23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax and XXXX XXXX about account XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

Equifax nor XXXX has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to Equifax and XXXX, ( Please see the current Federal Trade Commission Affidavit. Please attach it to XXXX as well. I added it because I forgot to add XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # 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 thoroughly. They informed me that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings will finally hold this company that allowed repeat offenses of fraud and left the customer base vulnerable accountable for their actions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and a FTC report according to the FCRA and submitted disputes to the credit agencies. These disputes are not being processed correctly and the paperwork is not being submitted. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Third Dispute of Incorrect Information on Credit Report Dear Equifax Dispute Department, I am writing to formally dispute inaccurate information reported on my credit report. Upon reviewing my credit report, I have identified an error regarding the reporting of a charged-off account. Despite my previous reports on [ dates of previous reports ], this issue remains unresolved. The details are as follows : Account Number : Balance is {$460.00} XXXX XXXX {$300.00} Closed Account - Creditor Name : XXXX XXXX XXXX The account mentioned above is reported as a charged-off account, yet it continues to show an outstanding balance that is being factored into my credit utilization ratio. This is incorrect and does not comply with standard reporting practices for charged-off accounts. 

Charged-Off Account Reporting : If a charged-off account is still reporting a balance, that balance should not be included in the calculation of my credit utilization ratio in the same way as active revolving credit accounts. Charged-off accounts are typically removed from the calculation of available credit, meaning their limits are not considered in the denominator of the utilization ratio. The continued inclusion of this balance has resulted in an inaccurately high credit utilization ratio, adversely affecting my credit score. 

Request for Correction : I respectfully request that Equifax : Remove the balance of the charged-off account from the calculation of my credit utilization ratio. 
Recalculate my credit utilization ratio to reflect the accurate available credit and outstanding balances. 
Update my credit report to reflect these corrections and provide me with a corrected copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Product: Credit reporting or other personal consumer reports

on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1.Lvnv XXXX. XXXX XXXX requested a deletion due to the information being wrong and failed to get back to me within 30 days Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified. 
I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action. 
Thank you for your immediate attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, 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. 

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

On XX/XX/2023, I received a letter from, First National Bank of Omaha ( fnbo ), informing me of an increase in my interest charges. 
In the letter they stated that they obtained my credit score from XXXX on XX/XX/2023, and based on that score, which they stated was " XXXX '' my interest rate is increasing to 27.24 % starting XX/XX/23. 
When I checked my XXXX account on XX/XX/23 for scores, I found my score to be XXXX not XXXX. 
I then checked my report, from before XXXX ( XXXX ) and it was XXXX, I then checked my report for XXXX again it was XXXX. 
I called customer service and explained to them that my XXXX score was XXXX not XXXX and asked them where they got their score from. They completely blew me off and told me that if I had an issue, I must contact XXXX. 
I contacted XXXX and they said my score was XXXX. They also told me that fnbo was using XXXX Data not XXXX Score and using their own formula to get the XXXX and could not tell me which scoring model they used. 
I did have my report sent to me. 
I called fnbo again, and told them what XXXX said about their score, they insisted that they were using my XXXX score to wich I replied but it is XXXX not XXXX. Again, they said if I had a dispute, I had to take it up with XXXX. 
After receiving my XXXX credit report still showing my score as XXXX. I discovered that fnbo accessed my XXXX credit report on XX/XX/23 not XX/XX/23as stated in their letter. 
So my complaint is this, First National Bank of Omaha is not using XXXX XXXX to make the discission to rase my interest rate as stated, but they are using their own formula to create their own score, to raise rates on an account that has never been delinquent or over drawn.
Product: Checking or savings account

Brclysbankde-bank And my credit was ran by this company and it was not me at all who ran it
Product: Debt collection

