23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX  FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Phone numbers THAT DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX Residential ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To : CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGED FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX & Portfolio Recovery. AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 8 YEARS. Portfoilo recovery HAS AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY.
Product: Money transfer, virtual currency, or money service

I have been getting about XXXX $ took from my account!!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EXPERIAN. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EXPERIAN has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EXPERIAN ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : Account Name : Account Name : XXXX Account Number : XXXXPresent below the inaccurate information persistently affecting my credit report.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I see hard inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditor fails to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Checking or savings account

Order placed with XXXX XXXX XXXX on XX/XX/2020 for item advertised as in-stock. Debit card charged for {$400.00}. Item not received. Tried to contact vendor who is unreachable. Please see complaints against XXXX XXXX XXXX on XXXX. 

Vendor claims on website that he is one man operation and Covid has slowed things down. So it took me awhile to realize that the item was not going to be delivered and that the vendor had scammed me. 

Filed dispute with BMO Harris. Ref # : XXXX Bank denied claim since I authorized the charge. I only authorized the charge if the vendor provided the item.
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 pracitcies, 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 and requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenient and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My husband and I have a XXXX XXXX credit card for XXXX years more or less.One day my son told me if I new what account care was while going over my statement and if I new that I was paying for it, I said no I do n't know anything about it. this was around XXXX and my husband of 45 year has XXXX  away and my son was looking at all of my financials. 
I told my son to call XXXX XXXX card to cancel the account care service to no avail, my son called many times. So I was forced to pay for all those years even after I was aware of it. 
I want to know if I have rights from the award that XXXX XXXX XXXX card awarded it to their costumers for fraudulent account practices. 
Please respond at your earliest convenience. Sincerely. Yours Truly.
Product: Checking or savings account

I am locked out of my account online at citi bank and on the app and have been for over a month. I attempted to go into the account on XX/XX/XXXX and was blocked and received a message that my social security number and credit card number were incorrect. I alternated and put in my account number and they still blocked me. They then stated that I should reset my password and blocked me from taking that action. I have not been able to access my account. This has XX/XX/XXXX when a previous complaint was settled.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$910.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft do to the XXXX data breach the XXXX XXXX data breach and also XXXX XXXX. Attached is an identity theft report with all listed fraudulent accounts. It is against consumer law to report fraudulent accounts. 

Fraudulent Accounts XXXX XXXX {$2200.00} Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$700.00} Account Number : XXXX XXXX XXXX XXXX {$1200.00} Account Number : XXXXXXXX XXXX XXXX {$3100.00} Account Number : XXXX XXXX XXXX XXXX {$62.00} Account Number : XXXX
Product: Consumer Loan

Chrysler Capital refuses to send me a monthly statement. After I realized it was overdue, I tried to call the phone number of my previous statement but it would n't accept my account number and I could find no way to reach an actual person. 

When I asked about this using their online system ( apparently they do not accept e-mail ), their response was to call that number. 

When my next message explained that the number did n't work for me, their response was to use online chat. 

When my next message said I had no Internet access and online chat at a public computer was n't appropriate, they said they had no way to send me a statement and again said I should call the number or use online chat.
Product: Checking or savings account

On XX/XX/22, I paid {$71.00} for a grocery delivery. The merchant unexpectedly charged an {$11.00}. After resolving the issue with the merchant, I was granted a refund for the additional charge. 

On XX/XX/22, the merchant charged me an additional {$82.00}, which was later resolved and offset by the pending refund. The merchant also confirmed that it had canceled the charge of {$71.00} on XX/XX/22. 

However, my bank, Chime, has yet to return the {$71.00} to me. It shows both charges, one settled, and one still pending ( {$71.00} ). Additionally, it has added a notification that the {$71.00} has been added back to my balance, although it hasnt. 

I have reached out to Chimes support team, who said that it takes at least seven business days to remove the charge, as the merchant canceled it while it was still pending. 

