, and that is not good business! Because my mortgage is a VA mortgage, it seems they are taking advantage of the veteran. Your federal agency is the only way to stop this as they are a nation -wide company and states have no purview.