23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute fraudulent information on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that this information be blocked. The account entry in question resulted from identity theft, as I did not authorize the sharing of my non-public information. According to 15 U.S.C. 1681b, regarding the permissive purposes of consumer reports, I never provided written consent for you to report any of this information. Therefore, it is considered fraudulent.

Enclosed is a copy of my police report/FTC Identity Theft Report ( Report Number : XXXX ) to substantiate my claim of identity theft. As outlined in 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any disputed information resulting from identity theft within four business days.
Product: Credit reporting or other personal consumer reports

FTC report enclosed, my deed and a bill showing my correct address, my correct address is XXXX XXXX XXXX, XXXX, Al, XXXX. XXXX report enclosed showing that they remove the accounts that was listed on XXXX report.
Product: Credit reporting or other personal consumer reports

Experians continued failure to correct the inaccurate reporting of my XXXX  XXXX XXXX ( Account XXXX  ) as " CURRENT, WAS PAST DUE 30 DAYS '' is completely unacceptable. Despite multiple disputes and clear evidence that the information is wrong, Experian has refused to update this account to reflect the correct status of " PAID OR PAYING AS AGREED, '' as XXXX and XXXX have already done. Why is Experian ignoring its obligation to ensure accuracy and fairness in its reporting? There is no justification for this negligence, and it must be corrected immediately. Under 15 USC 1681e ( b ), Experian is legally required to maintain maximum possible accuracy in my credit report. When notified of an errorespecially one proven by evidenceit is your legal responsibility under 15 USC 1681i ( a ) to conduct a thorough investigation and either correct or delete inaccurate, incomplete, or unverifiable information. Repeatedly ignoring these obligations is not just carelessnessit is a violation of federal law. This failure has already caused harm by misrepresenting my creditworthiness, creating obstacles in obtaining credit, and leading to unnecessary stress and financial setbacks. Every day Experian fails to fix this issue constitutes a violation of the Fair Credit Reporting Act, and under 15 USC 1681n and 1681o, Experian may be held liable for damages of {$1000.00} per violation, along with additional compensation for actual and punitive damages. You have no excuse to continue allowing this inaccurate information to damage my financial standing. Experians refusal to correct an error that the other credit bureaus have already resolved shows a blatant disregard for consumer rights and federal regulations. I am demanding that this account be immediately updated to reflect " PAID OR PAYING AS AGREED '' to prevent further damage. STOP MAKING ME DISPUTE THIS ISSUE OVER AND OVER AGAIN.its unreasonable and unlawful to expect me to keep doing this. If Experian does not comply promptly, I will escalate this matter through legal channels, regulatory complaints, and any other available remedies under the law. It is time for Experian to correct this failure without further delay.
Product: Payday loan, title loan, or personal loan

I opened a line of credit online with cash 1 in XX/XX/2023. The type of credit I applied for was a personal loan. I was approved for XXXX dollars and a XXXX dollar one time fee was added to that, so my loan amount should have been in total XXXX dollars. I live in Arizona where 10 % is the max apr. The total apr for this amount should be XXXX. I do not have a vehicle, and did not apply for a title loan. Apparently one of the online employees added a vehicle not belonging to me to the paperwork. I did everything online, and never was given any paperwork through the mail, email, or through the telephone app, nor can I find a copy of any of my paperwork. I have already paid XXXX dollars towards interest alone on this loan, three times what it should be for the entire year. I can prove I never owned a XXXX XXXX XXXX which is the vehicle they are claiming I put on my paperwork. They are intentionally and illegally frauding me. They refuse to fix this situation. I really need help. I'm a XXXX XXXX XXXX woman, so these fraudulent charges are coming out of my social security check every month. I have paid in total so far XXXX dollars of a XXXX dollar loan. With the interest added on, I should only owe XXXX, but they are saying I owe XXXX dollars. That's more than I even borrowed. I had no way of knowing they would do this, and the company shows XXXX  interest in correcting any of it. Please help me.
Product: Credit card or prepaid card

