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

WHAT THE XXXX??? This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company ERC is using a stall tactic claiming that I am using a XXXX party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my disputes. I've recently received notification from the credit reporting agencies that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed is permanently deleted from my credit file as it is reporting incorrectly. Should ERC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I have been using cashapp for over 2 years. The last year receiving my direct deposits thru cashapp. I am trying to withdraw my remaining amount of currency from my cashapp account to my checking account and cashapp is refusing to release my money.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint regarding the incorrect information on my credit report from TransUnion. My report shows an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a wrong name listed as " XXXX XXXX XXXX. '' The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my correct legal name is XXXX XXXX XXXX . This incorrect information is affecting my credit and causing unnecessary confusion. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and have it corrected. I'm requesting that TransUnion investigate this matter, remove the incorrect address, and update my name and address to reflect the correct details. Thank you for your assistance in resolving this matter promptly.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with zelle handling 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 tracking was unfeasible. The CFPBs findings indicate 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 consumers safety.
Product: Credit card or prepaid card

- My credit card information was used fraudulently on XX/XX/2023 at XXXX XXXX  EST. 
- My credit card is with Bank of America ( Travel Rewards card ). 
- The card was used at XXXXXXXX XXXX store at XXXX XXXX in XXXX, XXXX. 
- The card was charged 3 times - {$540.00} ( approved ), {$190.00} ( approved ), and {$260.00} ( declined ), for a total of {$730.00} that I was charged with. 
- I IMMEDIATELY opened a claim and discontinued my credit card once I got text messages about the charges. 
- These charges were NOT MADE BY ME- I was physically at my place of work, XXXX XXXX XXXX in XXXX XXXX. 
- I have the phone number of multiple coworkers who can attest I was at work. I also informed multiple coworkers about the situation, they can attest I discussed my credit card information being stolen. The phone numbers of these witnesses/coworkers are : XXXX, XXXX, XXXX. 
- My claim was DENIED on XX/XX/2023. 
- I tried calling Bank of America to dispute and they were not helpful and told me to open a police report.
Product: Money transfer, virtual currency, or money service

A buyer sent funds through XXXX XXXXXXXX XXXX XXXXXXXX, which should offer the buyer no protection on XX/XX/year>. 

Buyer claimed item not received and did a chargeback through XXXX on XX/XX/year>. XXXX created a negative balance on my end. 

Provided evidence contradicting buyer 's position including proof of delivery on XX/XX/year> ( backup attached ). 

Buyer reversed the chargeback on XX/XX/year> ( guilty conscience? ), effectively giving XXXX the funds again ( backup attached ). 

XXXX with XXXX on XX/XX/year>, they state it will take up to 75 days to process the chargeback and that I should pay XXXX to cover the negative balance on my end. 

XXXX effectively ignored all evidence that leads to scamming and even though the scammer reversed, they still demand seller pay the negative balance. XXXX is effectively double dipping hoping to collect from buyer AND seller.
Product: Credit reporting or other personal consumer reports

Law offices of Maury Cobb/ XXXX are pursuing collection for a debt already paid. XXXX shows the account open and unpaid. This is incorrect. The account was paid in full to XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I noticed that my credit card company charged me a late fee and interest on my previous bill. I had paid it without realizing that I had been charged this fee and interest. The charges are illegitimate. I wrote the check for my payment on XX/XX/2018. At the latest it was in the mail early on XX/XX/2018. It was due XX/XX/XXXX. 
But the credit company did not deposit the check until XX/XX/XXXX. I have never in my life had a late credit card payment. 

I immediately called my credit card company. To the best of my knowledge, the company refunded me the late fee and part of the interest. But it refused to refund all of the interest to me. 

That day I wrote a letter to the company to complain more formally ( it was in the mail on XX/XX/XXXX ). In a letter dated XX/XX/XXXX, the company declined to refund me for the remainder of the illicit charges. 

