23daVinci/CFPB_Complaints huggingface dataset:
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 adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I want the CFPB to publish This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

CREDIT MANAGEMENT LP posted XX/XX/2020 amount {$160.00} I reached out by phone right away to try and resolve this many times. I was never given a solid answer on what this was for, who this was for, when it happened or given an option to resolve this. I was transferred around with no resolution. I later had my credit repair company do their rounds of letters. Still no response to anything. We never recived a pone call, letter or anything trying to resolve this issue .No explanation was ever sent or given to explain this debt. This has dropped my credit score and is preventing me from buying a home for my daughter and i. We are now at the point of loosing our home and not being able to buy in time because of this.
Product: Debt collection

XXXX XXXX XXXX XXXX Texas XXXX Fraud someone used my SS number To open a bill account for electric from XXXX XXXX and they did not pay the bill of XXXX Reference XXXX XXXX Now it has been filled as a collection against my credit from credit systems international inc
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 1. Account Name : XXXX XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account XXXX : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 7 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: Debt collection

I previously had credit card with Discover, I hit hard times XXXX XXXX XXXXand couldn't make payments roughlyabout XXXX. I contacted them to let them know i couldn't make payments they expected payments regardless. I was notified this year by a card from the city of XXXX notify me in XX/XX/XXXX of a court date next year XX/XX/XXXX but no idea what for. XX/XX/XXXX I received a letter not in a envelope in my mailbox of paperwork containing a lawsuit brought against me from Discover bank and court date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has wrongful information about my account XXXX XXXX XXXX
Product: Debt collection

I was not aware that this debt was owed. I haven't received any notification and it's sitting on my credit report. It's for {$960.00} dollars
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened under my name on XX/XX/2022 from CKS Prime Investments in the amount of {$750.00} and {$740.00}. I have disputed it numerous times and the credit bureaus still claim to verify an account that never existed between me and the creditor. I would like to take this issue to litigation if this account is not removed from my credit profile. I was forced to pay it as it severed my credit rating and ability to conduct business. The creditor promised to remove it upon payment but they did not.
Product: Credit card or prepaid card

I am submitting this complaint regarding a purchase made with XXXX on XX/XX/2022. I am asserting claims and defenses due to the seller refusing to fix the issue. I initiated a dispute with Discover Card on XX/XX/2022 and they have also refused to fix the issue. Prior to purchasing the vacation package with XXXX, I contacted XXXX via telephone and was provided information which contradicts the package I received. First, the sales individuals are very difficult to understand due to XXXX outsourcing their sales calls outside of the United States. I was provided very different information at the time of my call and was told my trip would be refundable if I needed to cancel or change plans. I was also told about the insurance plan through XXXX which was part of this charge that would also cover my trip. As you can see from the initial email I received after purchasing my vacation package, there is no mention of their terms and conditions regarding non-refundable tickets. The last email Discover sent stated information was insufficient and awarded the decision in favor of XXXX, it clearly indicates on my sales receipt that there is no mention of their terms and conditions. The receipts is very vague and does not provide even a break down of the purchase. There is also not a price breakdown of the vacation package which leaves the consumer with no idea of what they are being charged for. After we realized we needed to change the dates of our trip due to a court hearing/custody issues related to a current divorce proceeding, XXXX attempted to charge us XXXX  times the original amount we paid to transfer the dates. When I went online to XXXX and entered the exact same trip that day it was the same price as we had originally paid on the date of purchase. Meanwhile, XXXX was attempting to charge us XXXX  times the amount we originally paid. XXXX uses scandalous tactics and is deceitful when purchasing their vacation packages. As you can see from the receipts provided to my email after my purchase, their terms and conditions are not even mentioned. The receipt is very vague and provides very little information to the consumer. Every phone call I made to XXXX, I was provided with different information from the initial purchase to several attempts to transfer the dates. I was never provided with a consistent answer from XXXX. I do not believe this charge was fair as XXXX was not clear of their terms in the information that was provided to me during my initial phone call to inquire about the vacation package, initial purchase and in the receipt I received after my transaction on XX/XX/2022. To date, I have not received any credits for the airline purchases etc. XXXX has not made any attempts to rectify the situation or refund any portion. I have been fastidious about trying to come to some sort of resolution but XXXX and Discover have have not made any attempts to make any type of compensation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested TransUnion to remove an account from XXXX XXXX XXXX from my credit report as it was fraudulently opened and under a name that was not my mine. They refused and claimed the information was verified. However, I have my ID and birth certificate to prove that this account is not under my name so it does not even belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
13. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
14. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
15. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On TARGET Website I purchased XXXX XXXX XXXX XXXX for 1 year. As soon as I had charged using Target RedCard # XXXX XXXX XXXX XXXX, I called and went on website to cancel. On or about one week later I received the same software that I had cancelled. I attempted to bring it back to the Target Store at XXXX XXXX, XXXX, Ma. The store stated that since it was purchased off of their website they could not take it back since it was from a seller. I then returned the unopened merchandise through XXXX on XX/XX/XXXX. Please see Return Shipping from XXXX dated XX/XX/XXXX. I then addressed a letter to their President/CEO at XXXX XXXX XXXX, XXXX, MN XXXX. On Monday, XX/XX/XXXX i received a notice from XXXX that my Fico Score had dropped for non-payment. This was followed up by dunning letters from Target. I attempted a resolution but was unsuccessful after spending three hours of phone time. Please see supporting documentation.. I was a Target fan, never will I step foot in this organization again. 

Thank you. 

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

I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by Capital one and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over XXXX days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
Product: Debt collection

They threaten to damage my credit report which they did Call me everyday and threaten to sue me brandsource
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. 

XXXX. XXXX XXXX Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a Chase credit card ( ending XXXX ) that I cancelled on XX/XX/XXXX at XXXX M.S.T. 
after contacting Chase via phone. 
I informed Chase that the card and account was cancelled and that I would NOT accept any new cards. 
They ignored it all. So, keep up my requests. I did so at least 34 times via secured Chase e-mails, multiple recorded phone calls, and 1 ( one ) letter on XX/XX/XXXX to their main office : Chase Services XXXX XXXX XXXX XXXX, DE XXXX I informed them I wanted a reply that they acknowledge the card ending XXXX and account were closed along with any bank links and that I would accept NO further cards. That, if in fact, the did not reply or issue additional cards I would contact the SEC, Federal Reserve, BBB, and State Attorney General of Arizona, and will consider possible legal action against Chase The ignored contact, letters, and calls and then issued a card ending XXXX without my permission. 

Im still receiving paperwork for this new card via the U.S.P.S. and my old ( XXXX ) account is not closed. 
It has affected my credit rating. 

Their actions are fraud! They refuse to comply.
Product: Credit reporting or other personal consumer reports

Experian has been giving me an extremely hard time, I have already had this account removed from both XXXX XXXX XXXX XXXX reports because the debt couldnt be validated. Experian has chosen to continue reporting it, even after it shows to be past 7 years. The debtor ( XXXX has been illegally refreshing the debt.
Product: Credit reporting or other personal consumer reports

Forensic Evidence 100 % false wrongful reporting by equifax see attached Intentionally reducing credit scores by huge amounts so it increases consumers interest we pay on credit cards. 

I conducted a forensic evidence test to intentionally catch equifax. 

See evidence attached XX/XX/2024 XXXX debts my score was XXXX. XX/XX/2024 I intentionally charged {$2200.00} credit. 

XX/XX/2024 XXXX XXXX points score ..... 


XX/XX/2024 I intentionally payed {$2300.00} returned ..... 

XX/XX/2024 XXXX XXXX points score XXXX ... ... my balance XXXX {$0.00} with XXXX credit score ... ..my Credit balance XXXX {$0.00} XXXX credit score ... ...... 

equifax has been officially caught damaging my credit by XXXX points for no cause. this forensic evidence test was designed specifically targeting to catch their fraudulent reporting in realtime with factual evidence ... ... .. Federal agencies are being notified ... ... Equifax was caught strategically forcing my credit score down to intentionally move my score down to force higher interest rates by creditors.
Product: Credit card

I opened a credit card account with American Express. As a signed up bonus, American Express offered me XXXX Membership rewards points if I spend {$3000.00} within the first three months. The annual fee on this card is {$450.00} a year. A membership reward point is a virtual currency that can be used in multiple ways. When I opened my account, I planned to transfer these bonus points to XXXX of the partners they have, XXXX XXXX points ( " XXXX '' ). When I opened the account, they advertised the following transfer ratio XXXX. So, the signup bonus for me was worth XXXX XXXX XXXX points. Three weeks after they told me that the ratio is going to change : to get XXXX XXXX XXXX points, I will need XXXX, not XXXX American Express points after XXXX XXXX. I called the cardmember services and they told me that if I fulfill the terms of my signup bonus bu XXXX XXXX, I will be able to utilize the old exchange rate. I completed the terms of my offer and the points appeared on my account on XXXX XXXX, in pending status. When I called American Express and asked them to transfer the points, I was told that I would be able to do it only in 6-8 weeks. So, the value of my signup bonus has changed after I opened the card. It was XXXX XXXX points when I opened ; it has decreased to XXXX XXXX points. This practice, in my view, is an example of deceptive advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of these accounts list below, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate these accounts thoroughly enough the last time I submitted one. 
If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never file bankruptcy, but that I am not sure that these accounts are even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 
REMOVE ACCOUNT 1. US Bankruptcy Court Account # XXXX 2. US Bankruptcy Court Account # XXXX 3. XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX 6XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

I sold a large amount of art work which I have accumulated over the past 30 years. XXXX requires that I use Paypal for receiving money and the buyer deposited the money on XX/XX/XXXX. I have been trying to get the funds deposited to my Federal Credit Union since that date and Paypal is holding the money. I have sent all the requested documentation, was told the money would be released in 12 hours, and have just received an e-mail that the account in again on hold for the same reason as two weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX i sent in dispute letters to transunion, XXXX and XXXX After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter. 

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX