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

XXXX XXXX has changed information on my credit report stating originally that I was late with payments in XXXX and XX/XX/XXXX. They also reported that I closed the account in XXXX of XXXX. If the account was closed in XXXX of XXXX I could not have been late in XXXX of XXXX. I sent in a complaint about the erroneous information and after they reviewed the information and having reported this negative information for several months changed the negative reporting to being Late in XXXX of XXXX and late in XXXX of XXXX to fit their narrative. This incorrect information has cased financial harm due to me because of its incorrect reporting for several months. Financial discrimination by reporting incorrect information on a consumers credit report should never be allowed.
Product: Checking or savings account

wells Fargo illegally and without my authority or knowledge charged my checking account three times, at {$31.00} each time for a total of {$93.00}, for simply changing with my utility company where my monthly payments will be taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reach out to XXXX XXXX on my behalf that they had closed my account they verify that the account was fully closed but they continue with the harassment they recently stated that my account was closed but send me a letter stating that my dispute towards them was falses and that it doesnt hold weight as a consumer they are violating my consumer fair credit reporting act rights this account was removed from XXXX and I would like to be removed from XXXX and Experian as well this company just like to take advantage of there customers and then violate there consumer rights
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 U.S.C. 1681. 

XXXX XXXX  # XXXX {$920.00} date opened : XX/XX/XXXX, XXXX XXXX-acct # XXXX {$5800.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} date opened : XXXX XXXX & XXXX, XXXX-acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX XXXXXXXX-acct # XXXX {$6600.00}, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXacct # XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$10000.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXXacct # XXXX, XXXX XXXX XXXX, XXXX-acct # XXXX ( XXXX ), XXXX XXXX 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 also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

Re : Dispute of Inaccurate Information Account Number : XXXX Dear Experian, I am writing to dispute inaccurate information contained in my credit report regarding an account with XXXX XXXX. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$750.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : - Highest Balance : {$750.00} Terms : XXXX Month On Record Until : XX/XX/XXXX Payment History : Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account contains several inaccuracies that I believe to be incorrect. Specifically : Status : The account is listed as a collection account with a past due amount of {$750.00}. However, this information is inconsistent with my records. 
Comments : The account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), which implies that the previous dispute did not resolve the inaccuracies. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification. 
Additionally, I would like to point out that XXXX XXXX has not provided any documentation proving the validity of this debt. Without proper verification, this account should not be listed on my credit report. If the account can not be verified as accurate, I request that it be removed from my credit report immediately. 

Enclosed are copies of my credit report with the highlighted inaccuracies, as well as proof of my identity. Please complete the investigation within the timeframe required by the FCRA and provide me with the results. If this account is not verified as accurate, please remove it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
Product: Debt collection

Attempted to call GC Services in XXXX TX after a collection was posted on my credit file. Debt is not mine. GC Services is unreachable through a phone tree that requires information that I do not have. 

They also never attempted to contact myself prior to turning the debt in for collection. 

Also contacted XXXX, but they want more information for a service I did not receive. Why is it possible for someone to open accounts/credit in my name and run up thousands of debt without a thorough or complete credit check? Then in turn, the company wants more information from myself to cancel fraud than was likely given to open an account. Why should I have to take my time to prove they are at fault and that it wasnt me rather than a thorough credit check?
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting a late on my credit file for the months of XX/XX/XXXX, XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that Comenity Bank makes a goodwill adjustment and remove the late notations from my credit file.
Product: Credit card

It is about a Bank Of America Credit card fraud. Someone use my " card '' to make multiple purchases from a XXXX in XX/XX/year> and meanwhile this card is only being used for online payments and the physical card is actually never left the house. Submitted a claim in XXXX and got below final closure on XX/XX/XXXX after review. 

The most of the claimed amounts were rejected for the disputation claim which is unacceptable as those were absolutely not made by me and have no idea about why the closure letter is saying " wasn't an error ''. What kind of " error '' does the bank look for? 

