23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concern of Zelles handling Ive disputes, particularly in the light of recent CFPB highlighting issues with this platform Ive been previously informed that finding loss funds was impossible to track when sending a Zelle. This leaves users Vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed.

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account # XXXX is " Paid-in-Full ''. It is not in " Payment Plan. '' This account is " Closed ''.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a complaint with Experian through the CFPB regarding an XXXX XXXX account on my credit report that was a result of identity theft. In my complaint, I provided Experian with an FTC Identity Theft Report and requested that the account be deleted from my credit report. 

On XX/XX/year>, I received an email from Experian stating that the dispute results were ready. This response was received only one day after my initial complaint. Experian failed to communicate through the CFPB platform and instead sent me a generic message indicating that my request to block the account was made in error and that they would not be able to delete the account as it meets FCRA standards. 

XXXX actions indicate that they did not conduct a complete reinvestigation of the account. Furthermore, they failed to show proof of ownership of the XXXX XXXX account, which is impossible as this account does not belong to me. By not deleting the account as required by FCRA Section 605B, Experian has violated federal law. Section 605B mandates the deletion of information that is a result of identity theft within the stipulated time frame when provided with appropriate documentation. 

Additionally, XXXX XXXX  is in violation of the Fair Debt Collection Practices Act ( FDCPA ). When they sent me a dunning letter, I informed them that the account did not belong to me and requested that they cease all communication. Despite this, XXXX XXXX added the account to my credit report, which is a direct violation of the FDCPA. 

I request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by conducting a thorough reinvestigation and deleting the fraudulent XXXX XXXX account from my credit report. If this account is not removed, I will seek to take legal action with my state attorney as Experian and XXXX XXXX are actively violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against Experian. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. Experian, XXXX and XXXX have not attempted to remove, nor correct any information. Experian, XXXX and XXXX also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. Experian, XXXX and XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XX/XX/XXXX. I have been a victim of identity theft since XX/XX/XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Product: Credit card or prepaid card

I recently reached out to the three bureaus because I checked my credit report and it was a lot of fraudulent accounts that I did not authorized..it was a XXXX card, amount is XXXX that is fraudulent, two XXXX XXXX cards that were fraudulent. also a XXXX XXXX credit card that is fraudulent.. I reached out to the bureaus and provided all the necessary documents for identity theft ... XXXX honored my request. Equifax didn't. XXXX honored it by deleing the accounts but today one of the showed back up.. I completely have no knowledge of those accounts and I will not stop until justice is served.
Product: Student loan

I received a letter from XXXX on XX/XX/2010.This letter said my loans had been paid in full. Along with this letter it explained the national credit bureaus was going to be updated and removed from default status. I soon found out this was untrue. I was contacted by a company called Navient. I was wondering why i was repaying for a loan that had been paid in full. Navient explained they had took over for XXXX. I provided the same letter that was sent to me from XXXX. Navient never removed and they are destroying my credit and it has impacted my credit score.
Product: Debt collection

PORTFOLIO RECOVERY has reported an alleged debt in the amount of {$440.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. PORTFOLIO RECOVERY obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to PORTFOLIO RECOVERY on XX/XX/XXXX certified mail with green return receipts and I await a response. 
ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  : # XXXX had 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 cannote furnish a 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, credit repair services, or other personal consumer reports

Hi, I contacted all three credit bureaus about inaccurate credit account and account that's not related to me. All three major credit bureau gave me hard time update and disputing the information that appear is wrong on my credit report.i called serval time and send letter of verification of my identity to update misinformed informations. I have not yes receive a letter of validation from the major three credit bureau. Please help me I am being denied due to this mislead information.My credit history has been taken off my good credit account .I purchase my car in XX/XX/2020 there has not beeb a correct payment place on my credit but wrong history information.i contact credit acceptance and they mentioned to me I have to contact the credit bureau to correct the account .this has been XXXX now and my information and credit report still remain the same with unverifiable information inaccurate account.I called some many time about this matter and nothing has been investigate correctly
Product: Credit reporting or other personal consumer reports

I I asked her to validate the bit the bill send me the original contract stating that I signed up for them to collect the debt. I also asked for them to show me the day that it went to collection in the day that the bill was validated like the actual date that it the item was purchased is two separate accounts but the item is the same item. This item was purchased in 2018 and by law should I already been off of my credit but when I reach out to this credit company, they refused to send me any information on this on this information validate this information
Product: Credit card

Should Capital One fail to resolve this matter to my satisfaction within the specified timeframe, I will proceed with arbitration through the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and pursue all legal remedies available to me under federal law. Furthermore, I reserve the right to file a complaint with the Office of the Comptroller of the Currency ( OCC ), notify the Federal Trade Commission ( FTC ) of your noncompliance, and U.S. Securities Exchange Commission.