I worked with a Debt Settlement company named  XXXX   XXXX   XXXX ,  XXXX  to pay off my loans with pay day loan lender AmeriCashLoans. Which I was not made aware nor contacted by AmeriCashLoans that they had put in a request for a wage garnishment without my knowledge when I have proof of record that I paid   XXXX   XXXX   in full in the amount of {$2300.00} for this company to settle the debt I had with AmeriCashLoans I called the corporate number that handles the wage garnishment and was treated and spoken to so poorly by a representative named  XXXX  who immediately placed me on hold to find out information regarding the reason my wages were being garnished, She returned back to the phone conversation after  XXXX  minutes to say "  XXXX  '' her supervisor said she spoke someone today about the debt settlement and its not their fault my wages was garnished without my consent or without me proper attempts to contact me that the debt agency has not communicated with them. I have never had any type of garnishment occur and for this to happen without my knowledge is wrong when I took the proper steps to settle my outstanding loan with americashloans I was a long term client of americashloans and never had such poor service, and miscommunication happen with while doing business with them And for the customer service department to think its alright to take funds out of someone pay is just wrong.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Upon viewing my credit file, I've noticed some alarming details in reguards to my private transaction history on various accounts listed. Which is a clear violation of FCRA specifically, 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 u.s. code 1681a ( 2 ) ( i ) which states " ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Reporting transaction history is illegal. Experian is in clear violation of the FCRA
Product: Debt collection

We have been constantly contacted XXXX times a day each by Kia Motors Finance XXXX We made a payment and continue to receive multiple harassing calls sometimes before XXXX. My husband was called at XXXX this morning ( XXXX ) after we made a partial payment ( XXXX ) as harassed to do relentlessly. We have reiterated multiple times we would zero out the owed balance on Friday XX/XX/11. Kia continues to call via their automated system every XXXX hours to demand payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX   XXXX and XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I Had 10 fraudulent charges on my account totaling over XXXX dollars. I filed a claim and 9 days later I received a credit. However Wells Fargo knowing my Debit Card was being used by someone other then myself never canceled or changed card numbers. Now my card has been used again without my permission for an online gambling site. I believe these fraudulent episodes in the month of XX/XX/XXXX were related and could have been completely avoided if Wells Fargo would have canceled my debit card number after the first fraudulent dispute I filed on XX/XX/XXXX I believe. I now have to go through this entire process again because I feel Wells Fargo did not handle this correctly and help prevent this. On XX/XX/XXXX I filed the second dispute totaling over XXXX. On XX/XX/XXXX I received an email saying my dispute was not approved. First thing it said was the reason why they never canceled my card from the previous dispute was because it wasnt a fraud dispute. However this is absolutely not true. If you listen to the phone conversation I had when I made the claim I clearly stated I received an email saying there was 20 % bonus credits being offered. So I decided to try it out. The screen said there was an error please try again, so I did maybe 3 times total. Next thing I know these charges were actually going through and someone other then myself continued to make charges again and again I believe there was over 10. In the conversation I also stated I am starting to believe the original email I received might have been fraudulent and I fear I possibly was being scammed. The letter also stated that another reason was the account balance was checked several times before the claim was submitted. This is true. However I was told charges that were still pending could fall off therefore they need to be no longer pending. As soon as the charges were no longer in pending status I filled the dispute. This was the same day they were no longer pending. Next reason they stated was I used this service prior. This is true hence the reason two charges I did authorize were not included. The debit card should have been canceled after the first dispute and this would not have happen for the second time. I assure you if you listen to the conversation I had when I filed the claim on XX/XX/XXXX you will understand what I mean. when I state my card should have been reissued. Thank you
Product: Checking or savings account

XX/XX/year> Already being a member of TD bank, I opened a savings account with TD on my mobile device and transferred {$1000.00} from my CHECKINGS to my SAVINGS account. 

XX/XX/year> THE SAVINGS ACCOUNT WAS CLOSED WITH {$1000.00} IN THE ACCOUNT. 

WITHIN THE NEXT WEEK, I WENT TO TD BANK BRANCH IN XXXX NJ & was told the account was closed due to the fact that it was opened thru a mobile device it flagged the account as Fraud & resulted in a closure. 
After trying to figure out WHO closed the account and failure doing so, I was told by XXXX that a check will be mailed with the missing a funds. 

I waited 6 months, never received anything. Went back to the branch to figure out why/what happened I was told they had no idea and the next step was to check if a check was mailed/cashed and if not, rewrote & reissue the check. 

Now a year and a half later, I went to the branch almost 5 times, each time being told that someone will email/call me with follow up information but still NONE. the last find was to figure out if the check was made, sent and cashed. and still no one can tell me whether it was, and still no one reissued another check to me. 

Now as im following up, the workers are unable to find the account number for the Savings account closed and having difficulty locating who closed the account and now telling me they dont know what to do because they didnt close the account. 