I accuse the credit company of sitting on payments and failing to deposit them promptly so as to charge customers fees and interest. As further evidence of this : I sent my last check to the credit company on XX/XX/XXXX. Payment was due XX/XX/XXXX. The company did not deposit the check until XX/XX/XXXX! ( I should not receive a fee or interest charges this time because I paid on-line the day before, out of fear that the company would not deposit my payment on time. Thus, the company extorted a double-payment from me. ) Note also that my complaint letter, sent XX/XX/XXXX, received a response on XX/XX/XXXX. How could a bill payment take so much longer to receive?
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX   INCDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXXXXX XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX XXXX filed ftc on all above
Product: Debt collection

Several phone calls were made to FISERV between XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX notified me that my BillPay account was inactive due to an old XXXX XXXX XXXX account from XXXX. They instructed me to call FISERV to get additional information on the XXXX account. The phone number XXXX has a recording that says XXXX XXXX pay was an option online. The recording also states you can press XXXX to make a payment over the phone. So I entered my SSN and the last XXXX of my XXXX account number. The recording then said my XXXX account was active and no monies were owed. The ONLY " proof '' I have received about this debt is from the FISERV reps, who consistently refused to provide written proof of the debt when I requested it. If FISERV is trying to collect a debt, they are required to provide proof of monies owed when it's requested. I also do NOT feel comfortable giving my debit card information to a random representative ; I have a pending case with the XXXX XXXX Police Dept for a recent occurrence of identify theft. 

The XXXX response I received on XX/XX/XXXX claims they only keep records for 7 years so they can not provide information. Then proceeded to provide a phone number for XXXX XXXX XXXX. The account in question is tied to XXXX XXXX XXXX. If this debt is from XXXX, what is the statue of limitations for collection? This is a XXXX XXXX XXXX debt. 

Video proof of the FISERV recordings are immediately available if requested. Will also provide a lease agreement, showing my dates of residence at the address on file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately.15USC CODE 1681 The inquiries in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased an E-Book from XXXX XXXX on XX/XX/2020 in the amount of {$120.00}. We were unable to access the assignments because the code was either recycled or not valid. We emailed XXXX XXXX for assistance and got two emails stating they will take care of it, and did not. I called Capital One to dispute the charge, and they credited my card for the amount. They later recharged me the amount and said they needed me to send in evidence. I sent the emails of my correspondence with XXXX XXXX showing the codes were giving me technical difficulties.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX LL, XXXX XXXX XXXX, and XXXX XXXX account Under FCRA To Whom It XXXX Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of XXXX. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was XXXX. They lied, car was all current, they then said i owed the XXXX ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see several 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I went to see about a car loan out of curiosity in XXXX Texas XXXX which I had already applied online.So I went to my online to unlock my reports from all 3 credit bureaus.The only one 's I could do is XXXX and XXXX to unlock those reports, I could not do Transunion at all because it has a freeze on it, which I called the number to unfreeze it it would not allow me to unfreeze it at all onXX/XX/2021I specifically told the dealership if you decide to do it just let it be XXXX XXXX or my Bank, so after they realize they could not get the deal done they told me to go to my source of financing.So I left the dealership with the deal undone, with no inquires on my credit report from Transunion because my report had a freeze on it which I could not get into after calling the number XXXX and a second number XXXX which I could not get my report unlock from XXXX XXXXAfter leaving the Dealership with the deal undone.I expected no surprise inquires on my credit report at all from Transunion.On XXXX XXXX I was awaken by my phone at XXXX in the morning that alerted me that someone had taken the freeze off my credit report from Transunion and put a lock status on it XXXX which it is still unlock until this day, this should have never occurred, because I did not change the status to unfrozen to a lock status whoever went off into my report at XXXX in the morning made that change and sent my report to five different inquiries with some non working numbers, which I have Transunion to dispute them all.There were only two attempts to get into my credit report from Transunion, which that let me know there was a freeze on my credit report from Transunion, so how did they get off into my report on Sunday morning at XXXX Sunday morning is a question I would like to know? I believe someone changed the file numbers on my report from Transunion the alerts came from XXXX XXXX which I am a member of that particular group.On this day ofXX/XX/2021.I call the emergency number XXXX, but I was not for sure where their police station was in XXXX Texas, which I called back the number XXXX XXXX XXXX XXXXXX/XX/XXXX and did not leave a voicemail.The dispatcher left a voicemail though, so I figure I would try to resolve it when I get back home a file a consumer protection bureau report after gathering some information.The inquiries were XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXl XXXX XXXX XXXX and XXXX XXXXThese inquiries should have never occurred because there was a freeze on my credit report and the status change from frozen to a lock status on my account.Look at the papers that are scan to you all XXXX in the morning the file was frozen at the time there was not lock on it my credit report was frozen, but the file was delivered to those 5 inquires on XXXX XXXX
Product: Mortgage