I am writing to formally instruct you to process the attached Power of Attorney ( POA ) concerning XXXX XXXX security account. Please confirm receipt of the POA and advise me of the actions you will be taking in response to these instructions. The POA document has been provided for your records through your online portal & attached to this correspondence as well, and I respectfully instruct all necessary actions be taken to ensure that the instructions within the POA are followed. As part of this letter of instruction 's, holding Capital One Accountable, I instruct that you update the relevant Security account and take immediate action as instructed in the POA, including but not limited to the removal of any inaccurate late payment marks for the month of XXXX and the updating of the account status to Paid as Agreed. CAPITAL ONE Account XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so here and now. 

Page XXXX Per Capital One Card Member Agreement Subsection Governing Law : Applies to Your Agreement : It States We make decisions to grant credit and issue you a Card from our offices in Virginia. This Agreement is governed by applicable federal law and by Virginia law. If any part of this Agreement is unenforceable, the remaining parts will remain in effect. 

Page XXXX Under Credit Reports : If you believe that we have reported inaccurate information about your Account to a credit bureau or other consumer reporting agency, notify us in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. When you write, tell us the specific information that you believe is incorrect and why you believe it is incorrect.
Product: Credit card

On XX/XX/2023 there was a charge made to my citicard credit card for {$63.00} fraudulently.Citicard has refused to fix this. I WANT PROOF THAT I MADE THIS CHARGE. Citicard wants me to bend over backwards and do all the work, I have filed reports with my local police dept, RI attorney general, CFPD, FTC, all 3 of my credit bureaus, and reached out to an attorney. Citcard continued to charge me late fees while being disputed and reported that i was merely being delinquent in payment. It dropped my score XXXX point and continues to affect my score negatively and impacting my natural order of impeccable credit that i worked 27 years to establish. i finally paid the fraud charge in order to stop the process and take legal action the right way. Again, i demand the proof that i made a subscription charge to XXXX on XX/XX/203. 

XXXX Police report filed XXXX dispute filed and fraud alert placed on credit CFPD complaint XXXX # XXXX Report fraud FTC Report XXXX : XXXX Consultation with XXXX XXXX
Product: Checking or savings account

Bank of America - long time customer and small business owner with multiple accounts XX/XX/XXXX -  Went to local branch to notify them my father who I held joint accounts with passed away on XX/XX/XXXX and I wanted to start the process to take his name off joint accounts and also cash in two CDs he had and move the money into my personal account. <P/>It is now almost three months later and still not handled after MULTIPLE visits to the local branch, multiple phone calls, multiple faxes, multiple mailings of same documentation over and over again. <P/>I am the Executrix of the will. The will has been probated in the state of New Jersey. I have Short Certificates which have been given to the bank indicating the will was probated and I am the authorized representative of the estate. By the way, there is minimal amounts of money involved. <P/>XX/XX/XXXX - received a call today from the Estate department that they want a copy of the will. I refused because it is none of their business and they have the probated will documents with official raised seals from the State of New Jersey.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Someone has purchased with my debit card XXXX XXXX tickets and groceries from a XXXX. Totaling almost {$1300.00} I called the bank when my purchase was denied and found out I had unauthorized transactions. I disputed them with my bank on the XXXX when I found out and on XX/XX/XXXX Bank of America denied my claim of fraudulent acts to my account. 2 x {$35.00}. for overdraft fees XXXX XXXX {$19.00} XXXX XXXX XXXX {$230.00} x XXXX XXXX {$430.00} XXXX  XXXX {$250.00} and {$27.00}. Bank of America is not backing their Guarantee and promise saying the activity in question was posted correctly! That's not even possible. The purchases were made in another state first off and I never made these purchases. I've been a good loyal customer for years and now I can't trust them at all. I work hard for my money. I need that money back.
Product: Credit reporting or other personal consumer reports

Credit bureaus is reporting an account ( Apple Card ) that was not opened by me or authorized by me. It is a fraudulent account. I submitted police report and ftc report. Company refuses to remove or block incorrect information.
Product: Checking or savings account

" GS Bank | Online CD and Savings Accounts www.gsbank.comXXXX Get a high yield CD from GS Bank today! ... the check payable to your name ( make sure the name is the same as on the account ) or Goldman Sachs Bank USA. '' My name is XXXX XXXX - please protect this name when publishing this complaint. 

Tried to open a CD online in XXXX-2017 and was rejected for providing incorrect info. I know that the information I provided was correct. So I called GSBank at ( XXXX ) XXXX and was rejected again. 

Considering the XXXX data breach I contacted GSBank at the # above asking them for the reason for the rejection or for the source of their incorrect info. The Cust Srvc Rep - XXXX - at GSBank told me that he could not disclose the reason why I was being rejected or the source of their incorrect info. 

