23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regardi Zelle 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 institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact SageStream credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because SageStream is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to me.
Product: Mortgage

I completed a mortgage refinance with XXXX  in XX/XX/XXXX. I made the first 2 loan payments ( by check ) for the payments for the payments due XX/XX/XXXX and XX/XX/XXXX. Both payments ( $ XXXX/each ) were made and the checks cashed in XX/XX/XXXX. In late XXXX the XXXX  loan was transferred to AmeriHome for loan administration. The two XXXX  checks have never been applied to my AmeriHome loan account. I have made several attempts to get this cleared up since early XXXX even communicating with the Office of the Presidency. I have sent AmeriHome the XXXX  loan number, electronic copies of the 2 checks along with the XXXX checking account statement that references the 2 check debits. None of this has gotten me anywhere over the last several weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notice from Experian telling me the information I disputed has been verified as accurate, I have repeatedly request method of verification and have been ignored. According to the Fair Credit Reporting Act ( FCRA ), to my understanding the credit reporting agency is required to give me a method of verification within 15 days of your request. This should be hard evidence that goes all the way back to the original creditor.
Product: Debt collection

Recievd bill from debt collector ERC in regards XXXX XXXX for a bill of XXXX which is incorrect. My service was cancelled with XXXX due to having no service dropped calls and poor service.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : XXXX XXXX Previous Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

I had a secured card that I aid XXXX. In XXXX I asked for the card to be closed it was almost closed to XXXX. It never closed and since then they have charged XXXX in interest and late fees. We only new when they said me a letter in the mail last month. I called last month lady stated she would send my information to a supervisor no call and more interest.
Product: Credit reporting or other personal consumer reports

XXXX is showing late payment on my account. I have never been late on this account or any creditors. I have explained to rep that this account was XXXX balance and apperantly I was invoiced for interest charges and never received an invoice for it. 
I have requested multiple times for XXXX and EQUIFAX to reflect correct information and XXXX just responds by saying this account has been investigated and it's accurate. UNDER FCRA LAW 15 USC 1681 ( a ) ( XXXX ) ( b ) ( XXXX ) XXXX needs to provide a written investigation with the validity and accuracy of my account with them. As this has never been late.
Product: Debt collection

Representative called me at work, he began right away questioning if I was going to pay the creditor the funds I owed them, " and than stated of course you have a {$39.00} debt owed to some other folks ''. I asked him to please call me at home not to call me at work, his reply was, due to this being your debt why dont you call me back. If I do not hear from you, I will call you at work. I attempted to tell him, he is not allowed to call me at work after I have asked him not too. He began with Are you sure about that, are you a lawyer? " Let me give you the scope on that ''. I told him I was at work and that I could not talk and I hung up. He was rude irrogant and unprofessional. I do owe the bill, as I stated to him, the hospital never submitted a claim to insurance. He was rude, and to me threatning. How many complaints have to be made regarding H & R Accounts in XXXX, Il before something is done.
Product: Checking or savings account

I deposited a check from my employer. Ive waited over two weeks now for my funds to be accessible. Bank of America keeps denying me my funds.
Product: Credit card or prepaid card

This is concerning a charge on XX/XX/2020 for a XXXX  purchase. I filed a dispute with Chase in order to get my money back because I never received the item and the buyer cancelled the order. After several weeks of waiting I received a notice saying that the dispute was found not in my favor because they did not receive any proof of return from me. I once again stressed to them that the dispute concerns an ebay ordered that has been cancelled and I did not have any product to return because I did not get any product to begin with. Now, this repeats for a couple more times, with me writing to them that I disagree and clarifying the situation with supporting documents, and then on XX/XX/2020, I once again send a letter to Chase clarifying that I disagree with their decision and will not be paying the charge because the order was cancelled and I did not receive any product so there is nothing for me to return. I even included message logs between me and the buyer that indicate that the order is cancelled and that nothing has been shipped out to me, I even included ways that they could contact him in order to verify the situation. Even with all that information, just today I received a notice saying that the dispute has once again been found not in my favor, so I here I am today, five months after the date of purchase, with no money returned and product on hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX  and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the first of XXXX I sent letters to all three bureaus XXXX XXXX, and Experian. It has been well over 45 days. On the XXXX of XXXX I received a letter from XXXX ignoring my request for original documentation. According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Instead I was denied my request of my right to the original documentation with no resolve. The other XXXX bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.
Product: Checking or savings account

Hello so I have a business with my uncle and I got my share of money and I ask him to put it into my account via XXXX and he did so when I went to my bank just to take some money out to pay my rent the bank said it was some activity that I didnt know or recall of that was made by me so I told them that it wasnt me after they try to tell me about money my school send to me and it was fraud now I have XXXX dollar in the account and they dont want to give me my money they keep saying it not my money plus they were suppose to close the account and give my money and still havent received it Wellsfargos been keeping my money
Product: Money transfers

