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

To Whom IT May Concern. On XX/XX/2022. I submitted a dispute letter to XXXX, Experian and XXXX. I saw many addresses, names and phones that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified.But, how though when nothing was sent to me in regard to what they did to verify my dispute. I asked for my credit report in my letter and the means they used to verify this information was mine personal information. I have never lived at any of these addresses before and they refuse to remove them. This is unfair and a violation of my rights. As we all know these companies do not work for the government or state department. All I am asking is that thigns are reported properly. False information can hurt charcter of the person. Just beacause someone has a simlier first name does not mean that it is them. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I live. My current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I take my credit very seriously and all of these addresses and phone numbers that are not mine are disturbing. I was about part of a data breach a couple times and so as I leanred of this I contacted them and I get no results. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, Fulton Bank automatically deducted a payment of {$360.00} from my checking account only for the interest due on my new credit line with them. The details shown on the monthly statement I received shows that they charged interest at a rate of 100 % for three days beginning XX/XX/XXXX. This error doubled the amount due on my loan from what shouldve been approximately {$130.00} based on the original 6.5 % interest rate. 

Their system has continued with this error because the information for my loan shown online still maintains an amount due of {$360.00} for XXXX - payment due on XX/XX/XXXX. 

I called and reported this error on XX/XX/XXXX and was told that a certain department at Fulton Bank would research the error and that the representative I was speaking with would contact me. It is now XXXX and I still have not heard back from Fulton Bank and their deduction of the erroneous amount of {$360.00} was indeed posted to my account on XX/XX/XXXX. 

I called their support line today and spoke with a different representative. He confirmed that this was a major problem that had affected so many of their customers that they hadnt been able to get to my complaint ticket yet. 

I wish to report this to your agency because something as major as this shouldve been fixed by now. At the very least, Fulton Bank shouldve stopped all loan auto-deductions for any loans that this affected. The executives at Fulton Bank must be held accountable for this major mistake, especially when it costs their customers so much money and hasnt had a negative effect on Fultons financials at all.
Product: Credit card

I had a credit card issued by Macy '' XXXX department store and American Express, which I have not used for a year or so. On XXXX XXXX, 2015. I received a statement about a foreign charge in XXXX with foreign charges total {$570.00}. I called the XXXX no. on the card to dispute the charge, after a long wait, I was referred to an XXXX no. which has a recording asking me to send a letter of dispute, which I did by regular mail and later by certified mail. So far I have not received any response from them, I tried to call them again, and this time after long waits I did not get to speak to any real person. Each time I spent a total of 1-2 hours waiting to speak to someone. I think they should send me a letter or call me in response to my letter, and they should have let me speak to someone responsible.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX - XXXX - {$6200.00} ( XXXX ) XXXX XXXX XXXXXXXX - {$3800.00} ( XXXX ) Personal Information Former : XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Transunion is defaming my character by furnishing inaccurate information and without my direct written consent. They are damaging my livelihood as well my character.
Product: Credit reporting or other personal consumer reports

Company has produced fraudulent files and certified at FCRA standards. Attached youll see the recently closed CFPB file. This was ignored by the company alone with my deletion letters for all the fraudulent field and my personal information verification. 

THIS IS NOT FOT DISPUTE By law files are to be deleted for violation and as this is not a first time occurrence after files are deleted entire file is to be searched.

Atttached you will find a Clean XXXX credit report that company has thrown in an attempt to side with creditors ( also illegal ). When given the information to remove company has refused and instead reported false information resulting in a false FICO score
Product: Checking or savings account

I have been lied to repeatedly by PNC bank..I had a transaction that comes out automatically, it did it twice. I immediately called the bank, first they say if I go online, I can cancel the transaction.. ( first fib ) I called back and asked for it to be removed, I am told I have to do a dispute.She says she filed it after asking me to verify my account. I call a few days later. I am told no dispute was filed..ask for it be filed again, I call two more times, it still wasnt filed, speak to a supervisor he says it has to be filed because how do they know I am being true full. I ask him is he saying I am lying, he says how do they know I am not, he says he filed a dispute..I hang up, call back in two days..Still no dispute filed..I email the ceo and someone calls files the dispute but I have to wait 10 days for a resolution, I have already waited two weeks, I explain my paycheck will come in and a bill payment and with my account being in the negative it will cause stress to my account and me. My check had to be mailed to avoid this, I still havent received it, my rent is now late, bill payment behind.. I was told when I opened my account by the assttant manager at the branch about overdraft protection and that I should add to my account, which I did. I assumed the overdraft protection would be in place to take care of this.. I speak to someone named XXXX from there executive customer services who proceeded to tell me that overdraft protection is used through what you have in savings and if I wanted true overdraft protection I have to do a credit application.. I would like them to be held accountable for continually lying, I have the calls taped as I am XXXX in one ear and my calls tape and or transcribe.They treated me very poorly in the first transaction.Calling me a liar and acting as if it was a {$4000.00} transaction and it was {$46.00}. and some cents..This bank is mulipulating consumers intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX routinely makes me wait one week after I make my payment to post my payment to my account, however they get their money right away. I made a {$90.00} payment on XX/XX/21 and today, XX/XX/21 they reported me as late to credit reporting agencies, lowering my credit score by XXXX points. How can they get away with this? What can I do? This seems so XXXX criminal its not even funny.. I know they love people with low scores so they can charge a higher interest rate please help
Product: Debt collection

