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

This letter is in response to your recent claim that EXPERIAN has verified through XXXX XXXX XXXX XXXX that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995 ), you may be liable for  your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit  Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

identify you and your account. 
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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

This is really frustrating, another item that has resulted from fraud which I never benefitted appeared on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Mortgage

I became ill after my husband died.It was determined that I had XXXX XXXX. I received a XXXXXXXX XXXX and have been on the road to recovery for the past years.I tried to get an modification from XXXX XXXX XXXX XXXX for several years only to be mislead by bank. In fact when I wrote a letter to the CEO of XXXX XXXX concerning my situation. I was transferred to Rushmore Mortgage services. 
Rushmore received file on XX/XX/2019 two weeks before a scheduled auction. 
They had no time to review documents for a short sale or short payoff.. 











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Product: Money transfer, virtual currency, or money service

The reference number is a quote from CITI Bank XXXX I initiated a transfer to XXXX XXXX on the XX/XX/22 for XXXX XXXX United States Dollars . 

For beneficiary address error, the beneficiary bank, XXXX XXXXXXXX XXXX, returned the money back XX/XX/22. 

I initiated all communication to inquire about the status of this returned funds to CITI bank, all I get is back office this, back office that! 


Today XX/XX/22 is my second official email to CITI bank via XXXX For withholding my money for over a month! 

Making my money that ought to generate some interest to loss value and gains, putting me and my family into suffrage! 

I hope the Citi Bank will be responsible enough to quantify and compensate my suffering within the period of withholding my money, without communicating or following up with me about progress and status of my funds.
Product: Credit card or prepaid card

The JPMChase British Air Visa card has a problematic " Float Pay '' program that is implemented in a fashion that is abusive. Payments made to the card are often not reflected in credit availability for sometimes up to 15 days. 

The bank claims that this is to insure clearance of funds from the paying bank. However, when Chase is withdrawing from my other bank through ACH, there is no excuse for any delay as the reduction from my bank account reflecting the payment to Chase is immediate. 

The implementation of this policy must change.
Product: Credit card

Hello, I am currently in a small coastal town in XXXX and my US phone and XXXX don't work here. 
When I try to log in to my Cap One accts it says I need additional verification and offers only one option : call or text on my cell phone. 
Below it says if that is not an option press here. I press and get a cheery message saying No problem just call this number and we'll get you access to your accts. Well I can't call using either cell or XXXXXXXX XXXX so I download and pay for XXXX and call the number. 
So far since last week I've logged hours talking to a variety of people with a variety of titles and not one can offer me a way to access my accts to check transactions and pay my bill on time. 
They do all apologize however. 
In the past they would ask XXXX like... what was the name of your best friend in kindergarten or what is your sister 's dog 's name, etc. That is no longer an option they say. What option have you replaced it with ... ..well ...? 
Also I ask why do you offer the XXXX number ensuring me that that will solve the problem ... .well... 
I suggested that they look into XXXX XXXX XXXX XXXX and one person had heard of it but apparently it is not an option.
Product: Bank account or service

I just realized I 've been charged for years for a monthly add on package service which allows for free money orders and cashier 's checks. It would have been more advantageous to pay for the service as needed. On several occasions when I 've called for other issues Wells Fargo has taken the opportunity to offer available services ... .never addressing me not getting the full benefit of the add on an suggesting removal. I find it disappointing Wells Fargo offered NO compensation for years of oversight. They just stated my responsibility.
Product: Bank account or service

I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX  Account, XXXX XXXX, Account # 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
Product: Credit reporting or other personal consumer reports

Unable to get your credit report or credit score XX/XX/24 Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXXEQUIFAX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am an American citizen living abroad at the time being. I initiated withdrawal from my COINBASE account via a XXXX payment to my bank in the XXXX on XX/XX/XXXXat XXXX XXXX XXXX time. ( reference number XXXX ) I had an email from coinbase saying it would reach my bank by XXXX XXXX 2017 It shows as COMPLETED in my coinbase account but my bank has had no such transfer. I have contacted coinbase via their email support however that support has been suspended. I attempted contact on their contact form by selecting " XXXX payments " from their drop down menu and was unable to submit the form due to their technical error. I was finally able to submit a complaint on their form by selecting " unable to buy and sell '' but they have failed to respond. I have tried 5 times to update my contact form in order to get a response but can not get any response at all from coinbase. There is no phone number to ring and no email to email. I am worried I have lost my XXXX XXXX. Please advise how to proceed. Many thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} 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 am trying to link my capital one account with XXXX XXXX to review my credit reporting and capital one is blocking me from linking my account. I called capital one on XX/XX/2018 and they said they are unable to fix this. I just want to be able to have an up to date way to track my credit score. All of my other banks were able to link including XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$50.00} to XXXX XXXX XXXX via PayPal to purchase an event ticket. He said he would transfer the ticket to me but did not. I filed a case with PayPal who said money transfers to " family and friends '' are not covered by their buyer protection. I was not aware of that, and did not see another option for making that payment. The seller 's contact info is XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Hello, i am complaining here because i have contacting XXXX reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, XXXX has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of identity theft. Resolve in a timely matter. XXXX ( unauthorized company inquiry ) - XXXX XXXX XXXX ( Date XXXX ) XXXX ( unauthorized company inquiry ) XXXX  XXXX XXXX  ( DATE XXXX ) I HAVE ALSO CONTACTED XXXX  XXXX AND LET THEM KNOW ABOUT TJE INFORMATION AS SOON AS I GOT THE NOTIFICATION TOLD THEM TO IMMEDIATELY CANCEL THE CARD THAT IT WAS DONE FRAUDULENT AND THEY CLOSED IT IMMEDIATELY AND WE MADE A INVESTIGATION CLAIM REMOVE THESE UNAUTHORIZED INQUIRES ASAP THAT WERE PROCESSED FRAUDULENTLY AND INDENTITY THEFT RESOLVE THIS ASAP PLS.
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 XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 XXXXXXXX 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 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

I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX  ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX CT , XXXX, OH XXXX
Product: Debt collection

A third party collector has been calling me and my ex employer to tell them they are calling the police for a credit card out of the statue of limitations. Its been ten years, I havent heard a thing about it then today theyve been harassing me nonstop.
Product: Debt collection

I've attached a file below with the information needed including the date, company and amount owed. I'm disputing this matter because I don't know who this is nor am I familiar with the company involved. I want this taken off my credit report immediately!!!!!
Product: Mortgage

Due to the neglience of this company and the information provided back in XXXX, the NSF fees caused, and a whole slew of other issues they caused with other bills, I paid my last XXXX payment on XX/XX/. It was not late. Considering all the mess they caused with the fees and getting behind on other bills, completely messing up my budget, I would think they would be a little more diligent and attentetive about my account. However thats not the case, in my case and histoically. I am still recovering from their neglience. As of today, XXXX, I got an email that there was a change in my credit report. I logged into to all the credit agencies and checked my credit reports to discover that BSI reported my XXXX payment as late. First off they messed my drafts up in XXXX and second I wasnt late. I have been totally stressed about all this and I have had to invest a lot of time and energy into fixing everything because of all this. I even spoke to an employee the last week of XXXX and inquired about being late, told them the date of the last payment of XXXX, and was told everything will be fine. And so it seems everytime, I again, was given false information. Called today, and a girl exclaimed that its only 16 days after the due date for it to be marked late, and transferred me in mid sentence to a voice mail box. I didnt ask to be involved with this horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 created an online account with Equifax at XXXX XXXX XXXX XXXX i was having security issues with my phone and learn that an online account with Social Security had been hacked i filed a complaint with FBI IC3 but left credit account alone now when i try to start a online account with Equifax it has a bunch of questions about retail cards and loans which i do not know because its been years since i have had a loan of any kind and 1credit card years ago for a breif time i tried answering none of the above it still locks me out i have called them i still cant get access so i can lift freeze even temporary still the people that have access but maybe i can get it where can lift freeze so i can apply for things
Product: Debt collection

FrostArnett Company in XXXX Tennessee was paid {$120.00} on XX/XX/2020 and my bank has verified that the check cleared on XX/XX/XXXX. They continue to send multiple notices a week dated on XX/XX/2020 without acknowledging the payment. I have called and a woman named XXXX said that they show the debt as paid but will not stop mailing bills or acknowledge my payment. 

Their address is Frost Arnett Company, XXXX. XXXX XXXX, XXXX, Tennessee XXXX. Their phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, account ( 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not actively publish information about any case to credit reporting agencies. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

since XX/XX/2021 I had been trying to get an unemployment forbearance. I have applied and reapplied several times. the company decided to give me a covid deferral without my knowledge. However they kept sending out the packets. I turned everything in and they still did not offer me the forbearance. finally they sent a modification packet with a due date yet I still don't have income! I called and declined the workout and they said they would give me a short term deferral. while i was waiting for the short term deferral. the company called me and said none of my applications have gone through. 

my primary lender was any employer and they had laid me off. right now my industry is laying off in record numbers. and I'm trying to figure out why i cant get simple help
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, 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 an account without my written instructions