Hello, I order parts on XXXX XXXX and used XXXX to pay for the amount of {$330.00}, some of the parts I receive were damage, so I mailed back for a refund, the value of the damage part cost {$130.00}, I spoke to XXXX about it, and I provided them with a tracking number, XXXX. they said the tracking number is invalid that 's why they can not refund me the money. I had provided them prof with a receipt that I had mail the parts out, but they still denied to refund the money.
Product: Checking or savings account

On XX/XX/2021 I was charged a monthly fee of {$30.00}. Then on XX/XX/2021 I was charged a {$34.00} overdraft fee. I was told the reason is that I have a Citi Priority package with them and that I must keep my balance over $ 50k/month to avoid the fee. The problem is that I closed my checking account XX/XX/XXXX. So I no longer have a Citi priority package with them. I only have a savings. So now that they no longer have a checking account to charge for the monthly fee they started charging my savings even though I am no longer getting benefits of both accounts. The rep that closed my account in XXXX never informed me that I would now get charged to my savings account. Every savings account I have ever had was free. With Citi it is not free but this is the first month ever in over a year that I was charged and I have not met the balance requirement for about a year now.
Product: Debt collection

This is regarding a credit card ( XXXX  ) debt that originated in 2012. I went through a devastating divorce, and was left with this debt and much more. The original debt was {$7600.00}. It is now up to {$17000.00} with interest fees. At the time of this judgment I was making {$20000.00} a year in my current job, divorced, and had XXXX children under my care. I could not afford to pay the debt, and I still can not afford it. I have made numerous attempts to settle the debt, and I continue to be denied. I am harassed, by XXXX XXXX since the judgement was entered. He was representing XXXX XXXX. He is currently with North Colony Law Firm. I have had my vehicle seized without any communication within a XXXX year period. I have had a lien placed on my mothers property which has since been put on my name to protect her. My mother and I continue to be harassed and threatened for a {$7000.00} debt from 12 years ago. This is made us both physically and emotionally sick and have had to seek XXXX XXXX XXXX  regarding this. I have had XXXX XXXX, and had no means to pay for an old credit card debt. XXXX is now threatening my mother about taking my XXXX XXXX. As of yesterday I have offered {$5000.00} to settle this. This is all that I have in my savings and to my name. He refuses! I need help I can not take this mentally any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting
Product: Debt collection

Couple years I separated for my boyfriend I take only clothes I cant take my personal documents passport ID banck cards and he used my cards in this time I m fell bad when I try to get my card to the banck the account is closed years pass and 2 years ago I try to get a car and I have the surprise I m in collection
Product: Money transfer, virtual currency, or money service

my case is really important. 
i have my paypal account without any transaction and paypal close without reason. 
why they close my account if i do not have any transaction activity or dispute. 
I mean this is really crazy. 

I think paypal made a mistake with my account. 

i would like paypal fix the problem and their system. 
my email associate with my paypal account is XXXX. 

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

Company has failed to investigate in a timely fashion the accuracy of my report ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 a man came to my home to do labor for me. When he got here, I sent him {$100.00} over XXXX for the work, he then promptly drove off and disconnected what was apparently a burner phone. I have no means to contact that man now. Everything he gave me information-wise apparently was made up. 

I called Wells Fargo to have this reversed and they simply stated to me that deep down in their Terms and Conditions for XXXX that if you authorize a payment that you can't have it reversed. That's perplexing to me provided my bank supposedly offers insurance on their accounts / services for scams and fraud on transactions / transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX 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 a account without my written instructions. As a result, this account should be deleted.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no co
nsumer 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

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and incomplete information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate and remove any erroneous entries. 

Upon reviewing my credit report, I noticed that certain items are either inaccurate or incomplete. Specifically, [ mention the items in question, including account numbers, dates, or other relevant details ]. These entries do not accurately reflect my credit history due to [ mention why these items are inaccurate, incomplete, or how they are linked to a data breach ]. 

Additionally, I was affected by the [ mention the name of the breach ] data breach, which exposed my personal information to unauthorized parties. The breach involved sensitive data, including [ list the types of exposed data ]. I request that any records linked to this breach be thoroughly reviewed, corrected, or removed from my report as the entries may have been compromised. 

Relevant Case Law : Spokeo, Inc. v. Robins ( 2016 ) : The U.S. Supreme Court held that consumers have the right to accurate and complete information in their credit reports, and if the information is inaccurate or incomplete, the credit reporting agency must correct or remove it.

Davis v. Credit Bureau of the South ( 1986 ) : The court ruled that under the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the data they report, and that failure to do so could lead to the removal of inaccurate entries. 

FCRA Section 1681e ( b ) : This section mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and completeness of the information they report. Any items that can not be verified or are proven to be inaccurate must be removed. 

I request that you provide me with written confirmation once this dispute has been resolved. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with the FCRA and remove the inaccuracies accordingly. 

Sincerely, XXXX XXXX