Over multiple years, I called and requested never to receive credit card applications in the mail from Bank of America ( I am an account holder ). At the time I was granted manager assurance that I will not longer receive card applications ; also that I have made it onto the correct list time. Flash forward 6-8 month later after moving to a new address, I received a credit card application in the mail. I called Bank of America again and a customer service specialist ( after 30min on the phone ) informed me there is nothing he can do. I went on to question him about his policy and what I have to do to never get another application in the mail. He again told me he could do nothing. It turns out the system is set up to pull only address from their database and is not linking in any way to the active account ( I already have with them ). The same account with the current updated address that can not be mailed to. That is how I received another application in the mail ; THEY FOUND A LOOP HOLE. So every year after I move to a new address I will have to call them to update my address and then go on to another specialist just to specifically ask the new address be added to the DO NOT MAIL list. UPON which he stated it takes them 90days to process that request. I CONSIDER THIS A YEARLY RISK TO MY PERSONAL FINANCE SECURITY. Every Year for three month I will receive card application in the mail. And nothing I can do changes this fact with current Bank of America Opt Out mailing policy. They do not link you new address to your account  when mailing.
Product: Credit card

MY ACCOUNT WAS BLOCK FOR USING THE WRONG ACCOUNT FOR MY CREDIT CARD FOR CAPITAL ONE NA I HAVE TRY TO WORK WITH THIS COMPANY SEVERAL TIMES DOING WHAT THEY HAVE ASK ME TO DO AND TO CALL THE OTHER BANK WITH THEM ON THE LINE AND EVERY SPECIALIST AND EVERY TIME I HAVE TRY TO MAKE PAYMENTS ON THE ACCOUNT CAPITAL ONE HAS REFUSE MY ACCOUNT. AND NOW HAS MY ACCOUNT OVER THE LIMITED.
Product: Money transfer, virtual currency, or money service

After two attempts to resolve the issue regarding California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and the unauthorized filing of my XX/XX/XXXX Income Tax Return. No only did CA Check Cashing Stores file my XX/XX/XXXX Income Taxes without authorization/permission, they continue to lie to the Consumer Financial Protection Bureau.

CA Check Cashing state that I authorized and signed a form giving permission to file my XX/XX/XXXX income taxes. They have submitted a fraudulent form to the Consumer Financial Protection Bureau. The Form submitted has a signature, but IT IS NOT MY SIGNATURE. I NEVER AGREED TO HAVE MY TAXES FILED AND CERTAINLY DID NOT SIGN ANY FORMS.

What can Consumer Financial Protection Bureau do for Consumers?????? This is the third and last complaint. I feel that I have exhausted all other avenues for resolution. The final step is hiring professional counsel. So if Consumer Financial Protection Bureau has any authority regarding dealing with Fraud and this CA Check Cashing Company, I request that action is taken immediately. We are reaching the end of the tax year and no amendment has been made thus far. Thanking you for your time regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXXXXXX XXXXI Account # : XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. 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 officially moved out of XXXX XXXX apartments in XXXX, XXXX on XX/XX/2022. On XX/XX/2022 I received an email from them with my last invoice and that total was {$220.00}. They said, that I had 30 days to pay it in the email. On XX/XX/2022 I went to XXXX and made a cashiers check so I could drop off the remaining {$220.00}. I live right down XXXXhe street from XXXX XXXX so, I decided to drop off the cashiers check. They gave me my end of the stub and the {$220.00} was deducted from my account on this day. The manager told me I was good and the account was satisfied. I just checked my credit XXXX, XXXX  and I had an amount of {$220.00} sent to a collection agency from XXXX XXXX. This is blemishing my credit and is frustrating because I have a collection agency asking me to pay this amount again and having my credit impacted by this when I already paid the amount due. Thank you for your time and I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX TRANS UNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed & submitted my first dispute to my consumer report on XX/XX/XXXX to Early Warning Services in order to remove a report my my file. I was told that my issue would be reviewed within 30 days. 