The claim closed with below text : Were happy to tell you that your account was credited a total of {$10.00}. You dont have to do anything on your end youll see the adjustment ( s ) on your monthly statement.

Unfortunately, we determined there wasnt an error on the following transaction ( s ) totaling {$260.00}. 
DATE TRANSACTION DESCRIPTION AMOUNT XX/XX/year> XXXX XXXX {$15.00} XX/XX/year> XXXX XXXX {$8.00} XX/XX/year> XXXX XXXX {$9.00} XX/XX/year> XXXX XXXX {$88.00} XX/XX/year> XXXX XXXX {$8.00} XX/XX/year> XXXX XXXX {$17.00} XX/XX/year> XXXX XXXX {$29.00} XX/XX/year> XXXX XXXX {$4.00} XX/XX/year> XXXX XXXX {$35.00} XX/XX/year> XXXX XXXX {$17.00} XX/XX/year> XXXX XXXX {$24.00} XX/XX/year> XXXX XXXX {$1.00} XX/XX/year> XXXX XXXX {$0.00}
Product: Debt collection

I have contacted this company United Resource Systems Account # XXXX a Debt collector To remove the COMMENT on credit report ( Account information disputed by consumer ) They do n't want XXXX to remove that comment even though the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas office. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
Product: Credit card

I have a XXXX credit card. It was through XXXX Bank and recently changed to Capital One. When the name change took place, it caused my credit score to drop by 30 points!! It is showing on my credit report as an increase in my balance from {$XXXX} to {$900.00} when in fact it was {$900.00} to {$900.00}. I have absolutely no control over a credit card changing to a different lender and feel this is extremely unfair for it to report this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY XXXX REPORT AND XXXX THAT HASN'T BEEN REMOVED. XXXX ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I borrowed {$1000.00} To date I have paid {$7400.00}. 
On XX/XX/XXXX I called and talked to XXXX at XXXX XXXX. She I had a current balance of {$1700.00}. I confirmed with XXXX that my revoke of authorization for auto XXXX XXXX charges was received and place on my account as of XX/XX/XXXX. 
I have repaid my load more than 7 times over and the balance keeps going up. 
I have asked for a help but don't receive any.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
XXXX XXXX
Product: Credit card or prepaid card

This letter is in response to Capital One and XXXX XXXX XXXX. I entered a verbal contract with XXXX XXXX XXXX on X/X/2017 that they would lower my total loan balance from {$61000.00} to {$480000.00}. This would lower my payments to {$400.00} a month. I paid a {$1000.00} fee for this on my Capital One account via email. I signed a release letting XXXX have access to look at my Student loans to complete this process. As soon as I signed the release it was deleted from my email and I was unable to ever open the document again. XXXX later informed me that neither of these things would happen. My total student loans were not lowered at all and they could not lower my monthly payment to anything less then {$680.00} a month. This was unacceptable and a refund was asked for. XXXX eventually agreed to refund my money, but never provided the refund. Several calls and messages were left and every time I actually spoke with someone I was told that the refund was in process. Then the number quit working. I disputed the charge with Capital One, but I did not have full information from XXXX, as all I had was a verbal agreement. Capital One produced a contract that they said I signed. I did not sign a contract with XXXX and this was told to Capital One. Capital One decided that they would not do anything about the charge because of the contract. They sent me a copy of the contract that I had never seen until it was sent to me by Capital One. Once Capital One sent me a copy of the contract I then had more contact information for XXXX so I again contacted XXXX. XXXX agreed to cancel the charge. I spent many, many phone calls and time speaking with customer serviceat Capital One, but since they already said they would not cancel the charge I was left with it. I tried to get them to call XXXX with me so we could take care of the issue, I was put on hold for a long time then told my case was closed. I informed them I had a voice mail stating that I was getting the refund. Capital One did not want to do anything and told me to wait for the refund. Capital one and I have had a bad relationship as several months prior to this I had paid off my account ( as I do most every month ) only to get a credit to my account later from an item I returned. The refund was on my account for a month then the credit disappeared. Capital one said they sent me a check that I never received. Nor did they ever mention to me that they had or were going to send me a check. I did get the rest of my mail and ALL of my statements. Including my next statement that had a new charge, but no credit. I spent again many, many phone calls and hours with their customer service trying to get my money that had just disappeared from my account. This took MONTHS and more phone calls then I can count. Several months later they did eventually send me the check. Before this incident I had an excellent credit score, I had NEVER made even so much as a late payment to any of my credit cards, including my Capital One card that has a {$20000.00} limit. The only balance on that card is this disputed charge, and associated fees.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I am writing to formally dispute and request the immediate deletion of inaccurate information from my credit reports. Specifically, I am addressing a charge-off account reported by XXXX XXXX XXXX XXXX The discrepancies in reporting across Experian, XXXX, and XXXX are concerning and do not accurately reflect my credit history. 

