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

Due to my non-US-resident status I had difficulties, in credit ard using and money transfer from my Bank of America account, so I had to close the account. Bank of America assured me that the easiest way is to get the chek of the final amount of money on my account. I previously had problems here in XXXX where I live, so I specificly asked BofA supervisor to transfer the money. But she reassured me that this is the simplest way of getting my money. I received the check dated on XX/XX/2022 recently and non of my banks could cash it. I also asked other banks and it looks that I can not find any way to get my money. I asked BofA remedy this issue, but the lonely ansqwer I got was that the can not help me. The check expires in 120 days after issue date, so, I am affraid that BofA will take my leftover money forever. 
I spent days on the phone with BofA employees and its irritates me that they still not help. I would like to have my money back and have some compensation for the times I spent on phone.
Product: Credit reporting or other personal consumer reports

THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT LEXIS NEXIS ARE REPORTING ON MY XXXX, XXXX & XXXX CONSUMER REPORTS . LEXIS NEXIS STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH LEXIS NEXIS BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). 
I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. LEXIS NEXIS CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY LEXIS NEXIS ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO XXXX   COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, XXXX, AND XXXX CONSUMER REPORTS IMMEDIATELY. 

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

I disputed this account with all three CRAs multiple times but all of them just came back with no changes and saying resolved.Capital one bank is reporting a balance/past due that is also reported by XXXX XXXX that bought the the account. Only the owner of the account can report the balance/past due. per the law if a creditor sells the account they must report a XXXX balance as the law requires accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

An XXXX account, XXXX, for which I was an authorized user on is inaccurately reporting on my credit report and violates my consumer rights per the following information : There are a few inconsistencies between the three credit bureaus in the account information provided. The most significant inconsistency is that the account is reported as closed on TransUnion and open on XXXX. This violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires that credit bureaus report accurate information about the status of an account. 

Additionally, there is a discrepancy in the reported high credit between TransUnion and XXXX. TransUnion reports a high credit of {$0.00}, while XXXX reports a high credit of {$7100.00}. This inconsistency violates FCRA Section 607 ( b ), which requires credit bureaus to report complete and accurate information. 

Finally, the reported date of last activity and date of last payment also differ between TransUnion and XXXX. TransUnion reports a last active date of XX/XX/, while XXXX reports a last active date of XX/XX/. Similarly, TransUnion reports no date of last payment, while XXXX has no data on the date of last payment. These inconsistencies violate FCRA Section 623 ( a ) ( 1 ), which requires credit bureaus to report complete and accurate information about a consumer 's credit history and can harm the consumers ability to obtain lending.
Product: Debt collection

My complaints is not just about the 30 day " notice '' letter. Which I never received about this debt. The only reason I know about this is because I received an alert from my credit monitoring service. I have been working on my credit and it is looking great until this happened. 
Real quickly, my monitoring service just posted a collection from Grant & Weber account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. As stated above I never received a phone call nor any letters from this company. 

Additionally, it shows as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. 

The issue is now I have 2 negative items that are effecting my debt to credit ratio twice for the same debt. My understanding is that is either an FCRA volition or an FDCPA violation or both. You can't have the same debt count against you twice. Not to mention both companies are reporting different amounts and I have no idea if any dates are correct but likely that is wrong too. 

Since the collection agency, out of XXXX XXXX, I am in Texas, has never contacted me or allowed me 30 days to dispute the debt or settle the debt. Both accounts seem to be hitting my debt to credit ratio twice and who knows what is right or wrong. I am requesting it be removed from my credit report or the burden should be on both companies to sort this out and to send me correct information. I believe the collection agency should not even be allowed to collect on my credit report at all however.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXXXXXX Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Product: Credit reporting or other personal consumer reports

What Happened? 
I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/XXXX ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : XXXX XXXX XXXXXXXX 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 FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''
Product: Credit reporting or other personal consumer reports

As of recently I have been going through my credit report to build my business credit and I noticed several inaccuracies on my account. These accounts are hurting my ability to obtain business credit. It is to my knowledge that your company will investigate the item for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX : 1 ). Name : XXXX Account # XXXX {$0.00} 2 ). Name : XXXX XXXX XXXX Account # XXXX {$XXXX.00} 3 ). Name : XXXX XXXX Account XXXX XXXX XXXX : 1 ). Name : XXXX Account # XXXX 2 ). Name : XXXX XXXX Account XXXX XXXX XXXX : XXXX ). Name : XXXX XXXX XXXX Account # XXXX 2 ). Name : XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 numerous times and reporting discrepancies, my financial institutions 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 CFPBs finding 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: Money transfer, virtual currency, or money service