This makes absolutely no sense. Chime itself set the money aside, not the merchant, and is well-aware of the fact that the merchant returned the funds. So, why is it refusing to return the money in a reasonable time frame?
Product: Debt collection

On XX/XX/2019 at XXXX XXXX, I received a call from XXXX. I picked up and they asked if I was [ name removed ]. I asked who was calling. The caller said their name was XXXX. I asked what company she represented. She said she could not say until I verified my identity with a date of birth or SSN. I said I would not give out my personal information to an unknown caller. She said that she would give me what information she had if that helped. She then said my date of birth and the last four numbers of my SSN without me first saying I was who they were trying to reach. I then began recording the call, here is the transcript : Me : " Alright, I am now recording the call as well. Please tell me who you are. '' Caller : " Okay, that's fine, hun. So I just need to verify that information and then I can continue on. '' Me : " I am not giving out my personal information until I know who is calling. '' Caller : " Okay, again I can't say until I verify that I am speaking to the right party so I don't give out information to somebody that I shouldn't be giving it out to. So again I do have your date of birth if you could just verify if that was right or not. '' Me : " And what do you have? '' Caller : " I have [ removed ]. '' Me : " That is correct. '' Caller : " Okay, my name is XXXX [ removed ] and I am with Alpha Recovery Corp. This is an attempt to collect a debt by a debt collector, and any information obtained will be used for that purpose. This call may be monitored and recorded for quality assurance. By continuing this call you are providing your consent. This call is regarding our client which is XXXX XXXX, XXXX, for XXXX XXXX XXXX XXXX. They sent an account to our office for collections for [ amount removed ] and due to the delinquency of the account, we just want to know how you want to get this resolved. '' Me : " I'm not familiar with that company, please don't contact me again. '' Caller : " Okay, thank you. '' [ Call end. ]
Product: Credit reporting or other personal consumer reports

I received and reviewed a copy of my credit report and noticed I had fraudulents accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

Gemini is a crypto currency exchange that is located in XXXX XXXX 

I had purchased XXXX through their exchange yet they are not allowing me transfer my XXXX to my external wallet. 

The message received was that there is a security hold on the account which is confusing as I've sent XXXX to the same validated address from Gemini in the past. 

They have asked me to again validate my identity by providing a real time picture and my identification to which I have complied. 

It's now over a week and they have yet to resolve the matter. They are wrongfully holding my currency without allowing me access to it. 

The ticket I have opened with Gemini is : Ticket ID : XXXX If you could please assist in resolving this matter so that I may once again be able to transfer out my XXXX to my external wallet, that would be much appreciated.
Product: Debt collection

Receiving daily phone calls to collect debt for XXXX XXXX ( not sure on spelling ). Phone call asks to press XXXX to confirm you are this person since I do not know this person and it is a different last name I just hang up the call but calls continue to come every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX Credit Burea hard inquiry is on my credit report but its not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear Sir or Maam, I have a bankruptcy on my 3 credit bureaus that state a date of XX/XX/XXXX. The actual bankruptcy was in court back in XX/XX/XXXX. It should be removed by FCRA laws in XXXX. 
I have contacted all 3 of the bureaus and they all state that they are planning on keeping the bankruptcy on my reports until XX/XX/XXXX but I must request the removal at that time only. Even with a XXXX date, it is only 5 months away. Couldn't they removed the bankruptcy at this time? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of three companies who are XXXX, XXXX, and Transunion. 

XXXX has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX. 


However, the credit XXXX XXXXXXXX by the name of XXXX, has verbally told me he could not understand why XXXX, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect BK discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and XXXX has my score at XXXX through the MY FICO app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in XXXX, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to XXXX with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit reporting Act, this creditor ( NetCredit ) has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in regard of the recent CFPB lawsuit highlighting the issues with the platform. Despite using Zelle countless times and reporting the issues and discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering any lost funds was impossible and that tracking them were not possible either. The CFPB 's findings indicate that Zelle has not only neglected to protect us but has also allowed repeat offenders to exploit the system. Which left us vulnerable to scams. This lack of accountability and transparency is not acceptable and raises concerns about our safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I noticed a hard pull for my credit report from MLD Mortgage. I have never agreed in a written form or verbally for them to do so. They apparently abused the information they have on me in their database ( MLD is my current lender and I provided my ssn to them before ) This is definitely not acceptable to me and I would like to take action to protect my own privacy and rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with Equifax. Please see attached certified mail and receipts. According the FCRA, Equifax violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction