23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I disputed a {$830.00} charge on my credit card with Chime. I submitted an XXXX police report to Chime as well to substantiate my dispute. 

On XX/XX/XXXX, my claim was denied with no additional information. 

I immediately requested they reinvestigate. I submitted to Chime a statement of claim in New York civil court as well as a complaint to the state Attorney Generals office. 

They havent contacted me in 3 weeks despite the emails and in-app messages Ive sent . Im concerned my dispute isnt being properly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Experian credit report that I have a 30 day late notice posted back in XXXX and I called the vendor - XXXX XXXX and they mentioned it was a mistake. They said they would submit the updated information to Experian however my credit report has not been updated to reflect the on-time payment. I have spoken to them several times and each time they tell me the credit bureau needs to update the on-time status because they have sent the update to Experian. This has severely affected my credit rating and I'm not able to get any additional loans or additional credit because of this.
Product: Credit reporting

Date of Opening Account requested, plan of service, history of plan to prove this account should be removed ENHANCED  RECOVERY CORP  Balance {$25.00} Original Creditor :  XXXX  High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.     Remove from my report Immediately
Product: Mortgage

XXXX the mortgage company and the mortgage serving company have reported the same amount due on my credit report. This makes it appear as though I owe XXXX as much as the balance on my mortgage.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Account XXXX XXXX XXXX Has violated my rights 15 U.S .C 1681 section 602 A states : I have right to privacy 15 U.S.C 1691 section 604 A section 2 : a consumer reporting agency can not furnish account without my written permission
Product: Checking or savings account

On XX/XX/year> I was charged {$190.00} by a XXXX XXXX out of my Checking Account with Prosperity Bank, I disputed this charge and told them I have never authorized or received a charge from this company/source. They gave me a provisional credit and on XX/XX/year> the claim was denied, even after the customer service representative had told me that MANY fraudulent charges have been occurring through their bank and assured me my money would most likely be returned. My brother told me to report this to the CFPB so here i am now, I am a father of XXXX and have a mortgage payment and we live check to check so losing {$190.00} is absolutely unacceptable please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting financial discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXr XXXXXXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

I'm sending XXXX XXXX to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency XXXX, XXXX, XXXX are committing fraud against me

. By reporting information that resulted in identity theft, pursuant to, 15 U.S. Code 1681 ( e ). Also 18 U.S. Code 894, they have and continue harming my my name as consumer and ruining the fact of presenting a better credit score if it wasn't for these fraudulent occurrences.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, RE : XXXX XXXX XXXX XXXXXXXX I am demanding the following late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15usc1666b- late payments 15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. 
Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..
Product: Debt collection

After numerous power outages, water shut offs, " temporary '' ac shut offs and work orders created, the property became uninhabitable and the business was in violation of their lease agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  ( Original creditor : XXXXXXXX XXXX ) XXXX Balance : - ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquiry XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent annual credit report. I've noticed that experian is reporting inaccurate information on my consumer credit report. Collection item under the name ; XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX. 

Please see description in the attachment Account under the name XXXX XXXX XXXX has reported an inaccurate account without providing notification five business days prior to report in this account. A violation of federal law FCRA rules section 605b.
Product: Mortgage

I asked for assistance during this Pandemic of Covid. XX/XX/XXXX. I was deferred 2mos, advised forbearance..announced 4 mos into forbearance I was explained a full amount due in 4 months. I specifically stated I can't afford that what are options available. I was told contact the Select Portfolio Servicing Provider to assist on further programs available. I contacted in XXXX to be advised for mortgage assistance. On submission of documents ( 3 attempts ) I was told " Congratulations " you are under review for 30 days We will contact you. There was no contact untill I XXXX XX/XX/XXXX to hear I've been mailed a letter dated XX/XX/XXXX XXXX stating I've been Denied of All / Any Programs available. I'm declared " Default '' as to record that is going to report to credit bureaus The last year I have made {$500.00} payments on agreed of forbearance XXXX XXXX XXXX No explanation or writing until XXXX of a lump sum balance {$12000.00} be paid in full / or {$2.00}, 746.00 be paid for 12 months. I explained of XXXX Local Residents impacted by Pandemic Shut down / Closing of my part time buisness ( 3 x ) solely on my part time as a XXXX  worker, married with a husband who is also been affected by the Pandemic / close of buisness. I'm seeking help from local HUD COUNSEL and all other administer to this COMPLAINT. Furthermore to my own legal representation if necessary. I REQUEST IMMEDIATELY A RESPONSE FROM SELECT PORTFOLIO SERVICES from XXXX XXXX untill present XXXX XXXX. I have YET no contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my credit file that needs to be block or removed based on the FCRA Acc # XXXX Opened XX/XX/2017
Product: Credit reporting or other personal consumer reports

a 1099c was submitted and accepted by the irs..it has been written off as cancellation of debt and should not be on my credit report or have a balance..the information is incorrect
Product: Credit reporting or other personal consumer reports

Company name : Cap One Auto Finance Account Information : # XXXX Date Opened : XX/XX/year> I am writing to formally dispute the reporting of a charge-off on my credit report. The reporting of this account is inaccurate and violates several federal statutes designed to protect consumers like myself. Furthermore, I have reason to believe a 1099-C may have been issued for this account, which further necessitates the removal of the charge-off from my credit report. 



