23daVinci/CFPB_Complaints huggingface dataset:
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. Current 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 item 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

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

I am writing to formally express 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 has mot 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to the 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 instruction.
Product: Debt collection

This company has put an erroneous entry on my report from XXXX apartments and Fair Collections and Outsourcing. The only verification anyone has received about this entry, is verification of my name and that I lived there, which was never the dispute. I do not owe this charge. This company failed to provide me with the photographs they claimed to have showing the things I was being charged for nor did they provide me the receipts proving they paid out for these charges. No business would pay this kind of charge without confirming the alleged damage and proof of the repairs.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates from XX/XX/XXXX through to XX/XX/XXXX that are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  XXXXXXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up for a citi simplicity card, was approved, and requested a balance transfer from my XXXX XXXX private student XXXX loan for {$3100.00} on XXXX, 2016. It was shown as approved by Citibank on XXXX XXXX, 2016. However, it was not reflected on my XXXX XXXX Account. I called citi multiple times and reached out online beginning XXXX XXXX to dispute the charge and have not heard back regarding the resolution. I am currently paying double since I have the balance transfer to citi as well as the XXXX XXXX loan. I tried signing up for this to avoid paying a 12.75 % interest rate and instead I am still paying that PLUS paying down a balance transfer -citi has doubled my debt and has not resolved my issue. They also promised a call back from a manager during business days, but instead called on a Sunday left no message and sent an email saying " they tried multiple times to reach me with no response. '' this is causing me financial hardships as i try to juggle these bills and pay for childcare for my son along with additional federal student loan payments that I continue to make monthly. the customer service at citi is atrocious, i ca n't get a straight answer, and I 've been disputing this charge since XXXX XXXX which puts me at XXXX XXXX with no resolution. I am now out XXXX ( inclusive of the balance transfer fee they 've charged me ) and I 'm paying this amount to citi for a balance transfer they never fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$550.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

I reached out to the company to get a verification of debts for an account of XXXX XXXX and for United Revenue Corporation on my account in XXXX of 2023. 

I have yet to still see any response this Credit report agency has failed to follow dispute procedures, also has failed to conduct an initial internal investigation within 30 days, the third violation was they did not inform me of the results within 5 days. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting. 


Pursuant to 15 usc 1681 ( a ) ( 2 ) g Your company 's mistake has caused me serious harm. Serious harm means any harm, whether physical or non physical, including psychological, financial, or reputational harm. My reputation has been negatively impacted. 
Since your company ASSUMED this role, it depends upon an honest evaluation. You have not received expressed permission from me, the consumer, to report these inaccuracies. And since you assumed this information was valid. This is a direct violation of my consumer rights. 

When you furnished this inaccurate information without doing a thorough and fair investigation you violated my rights. As a result of you not validating this information before Reporting To my consumer report, you have breached my rights to privacy.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file over and over as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint multiple times and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

Attempted to make payment on my XXXX XXXX card. Could not log in to website to make payment on time ( XXXX XXXXXXXX ). Called phone number, could not get through to agent, was told by recording there is a fre to pay over phone. Was able to make payment several hours later when website was working again. Charged {$30.00} late fee for paying on due date but after their arbitrary cut off time designed to maximize late fees. I called customer service back and the woman acknowledged that there was an outage and agreed too refund the late fee. I checked my account days later and only {$15.00} was refunded. I called back and was refused a full refund, rep stated I should have paid by phone. Rude and condescending as was the supervisor. Seems like extremely predatory practice.
Product: Vehicle loan or lease

I need my payments tooken out in the XXXX of every month and to be lowered as low as possible I want to take part of the COVID 19 protection plan I can not afford these high payments ty
Product: Student loan

I am currently under forbearance due to the SAVE litigation. However, MOHELA billed me a monthly payment for end of XXXX without any notification and I am now seeing a past due bill. I should not be receiving any bills or payment requests while under the SAVE forbearance -- let alone being billed suddenly for the first time in months without any notification. I have tried repeatedly to speak to MOHELA with no avail nor callbacks, being repeatedly quoted " 3 hour plus wait times ''. I need this incorrect bills to be rectified otherwise will hurt my credit score. Or if these are payments I can resume that will count towards loan forgiveness, MOHELA must inform me so I know how to proceed. I will not make payments that do not count towards my loan forgiveness during this SAVE litigation.
Product: Credit card

Examine the attached documents. I urge the bureau to investigate these accounts, as I have never been late, yet they are inaccurately reporting me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a letter WITH all identifying information to prove who I was and cited errors on my credit reports but way of employment info, hard inquiries and a collection from a company that NEVER supplied the original information showing I owed them instead of the so called original creditor. They sent a letter on XX/XX/year> saying the identifying information was illegible when I have sent the same information- same size font and all on purpose to prove their XXXX  behavior. And indeed- they stalled saying they couldnt read what I sent! This egregious behavior is uncalled for.
Product: Credit card or prepaid card

I was out of work for over a year and a half starting back in XXXX of XXXX. Ive been back working a little over XXXX months now. But during this hardship I faced I have not been able to keep up with my monthly payments. Unfortunately I missed XXXX payments on my account dating back to XX/XX/XXXX and more recently in XX/XX/XXXX which has dropped my credit score significantly. l have called asking for help to remove those XXXX 30 day derogatory marks off my credit report in turn supplying good faith that I will not miss another payment moving forward. But they cant help me in that aspect Ive been told repeatedly though they did remove some of my interest amount off my account which was very kind of them in that regard. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides these XXXX unfortunate events. Ive still remained a loyal customer to this retailer despite all that has occurred.
Product: Checking or savings account

I previously made a cfpb complaint about overdraft fees charged to me when I have not authorized overdraft payments. Please see cfpb complaint # XXXX and the feedback I provided for more details. 

In their response, M & T Bank claims that I authorized overdraft payments. ( See the document " XXXX XXXX XXXX Resolution Package '', page XXXX ) However, the information I simply obtained through the M & T website for my account shows that I did not authorize overdraft selections and that this choice was made long before the overdraft charges. ( See the document " M & T Overdraft Selection '' ). This is the only selection regarding overdraft fees that is accessible through their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new motorcycle from Honda with Honda Financing for the loan in XX/XX/XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XX/XX/XXXX. I notified Honda of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to Honda, however, Honda said I was late making a payment. My GAP insurance sent Honda a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called Honda. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of Honda. I have been communicating with Honda and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.
Product: Credit reporting or other personal consumer reports

I did not authorize this company to run my credit, therefore i am requesting these inquiries be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  XXXX  # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} TRANSUNION : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

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

XXXX XXXX ( XXXX ) Account number : XXXX Contract caller inc ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX credit card ) Account number 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
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a XXXX plan. They told me my account would be active in 1-2 weeks. 
On XX/XX/XXXX, after trying to use my service for the third time, I Still could not watch a movie. So I sent XXXX a cancellation request email for their service. I received no response of course. 
On XX/XX/XXXX, I filed a dispute with my Citi XXXX, where I placed the XXXX charge. They immediately refunded my money. 
On XX/XX/XXXX, XXXX messaged me regarding the chargeback request and the suspension of my account stating that if the vendor upheld my payment, I would need to email them to get my account reinstated. 
On XX/XX/XXXX, Citi messaged me with an updated stating XXXX had responded to their inquiry. They reinstated the {$110.00} charge on my account. 
on XX/XX/XXXX, I emailed XXXX and asked them to reinstate my account. No response. 

An individual pays {$110.00} to watch 2 movies a month. Out of my entire service, I have maybe been able to watch a single movie. I do not think it is fair to charge for this service as I can not use it and even when I try to use it, it A ) does not work or B ) XXXX did not reinstate my account to use it. I am not a chronic disputer. This is the only dispute I have ever filed with Citi. I do not want to pay for a service I can not use and neither do I want to use anymore at this point. XXXX is the WORST vendor I have ever worked with.