I had two money transfers cancelled for unknown reasons and never had this problem with this service but customer services was clueless!!!
Product: Money transfer, virtual currency, or money service

Hello XXXX XXXX, We received the claim you filed for the following transaction : Dispute Case ID : XXXX Transaction Amount : {$90.00} USD Dispute Amount : {$90.00} XXXX Transaction ID : XXXX Transaction Date :XX/XX/XXXX If You Have Additional Information Please Send it to Us Please provide the following documentation and any other relevant information to support your claim within 3 days. Please note that if we do not receive the information we may not have sufficient information to resolve this dispute in your favor. 
Please provide a brief, but clear explanation of why a credit is due. 
Next Steps If you have this information, you can send it to us via your PayPal account. To help protect your information, we do n't accept files that are sent as email attachments. 
To send us your information, go to the Resolution Center. Then click the Case ID under Resolution Center cases. Click Upload file under Case actions you can take, and then follow the instructions to upload the files. 
Want to Cancel or View Your Claim Status? 
If you would like to cancel or view the status of this claim, you can do so by visiting the Resolution Center. Click the Case ID, and then click Cancel Case under Case actions you can take.
Thanks, PayPal Order made with XXXX XXXX and only way to pay for order was PayPalXXXX is taking 0 action to resolve this complaint regarding one of their vendors -PayPal is taking 0 action to refund to my bank account fromXX/XX/XXXX to todayXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2018 I purchased a used good condition vehicle from dealer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 
( XXXX ) XXXX-7876 at the same time I did Purchased a Vehicle Insurance for the vehicle Contract #  XXXX. FL License # XXXX VIN : XXXX 2011 XXXX XXXX XXXX XXXX XXXX XXXX The Financial transactions was Lien holder by West lake Financial Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This Vehicle start problems on immediately after Last Week XXXX, Leaving me in the Road onXX/XX/XXXXXXXX first week, When I took the car back to them ( XXXX DEALER ) they was informed that vehicle chain change was completed in improper procedures and the Car need a New Motor, At this Point I call Insurance XXXX XXXX, they told me one of theirs Authorized mechanics will revise the vehicle. up to today I have not received any answer or resolutions to address this incident, However I did payment for the Vehicle XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the Bank West lake Financial Services. 

The Dealer advice the Car need a New Motor and XXXX XXXX XXXX refuse to pay anything to fix the Vehicle. 

I will like juts to know in this case if I purchased a Lemon Car what are my best practice to ensure my record don't get missed up with this Financial Transactions because I won't be able to continuing a payments for a Car I do n't Drive.
Product: Debt collection

Credit Collections {$100.00} On XX/XX/20 I sent a letter over to Credit Collection after noticing an account on my credit with no response. 

I also sent a follow up letter on XX/XX/20 since I did not get a response and still have not heard back from them. 

This account comments shows that it was disputed and meets the FCRA requirements but I have no gotten any reply from them about this debt or the validity of it.
Product: Debt collection

I received a bill from XXXX XXXX for sum of XXXX. I would like to file for identity theft. I was not the patient at the time service. I have a full time job and live in a different county.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX : XXXX, 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 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
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 hard inquired was also placed on my credit report that Im asking to be removed as well. 

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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  XXXX : Account number : XXXX, XXXX XXXX  | XX/XX/year> : XXXX  : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX  XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
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. 

XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 : 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 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

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my XXXX  instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this account by Columbia Debt Recovery or Genesis Credit Management. I read according to the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. I have never heard of this company and have not signed a contracts or documents with this company which made me file a complaint. The price from the email and what's being reported don't match. The business names don't match. As stated previously no documents have Columbia Debt Recovery or Genesis credit management anything on them. As well as a signature on paperwork looks forged, copied, or unrecognizable. By 15 U.S.C. Sec. 1681i ( a )? I heard that if they cant provide proof, of actual validation of debt or actual documents from Columbia Debt Recovery or Genesis Credit Management these accounts must be deleted. 
Please investigate the following account and remove them if anything is missing or not correct.
Product: Credit reporting or other personal consumer reports

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, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 or other personal consumer reports

Vehicle was purchased then totaled by tornado XXXX  months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX  and did not. We followed up at east XXXX  times. The last time we followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the GAP refund check in a timely manner ( it took 3 months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been damaged because of this.
Product: Credit reporting

I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX Collections. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX Collections in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.
Product: Prepaid card

We have bought XXXX cards which has CVV and expiry date and balance dollar values. I checked the amex link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. 

We have attempted to use this websites and some local stores where Amex cards are accepted and the transaction is getting declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year. This is supposed to be accepted anywhere which accepts American express cards since it has loaded actual cash value plus the fees.