1. Failure to Properly Investigate Disputed Information ( 15 USC 1681i ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a timely and thorough reinvestigation of disputed items. I request that you validate this charge-off, including documentation that proves its accuracy, completeness, and compliance with legal standards. If you can not provide such proof, you are required to delete the charge-off from my credit report.

2. Furnisher Responsibility to Provide Accurate Information ( 15 USC 1681s-2 ) This section mandates that data furnishers provide only accurate and verifiable information to credit reporting agencies. If the creditor issued a 1099-C, this indicates that the debt was canceled, forgiven, or otherwise discharged. Reporting the charge-off after a 1099-C issuance constitutes inaccurate reporting, as the debt is no longer valid.

3. Notice of Correction for Billing Errors ( 15 USC 1666b ) The creditor may have failed to properly notify me of billing errors or provide me with accurate information regarding this account, in violation of federal law. I request that you provide documentation of the creditors compliance with this statute.

4. Implications of a 1099-C ( IRS Cancellation of Debt Notice ) A 1099-C form serves as acknowledgment by the creditor that the debt has been canceled or forgiven and may have been reported as income to the IRS. If a 1099-C was issued for this account, this debt can not be legally reported as owed or charged-off, as it is no longer collectible. Please provide proof that this account has not been canceled and is still valid. If no such proof exists, the charge-off must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results o
f your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immedi
ate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. I told the Experian, XXXX, and XXXX to reinvestigate however they said everything was complete and accurate but how is that possible if the last open date, date of last activity and much more is incorrect. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX  XXXX Has violated my rights.

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

To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against TransUnion for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to formally file a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple requests, TransUnion has failed to remove several unauthorized and unverifiable hard inquiries from my credit report. 

Here is a summary of my efforts to resolve this matter : First Dispute Sent : XXXX XXXX XXXX, to TransUnion requesting removal of unauthorized hard inquiries ( see attached copy of the letter ) ( TU ). 
Second Dispute Sent : XXXX XXXX XXXX, as a follow-up to the initial dispute, again requesting removal of the same unverified inquiries ( see attached copy of the letter ) ( XXXX ). 
Third Dispute Sent : XXXX XXXX XXXX reiterating the request and emphasizing the continued violations of federal law ( see attached copy of the letter ) ( XXXX ). 
Despite these letters, TransUnion has continued to report the unauthorized and unverifiable inquiries on my credit report. Under the FCRA, TransUnion is required to remove any information that can not be verified. Specifically, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any disputed information that can not be verified must be promptly deleted from the consumers file. 

The following items are among the inquiries that have remained on my credit report, despite being unauthorized and unverifiable : XXXX XXXX XXXX, Hard Inquiry, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified late payment... ( and several others ) In addition to the removal of these inquiries, I requested that TransUnion provide documentation used to verify these inquiries, including the name, business, address, and telephone number of the person or entity contacted during their investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). TransUnion has failed to provide this information within the 15-day timeframe stipulated by law. 

I am requesting that the CFPB investigate this matter further and take the necessary actions to ensure TransUnion complies with federal regulations. I also ask for the immediate removal of the disputed items from my credit report and for compensation for the harm caused by TransUnions negligence in handling my disputes. 

Thank you for your attention to this matter. Please feel free to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Prepaid card

I was gifted AMEX Rewards Cards from my Employer. XXXX cards total. The card specifically states it can only be used online as it is a virtual card. No merchant will accept the payment? 
Card # XXXX : XXXX Card # XXXX : XXXX Card # XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out several disputes to equifax and I never received any response up to and even after the 30 day period alloted for them to reply. On XX/XX/2023 I sent out another dispute asking them to remove the negative items because they are inaccurate and because of the fact I never received any response for them. On Today, XX/XX/2023 I havent received any response back for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX This is incorrect and needs to be removed from my credit file. Its clear that they are being negligent on purpose. Its been over 60 days at this point that I have received a response for the accounts mentioned above. All correspondence I sent to them will be included.