On XX/XX/2021 I made the payment of the balance on the mortgage of {$43000.00} my normal payment was {$1200.00} I received a statement in XXXX that showed XXXX due but had a loan balance of XXXX so i made that payment of XXXX so there would be nothing left owed. 
late in XXXX i get a call from Shellpoint claiming they are a debt collector and I owe XXXX for the mortgage payment and if I don't pay they will ding my credit. i asked what is my loan balance? she said that's weird its showing you don't have one. i say how do i owe you anything? puts me on hold and said there is a pay off amount to release my title to the home. I say i paid the XXXX she said its more because of late fees. i say how am i late i have paid everything you asked for plus much more. she said she will look into it 2 days later another person calls me again asking for XXXX. I tell her you guys need to get this figured out and send me a bill for whats owed. finally the 3rd person calls me and last day of the month saying i owe the XXXX i said you guys better not be messing my credit up because you cant get your books figured out. i say look at the balance she says oh that's weird ... finally she says i owe XXXX and she can pull the money out of my account. i have all the bills showing nothing is owed and i paid every thing that was on there and can attach the proof. this company is horrible about keeping the records straight and has now caused my credit to drop XXXX points because they reported me late. even though i wasn't. please investigate there has to be many other people that they are taking advantage of because they don't have as good records as i do. also they said i was being recorded each time so please get the conversations and you will see.
Product: Debt collection

I was XXXX XXXX XXXX XXXX XXXX  XXXX, went to the hospital, gave all of my health insurance info to several employees, I'm insured with Veterans Administration. I received a letter in some time later ( not sure of date maybe in XXXX  sometime ) saying bill had not been paid, I ignored it thinking VA just is slow in processing payment. I received a collections letter from Collection Services of Athens in XXXX, phoned Collection Co. XXXX and spoke with XXXX, advising I have VA insurance and gave that to everyone at time of service. I advised my last name has a " XXXX '' listed and due to them not correctly submitting form that may be why VA hasn't paid. They resubmitted, VA denied payment because over 6 months had passed and VA, in denial letter, advised " patient is not responsible ''. Collection company continue to call me, I advised I have insurance that covers this, had they filed properly and timely this would have been paid. All of the other providers were paid and they would have been too IF they filed properly. They didn't and now they want me to pay something that I never would have owed had they filed proper paperwork. They have also put this on my credit which negatively impacts me for their mistake.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/XXXX  ) ( XX/XX/XXXX  ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Vehicle loan or lease

I, the consumer and natural person was denied credit by LightStream, on XX/XX/2024, when I applied for an auto loan to purchase a new car. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are

subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by LightStream due to the response I received.

LightStream, is in violation of 15 U.S code 1642 U.S.C 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number was used and I received NO benefit. This is proof of fraudulent activity on behalf of LightStream. 

If LightStream fails to make any reasonable procedures to resolve this matter and compensate me for the use of my social security, I will indeed make LightStream criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681m and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. 


Thank you, XXXX, XXXX XXXX