When I was already informed I will receive a check with my missing funds, im not being told they dont know what to do next.
Product: Debt collection

This company has removed and put this from my credit report several times and put it right back on. I have somehow two issues with this company. The first one says it was opened on XX/XX/XXXX for XXXX and the other XXXX XX/XX/XXXX for XXXX I have no knowledge or written documents.
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies XXXX Equifax XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXXXXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX  Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card was supposedly used for 2 cash withdrawals for {$350.00} and {$390.00} in an unknown ATM with the only information being provided by the bank as the financial institution being XXXX with zip code XXXX somewhere in XXXX. I contacted XXXX customer service as soon as I saw the charge on XX/XX/XXXX at XXXX ( XXXX time ) regarding the fact that I had not made those withdrawals. They stated that they would investigate, cancel the credit card, and remove the charges. I asked if they could send me a new credit card to my hotel, since on their website they state " If you need to make purchases or a cash advance, you can receive a temporary card within one business day ( if in U.S. ) and two business days elsewhere. '' but they told me that this was not possible. I was left stranded in XXXX for the remainder of my trip without any type of credit card or money. On XX/XX/XXXX I access my account only to see that the charges where placed back on my account, when I was explicitly told that they would not and that I would not be held liable or accountable for such charges. When I called customer service they state that they consider them as fraud because the chip technology the pin number was used. I have never used such pin number and I have no idea what the pin number is, and even so they still say that they can not do anything regarding these charges. They want me to pay the {$740.00} of charges plus a fee of {$20.00} per cash withdrawal transaction for a total of {$780.00}, when in no moment where these withdrawals made. They have evidence that I have never made a cash withdrawal and yet they expect me to pay for a new cash withdrawal that I supposedly made without any information regarding the bank, ATM, time, or location of the ATM.
Product: Consumer Loan

I lost my job shortly after purchasing my vehicle. I 've tried numerous of times to set reasonable arrangements on both my personal and car loan. I 've asked for clarity and everyone seems to provide different information. The branch manager was very rude and unhelpful. I went higher up the chain to the DM XXXX XXXX. XXXX is horrible. She 's also very unhelpful and argumentative. Each time I 've contacted her for information about my loans and options, she 's given me inaccurate information. I visited another the branch, and they were only able to produce 4 months worth of payment history. No one can answer my question of " who is above XXXX?. '' I 've never seen business like this. I 've visited other branches in the past and received much better care. I 'm just shocked that XXXX would have someone like her in a management role.
Product: Checking or savings account

I will processing with this company called " Paysafe '' they approved me on {$25000.00} when I made my first payment my account instantly went into review. They told the reason why is because your bank account can not be located which is a lie. I get deposits there all the time. This took about 3 days, so my advertisements are off I'm not making no money and they took every $ that my customer sent them. They came up with another excuse they wanted me to change my XXXX to my name and it took paperwork signing no problem once that is done everything is completed, 1 day later my account is canceled due to " bank statements not supportive, delayed delivery timeframe due to products come from XXXX, decline ratio, and forced sales ) '' That is lies my stock is here in america, My statements are 100 % from my bank with my name and all needed information. The decline is due to a AVS system in authorize.net that is not my fault and forced sales? what is that?
Product: Debt collection

They contacted my employer to collect a debt, my employer is a corporate company who does not accept these calls. I can lose my job if they continue
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account XXXX I firmly believe that this limitation has been made in error, and I would like to appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policies, terms or conditions. I have always been a responsible and conscientious user of PayPal, and I have never engaged in any fraudulent or illegal activities on this platform. Therefore, I fail to see any reason for my account to be permanently limited. 

Secondly, I would like to request PayPal to re-investigate my case thoroughly, and to take into account any evidence that I can provide to support my claim. I strongly believe that if my case is reviewed again, the mistake that led to the limitation of my account will be rectified, and my account will be restored. 

Lastly, I would like to emphasize that my PayPal account is of great importance to me, and it plays a vital role in my daily financial transactions. Therefore, I would kindly ask you to expedite the investigation process and restore my account as soon as possible. 

Thank you for your attention to this matter. Please do not hesitate to contact me at the email address XXXX if you require any further information. 

Yours sincerely, XXXX XXXX