I need to find the source of this bad info so that I may protect myself as it is possible that somebody could be fraudulently be impacting my personal info. 

Please help.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
FROUDULENT ACCUNTS! 
XXXX XXXX, XXXX Balance : {$3700.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$3500.00} Account number : XXXX  Open/closed : Open Date Opened : XX/XX/XXXX Account type : Credit card FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Complaint against XXXX XXXX XXXX and Medical Revenue Service. 
This debt has been paid in full since 2019. XXXX has enlisted THREE debt collectors now to try to collect a debt that has been paid in full since 2019. I am uploading all of my proof and documentation.
Product: Student loan

I am working towards loan forgiveness through the Public Service Loan Forgiveness program. I should be credited with making approximately 98 " qualifying payments. '' Fedloan is crediting me with 23 " qualifying payments. '' Fedloan will not explain their analysis, nor will they even make someone generally available to answer my questions. They will also not give me access to my records that they have ( or claim to have ) from other loan servicers, including XXXX XXXX XXXX. 

Additionally, part of the discrepancy is that lump sump payments were made on my behalf through the Department of Justice 's XXXX XXXX XXXX XXXX. There were 7 of these lump sums payments, putting me in " paid ahead '' status for 31 months. Fedloan is not counting these as on time payments.
Product: Credit card

i believe this is the XXXX complaint here about this at and t card. XXXX after 20 years they refuse to credit me interest. so i barely use the card. now i bought a camera in best buy that DOES NOT WORK they refuse to take back i am being told i have to pay for. i am NOT paying for it nor should a credit card company tell me i should. i am not. so go to them for me after 20 years and get your money back. the lack of credit of interest and this speak volumes as to what i mean to you. nothing. XXXX refunded money for a broken phone they never responded on too. do the right thing. i will accept nothing else. refund me the money
Product: Debt collection

There is an unknown account that just appeared on my credit file. This is not true. Please help
Product: Checking or savings account

Opened up a checking, savings, and money market account with Ally Bank in early XXXX. In approximately a month I transferred {$120000.00} into all three accounts via ACH. I have had numerous deposits go into the above accounts and several leave the same accounts ( typical banking ). I also added another phone # and an alternative mailing address so the debit cards they were sending would not sit in a mailbox detached from our home for an extended period of time. I reached out to both notify and ask Ally about these changes and was told there was no problem. I also verified my identity with them on several occasions, per their policy. 

I received emails on XX/XX/year> that all three accounts were " locked '' and pending a fraud/identity theft investigation. I spoke to the fraud department and was asked extremely invasive and unacceptable questions bordering on inappropriate. I was then told that there was no timetable for my accounts to be returned to normal or " unlocked '' and that I had to just wait. 

This is unacceptable. The amount in question is significant and needs to be accessed immediately. To " lock '' up these funds without any explanation is beyond acceptable. I do not want to go down this road, but I will gladly contact my attorney 's and get them involved. 

I appreciate any help you can provide and hopefully something can be done. 

Thank you.
Product: Student loan

I have {$91000.00} in student loan debt with Sallie Mae. I did not graduate. I can not afford the monthly payments, which currently add up to {$1000.00} per month. About three years ago, I spent countless hours and days on the phone trying to get them to help me lower my payments, and every time they would propose a solution, put me on hold, and come back and say I dont qualify. I had no choice but to stop paying. They called members of my extended family in addition to relentlessly calling myself and my nuclear family, anywhere between 2 and 15 times per day. Just before they sent my debt to collections, I called one last time and they gave me a deal which capped my normally-variable interest rates at 4 % which brought my monthly payments down to {$510.00}. For the three years that plan was in effect, I was current. The plan abruptly ended in XXXX of XXXX with no warning, though they claim they sent a notice. I never received a notice. I called on XX/XX/XXXX, and was told to let my account go overdue, then call back and Id be able to speak to their hardship department about assistance. I called today, XX/XX/XXXX, and they listened to the recorded phone call from XX/XX/XXXX and admitted that I had been lied to and refused to help me, again claiming there is nothing they can do. This is ruining my life.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2021 Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it
Product: Debt collection

okay my original debt was with a company called XXXX XXXX who i tried to settel before i asked to close my account. this happened in the middile of the pendemic and i offered to pay them a lower amount until things changed they refused my {$30.00} offer and them sold my information to LVNV funding LLC without my permission then this company started calling me until i blocked thier number from my phone. i have never conducted any business with lvnv funding and this company never issued my any line of credit so why is this on my credit report {$540.00}? PLEASE ask this company to you an original aggrement with my signature on it to verify that we conducted business together... thanks