On XX/XX/XXXX, I followed up with Early Warning Services, only to find out that my dispute was not recieved nor resolved. Afterwards, I faxed and submitted my second dispute in regards to the same issue.
Product: Credit reporting or other personal consumer reports

LexisNexis has old information on me that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

My mortgage loan was transferred to Specialized Loan Servicing in XXXX, 2015. I had an auto payment set up with the previous company that SLS took over. I wanted to switch checking accounts for payment and initially contacted SLS in XX/XX/XXXX. The customer service rep told me it was done. I should confirm that no payment was made in XX/XX/XXXX and if it was, I should call again. 

Well, payment was withdrawn from my old checking account in XX/XX/XXXX. I called SLS and repeated the process. Even though the SLS service rep confirmed the change was made and I received a confirmation letter stating the change was made, funds continue to be withdrawn from my old account. This has happened every month for the last XXXX months. I have written XXXX letters to complain on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. 

A response letter dated XXXX/XXXX/15 requested my bank statements showing payments drafted to SLS and stated " we have found no errors ''. I attached a copy of the cancelled check with the XXXX/XXXX/15 letter. I did not wish to provide my entire bank statement since I do not trust this company with my personal finance information. 

For XX/XX/XXXX and XX/XX/XXXX, SLS received double payments, one from my old bank and another from an electronic payment from my new bank. The extra payments sit in suspense and did not go towards paying down my principal. Even though I asked for a refund of the extra payment on XXXX/XXXX/15 when it first happened, no refund has been issued. SLS should have all the information they need to cancel my ACH as requested and not continue to withdraw funds against my explicit non-consent. This constitutes fraud. They are holding my funds for no services.
Product: Credit reporting or other personal consumer reports

I need these inaccurate accounts to be removed ASAP XXXX. Late payment from XXXX XXXX XXXX Date of Late Payment : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX Thanks,
Product: Money transfer, virtual currency, or money service

So I got a money transfer and I go to the XXXX XXXX  on XXXX and XXXX XXXX XXXX Arizona and they tell me that they can't give me the money until the funds are posted to my account okay at this time the phones are processing they're not posted yet okay so I go couple days later I go to the other bank on XXXX XXXX and XXXX  and the money is still processing and they gave it to me with no problem they said nothing about it having to post my account before I got the money nothing about we can't give you the money until the money posted nothing about none of that and it really kind of irked me because why is XXXX come XXXX business doing this and the same business but a different place of business is doing this I don't get it so I made a big old fuss and that was it
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$700.00} & {$860.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Checking or savings account

i would like to get my bonus of {$300.00} they say i cant get it cuz it took ssi to long for direct deposit by 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

opened : XX/XX/2018 Balance : XXXX I called to see where the bill came from and was told it was from me last apartment. I spoke to a representative befor I moved to make sure all my bills were pay in full and accounts closed.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX - Account number # XXXX XXXX  XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX  - Account number # XXXX XXXX  - Account number # 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a Final Dispute Resolution and Updated Credit Report from Transunion confirming that the XXXX XXXXXXXX Account # XXXX was deleted from my credit file. I previously submitted an FTC Identity Theft Affidavit, Police Report, Letter and Proof of my Identity to Transunion via Certified Mail and requested an IDentity Theft Block of this information in XXXX and XXXX under FCRA 605B. Transuion didn't comply with the block and initiated a dispute which I didn't request which was finalized on XX/XX/2024. In XX/XX/2024 Transunion violated FCRA and reinserted the previously deleted XXXX XXXXXXXX Account on my Transunion Credit File Number XXXX with no notice and violated 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) in which I am requesting payment of {$1000.00} as well as the block/removal of the XXXX  XXXX credit listing that was previously deleted on XX/XX/2024 and reinserted in XX/XX/2024. I am not requesting any opening of disputes as this prevents me from having access to my credit file. I am NOT requesting any blocks or fraud alerts or freezes to my credit file or any retaliation from Transunion preventing access to my credit file as I need ongoing access to monitor my credit.
Product: Credit card

My closing agent mailed XXXX checks to payoff my XXXX CITI credit cards on XX/XX/XXXX. The XXXX checks were cashed by CITI on XX/XX/XXXX, as of today CITI still does not apply those funds to my accounts and they are charging me late fees and reducing my credit limit because I " owe '' money to them.