Account Information : Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account Number : XXXX Date of First Delinquency : N/A Current Status : Charge-off Discrepancies : Address Variation : There is inconsistency in the reporting of the creditor 's address across the XXXX credit bureaus. Experian and XXXX report the same address, while XXXX shows a different XXXX XXXX XXXX. This inconsistency raises concerns about the accuracy and reliability of the reported information. 

Payment History : There are significant disparities in the payment history reported by Experian, XXXX, and XXXX. Experian shows payment history from XXXX to the present, XXXX from XXXX to the present, and XXXX does not display any payment history at all. Such discrepancies cast doubt on the accuracy and completeness of the reported information. 

XXXX of XXXX XXXX : There is conflicting reporting regarding the status of the account from XX/XX/XXXX to XX/XX/XXXX. XXXX indicates that the account was current/terms met during this period, while Experian reports the same dates as the charge-off period. This inconsistency further highlights the inaccuracies in the reporting of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus are obligated to report accurate and verifiable information. The discrepancies outlined above demonstrate a failure to comply with these legal requirements. Therefore, I am formally requesting the immediate deletion of the inaccurately reported charge-off account from all three credit bureaus. 

According to the FCRA, inaccurate information must be promptly investigated and corrected or deleted from consumers ' credit reports. I kindly request that you conduct a thorough investigation into the discrepancies outlined above and take the necessary steps to rectify the inaccuracies in my credit reports. 

Enclosed with this letter are copies of supporting documents, including credit reports from Experian, XXXX, and XXXX, highlighting the discrepancies in reporting. 

According to statute 15 U.S. Code 1681s2 ; 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. I reached out to XXXX XXXX XXXX regarding my concerns and requested a copy of the original contract, but they did not respond to my request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX which does not validated a copy of bill does not substantiate deb.
Product: Money transfer, virtual currency, or money service

I here to write about my concerns regarding Zelle 's handling of transactions and disputes, 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 is a common problem for many other users and with a lack of accountability and transparency it is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX. I put a payment thru to a private party that I found on " XXXX '' for a private camper Rental. Per the owner request ( or so I thought ) they informed me that they had trouble or it took too long for them  to get their money from XXXX. 
" okay good, you can pay through paypal.this the paypal ; XXXX '' After I sent the Payment thru PayPal as I found PayPal to be Secure, I wanted to double check something on the Camper the camper was removed from the site. 
I emailed the so called owner and their response was " Yes all the rv listed on site are all gone for reservation and the one you booked for. '' This threw a red flag to me and I called PayPal to cancel the transaction. They let the transaction go thru. 
Now I have to do a dispute with the Credit Card Company. I am the person in charge of that PayPal account that is MY money not theirs. When I say STOP a payment they need to do as I said. I can not believe they let this go thru. 

XXXX was the complaint number. I'm very displeased that I could not stop a fraudulent payment. the email that is included with this whole mess that said they were the camper etc ... is XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX ACT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus took more than 30 days to complete my investigation. 

According to XXXXXXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). DELETE ACCOUNT.