I paid my individual portion prior to XXXX in 2XXXX, and have proof of this attached. Fast-forward XXXX XXXX years later, I am just receiving a first statement from a company collecting debt on behalf of the physician, XXXX XXXX XXXX and a XXXX center that has gone under, and is no longer in business. I spoke with the debt collection company to let them know that this was not my debt and that my portion was paid in full prior to XXXX. My insurance company also pay their portion, {$47000.00}. I spoke with XXXX XXXX office and received confirmation from his practice manager that I owed XXXX dollars. I am tired of the harassing letters and a threat to impact my credit with this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from XXXX such as XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX Also I was hit with 2 more hard inquiries from Equifax the following XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.
Product: Credit card

Was charged {$800.00} in annual fees on two cards, {$550.00} and {$250.00} respectively. Creditor closed account mid annual fee, was told they refuse to refund charges based on either in its entirety or prorated. Was told this is not per their terms and conditions. However, in a chat the company has stated they waive fees during a 30 day period post fee being charged. American Express submitted an escalation but told me they will not reach out to me either by phone, email or by mail with the results.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Checking or savings account

I contacted my bank and requested that a payment be stopped on an account. I was charged {$31.00} to stop payment. Reference number is XXXX. 

A few days later my account was short {$97.00}. The payment was allowed to go through, disregarding my request. The car insurance company was abusing my identity and overcharging me, because I'm a senior citizen. 

When I opened the insurance account, I realized that my former employer was linked to my account.XX/XX/XXXX My former employer was abusing my identification. 

The email address being used was XXXX. I've been a victim of identity theft and I reported this matter to XXXX XXXX XXXX. 

Wells Fargo claim number for investigation is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$99.00} XXXX  XXXX Balance : {$1000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financials 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 CFPBS finding indicates Zelle has not only neglected to protect consumers but has also repeatedly offenders to exploit the system!
Product: Payday loan, title loan, personal loan, or advance loan

I have problems repaying back Solo Funds due to unexpected expenses that I couldn't control. I told them that I needed more time to pay a partial payment they offered me, but accuses me for breaking that promise. I didn't intend to break any promise and I'm really having a hard time paying the loan.
Product: Credit card or prepaid card

I had a dispute over a laptop and Capital One did nothing to get it resolved once the company came back with an answer, which was all lies. When I went to get my rebuttal back to them, they wanted outrageous proof. They wanted another retailer to state what their policy was. All of the people that I contacted refused to assist me and told me that it is between me and the merchant I am arguing with. Capital One refused to process it and they did nothing for me, offered no alternatives. <P/>The merchant was XXXX XXXX XXXX and the amount was a total of XXXX. The people I spoke with from Capital One could barely speak English and were not helpful. One would tell you one thing, then the next one would be like no that 's wrong do this. The requirements are impossible to meet to win the chargeback and Capital One knows this.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 
- XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX. 

INQUIRIES : - XXXX XXXX XXXXXX/XX/XXXX. 
- XXXX XXXX XX/XX/XXXX. 
- XXXX XXXX XX/XX/XXXX. 
- XXXX XXXX XX/XX/XXXX. 
- XXXX XXXX XX/XX/XXXX. 
- XXXX XXXX 
- XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 
- XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

To whom it may concern : as per my reason for this complaint here is this bank that i had vor various years and payinging it on time but seem as if when i do my payment i never get to see where it going or being paid what i notice is they interest very high i'm doing my besy to be a loyal customer and paid ontime ontime cause it get auto pay through my bank so they do recieved it ontime. please kindly investigate this matter it very confused to me.i feel as if they are over illegally charging interest.here are what i'm noticing stay the same so where is my payment going to. 
***************************************************************************************** XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$37.00} XX/XX/XXXX AUTOMATIC PAYMENT - $ XXXX ***************************************************************************************** XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$40.00} XX/XX/XXXX AUTOMATIC PAYMENT - $ XXXX *************************************************************************************** THIS IS A SCREEN SHOT FROM THE FRONT PAGE OF THE STATEMENT ************************************************************************************** Activity $ XXXX Current Balance $ XXXX Available to Spend {$1700.00} limit Payment $ XXXX Minimum Pay XXXX XXXX days Until Due Date on XX/XX/07 Respectfully XXXX XXXX XXXX XXXX ************************************************************************* CARECREDIT / SYNCHRONY BANK ACCT # XXXX
Product: Credit reporting or other personal consumer reports

these fraudulent inquiries on my credit report are not authorized by me and need to be removed ASAP 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
Product: Credit reporting or other personal consumer reports

Original Complaint # XXXX Subject : TransUnion Reinserted a Previously Deleted Account Without Notice ( FCRA Violation ) Complaint Details : I am filing a complaint against TransUnion for reinserting an account from XXXXXX/XX/XXXX onto my credit report without proper notice and without valid verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). Company Reporting the Account : XXXXXX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX Date of Original Removal : XX/XX/year>2024 ( Exact Date Unknown ) Date of Reinsertion : XXXX 2024 ( Exact Date Unknown ) FCRA Violations by TransUnion : No written notice of reinsertion was provided within 5 business days, as required by law. No proof of verification was given before reinsertion. The account was previously disputed and removed, meaning it should NOT have been reinserted unless new verifiable proof was provided. Requested Resolution : Immediately remove the XXXX XX/XX/XXXX account from my TransUnion credit report. Provide written confirmation of removal within 10 days. Explain the verification process used for reinserting this account. If this issue is not corrected, I will escalate further, including exploring legal options for willful FCRA violations, which can result in statutory damages.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX