23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account appearing on my personal credit report, as its presence constitutes a violation of consumer protection laws. 
This account is a business account and was not personally guaranteed by me. As such, it should not be reported on my personal credit file according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which stipulates that only accounts for which a consumer is personally liable should be reported on their credit report. Reporting this account as a personal obligation is not only inaccurate but also unlawful under the FCRA and other applicable consumer protection laws. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

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 XXXX third party, Account name : XXXX  Account name : XXXX XXXX Account name : Apple Card 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to transunion for the removal of the collection company ( XXXX XXXX XXXX ). After allowing time for the removal this hasn't happen. Last year this company and I reached a solution which lead to its removal. I ask for that to be the solution again since the dispute was to no avail.
Product: Debt collection

I do not know. 1 letter that I have received today. It not show any information. 
XXXX XXXX File number XXXX XXXX
Product: Money transfer, virtual currency, or money service

- Initiated a withdraw ( via bank wire ) of {$10000.00} USD on XX/XX/XXXX at XXXX. 
- A {$25.00} was wire transfer fee was deducted from the the total. 
- Wire is shown to have been completed, however, as of this writing ( XX/XX/XXXX ), the balance has not been received. 
- Created a support ticket alerting the Coinbase of the issue on XX/XX/XXXX at XXXX PST. 
- Received automated response on XX/XX/XXXX. 
- Follow-up email sent on XX/XX/XXXX.

- Received reply XX/XX/XXXX, but issue not resolved. 
Case : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate address I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate address : XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

After a decrease in income, Chase put us through a loan modification agreement. It started on a trial basis, during which all payments were made on time. After the trial ended, payments were maintained at the reduced rate while the documents were signed and notarized. In the meantime, Chase sold our mortgage to XXXX XXXX and failed to complete their process for the loan modification agreement. XXXX XXXX is not honoring the reduced rate that had been previously established. Chase also did not send the last mortgage payment and unallocated funds to XXXX XXXX.
Product: Credit card

I have been a customer with XXXX credit card, have made a timely payment for XXXX years. I had a sudden change in my minimum payments to be from {$100.00} to recently being charged {$180.00} I requested for my minimum payment to remain the same due to financial hardship and current inflation, I was put on hold for over XXXX minutes until I got disconnected. As a responsible credit card holder I was treated unfair. I attempted to resolve this issue directly and requested to speak to a supervisor. I am requesting for my current balance due to be decreased significantly for my troubles attempting to resolve this issue. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has falsely reopened an old student loan by XXXX that was closed in XXXX and rehabilitated. They have it as open with a balance and they have it listed as 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My loans are no longer with XXXX they are with XXXX and are current, in good standing.
Product: Credit reporting or other personal consumer reports

I tried to log into myEquifax and got this pop-up : Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX XXXX  XXXX ( XXXX ) I called and stayed on the phone until an XXXX agent answered. I gave the agent my XXXX XXXX XXXX, phone number and home address as requested. The agent asked for a cell phone number and I informed him I didn't own a cell or smart phone. He told me he could not verify my identity without a cell/smart phone number. 
I requested to speak with management and an XXXX lady came on the phone. I told her I don't own a cell/smart phone and she said I would need to send copies of my driver license, social security card and other items via post. I refused and asked for her XXXX. She told me she could not do that. I asked for the name of the CEO of Equifax XXXX and she said she could not give me that information. I asked her to send her requirements to me via the post and she said she could not do that. 
From what I could tell, she could not do anything at all. I informed her it was my legal right to freeze my account. She again repeated that I needed to send copies of information via post. 
I'm the victim of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and numerouse other breaches including the XXXX XXXX  of XXXX. As far as I can see, XXXX XXXX is making this harder than any of the other credit beurals so they can continue to sell data. I have the right to freeze this and XXXX XXXX is refusing. They have enough information to identify me. I know this because the other credit reporting agencies didn't need all the information I supplied. 
XXXX XXXX
Product: Debt collection

I requested proof of this debt with a signature and they did not forward any information. A print out does not validate and there are several XXXX
Product: Student loan

I was contacted XXXX/2016 stating that I had to act fast because president obama term was ending. They stated that they could help me repay my loans possibly not paying anything under the Obamas act. I was told that I made so little that I had no payments and that I would be charged $ XXXX mo for their service. They said they would sign me up and take care of all paperwork. I asked if I could cancel at anytime and they said yes. I asked what my apr would be at and they said 2 %. I asked if it would effect my payments when I got married and they said no. They told me that I do not claim my husbands income on the forms. I have been paying $ XXXX/mo for 1.5 years now. I have called and complained about how I have been told wrong info. You can never get a hold of anyone. No one wants to take credit for the information I was given, and come to find out the employee has been fired that soldy me this scam. I asked to be let go and cancel, they told me I still own them {$1100.00}. This company is a scam and ripping off young adults left and right. Someone needs to stop them! 
Company : Manhattan Beach Venture Employee : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you regarding XXXX XXXX account. I have asked for copies of documents on file and none have been provided, this account is not mine. This company is not licensed to collect debt in Illinois, and still proceeds to be reported. This has been way over 30 days multiple contacts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am supplying documentation/proof that " LENDINGCLUB '' was paid in full.

Please find a copy of the check made to LendingClub. LendingClub cashed the check on XX/XX/2021. 
The amount of the check ( {$2100.00} ) satisfies the amount due at the time which was {$2100.00} ( Credit reporting rounds up to the nearest dollar ). 
I also attached a copy of how this LendingClub account is reporting to my credit. 

Please rectify the reporting balance to zero OR delete the account entirely. This is a complete error and in violation of FCRA Rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I, XXXX XXXX, tried to cash a check in the amount of {$950.00} at Chase Bank. The check was deposited and never received because my bank account was closed. I contacted Chase Bank to resolve the issue or return my check and neither issue was resolved. On the week of approximately XXXX, XXXX, 2019 ( about a year later ) They told me to come into the branch the check was deposited with my government issued ID. However, due to COVID-19/Corona Virus I was unable to comply to this request. This check is not necessary but needed for me to pay rent and buy food as soon as possible. The time lost can not be repaid but moving forward i expect the money that was my right to own be repaid in full. As soon as possible.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus and asked for the verification of the information and was told that the bankruptcy court verified the information. Bankruptcy supplied me with a letter stating that THe bankruptcy court oldies not supply either credit bureau with personal information nevertheless any information. When I mention that I had a consumer Law Attorney! I was then told my the credit bureau that a third party supplied them with the information. I gave no one permission to buy, sell or obtain any personal information or information. The information has to be provided by the actual creditor or bankruptcy court itself to the credit bureau. I have reached out to a Consumer Law Attorney for further guidance as well. I have been going back in forward for a very long time. Also, XXXX keep saying that my account is fixed. I cant even review anything thats on my credit without going through the XXXX portal that I have to pay {$24.00} a month for, which then leads me back to XXXX. I just reached out to them today to ask for them to delete my entire account so that I can be able to set up a new one to keep a check on my credit account.
Product: Debt collection

Hello the American Coradius International sent me a letter stating that I owe XXXX usd to XXXX for a account that I have never used before. I called them to try and dispute the claim but I was told that their is nothing I could do about it besides pay the fee. Please help I did not do nothing wrong and do not have the funds to pay for this when it was not my fault. The letter has my name and address on it as well. I have done research and have heard of many people getting scammed after receiving these kinds of letters.
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  Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 card

I am having a problem with Chase Card. They are reporting an account with a high balance of {$3400.00} to the Credit Bureaus. I have written them multiple time requesting evidence bearing my signature that shows I have a contractual obligation to pay this debt to Chase. The only response I received was a copy of a credit card statement, but not any evidence with my signature to validate this debt. They also have failed to report to the Credit Bureaus within 30 days of my letter that this item is in dispute.
Product: Credit card

In XXXX I feel for a scam that has to do with XXXX XXXX. I clicked on the top result on XXXX and filled out my form and credit card info. The fee was {$250.00}. I thought that was a bit high, but then I filled out my boyfriends form and he entered his credit card and immediately got a fraud alert from his bank XXXX. I thought that was weird. Then looked more into it. Its because it IS a fraud company. So his bank blocked the charge. US Bank didnt even warn me. XXXX XXXX costs {$100.00}. This company is just taking peoples money to apply for them, while having the passport, the drivers license, the credit card. I immediately called US Bank after it happened, and assumed it would be resolved pretty quickly as it was on a credit card too and theyre obviously a scam, especially if XXXX caught it. I waited a few weeks and saw they gave the money to the scam company. This scam company changed their business name within that 3 week period. Is that not a huge red flag? When it said why they sided with that company, its because they never received my response. I called them and of course the agent was super rude, because everyone who works here treats you like XXXX XXXX XXXXXXXX for caring about YOUR money that THEY ARE HOLDING. The agent said its because I never filled out the paper work they sent me. I never received ANY paper work in the mail. The only letter I got from them was a you lost, scam company wins letter. Seriously? Why cant this be done digitally? Because they dont want to deal with it. They want to make it as hard as possible to get YOUR money back. I am extremely fed up with US Bank, I already closed all my accounts, but this dispute thing I would like to have resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND ALL 3 CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. EXPERIAN, XXXX XXXX XXXX  ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE 3 ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Product: Debt collection

XXXX XXXX, a company that my fiance and I rented an apartment from, sent us a letter stating we owed a lot of money that we did not owe. We had my fiance 's aunt-who is a lawyer contact the woman who wrote the letter. Our lawyer, XXXX XXXX, also wrote a letter to XXXX XXXX at XXXX XXXX disputing the debt. XXXX XXXX agreed the amount was wrong and XXXX XXXX stated she would send a corrected letter to XXXX XXXX. Neither our lawyer, myself, nor my fiance ever heard from XXXX XXXX after XXXX 2015. The next thing we heard was that a collection agency was trying to collect a debt in XXXX 2015. XXXX never even corrected the amount owed. I finally told the collection agency that we had a lawyer, but the collection agency reported this debt to the credit agencies anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Citi Bank on multiple occasions, most recently a notarized request, regarding their reporting of a settled account. Each time I reach out to Citi Bank referencing the account number THEY ARE REPORTING to all three credit bureaus, Citi Bank replies that this account number is invalid or incorrect. *see Citi 's attached response I am assuming this is Citi Bank 's way of getting around an actual reply... to say they don't know what I'm talking about even though I'm referencing THEIR reported account number.
Product: Money transfer, virtual currency, or money service

I was stopped by someone selling water at a busy intersection in XXXX GA, I told them I didnt have cash and so they suggested XXXX XXXX I opened my banking app to send money when my phone was snatched out of my hand and more people came to surround my car. I demanded my phone back without success. After XXXX to XXXX minutes they got close to my car window again with my phone so I was able to grab it back and take off in my car. I looked down at my account and saw they drained my account for {$3000.00}. I immediately called my bank Wells Fargo, and attempted to dispute but was told the money wasnt already gone. I filed a claim with the fraud department and after several days was told my claim was being denied. They claimed this was an authorized transaction that I was a willing participant in. I have filed a police report with XXXX XXXX and found news articles of other people after my report who were robbed in the same way at the same intersection days later. All of this I submitted to the claim/investigation with my bank and was told they have not seen evidence of fraud. I would like my money back but it seems they are uninterested in protecting a loyal customer from scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

American EXPRESS has been reporting in my three credit bureaus posted XX/XX/XXXX since around XXXX of XXXX I have been in communication with American Express direct, collection companies and plus the three credit bureaus. Neither one is providing proof as requested showing my signature, on top of that American Express has broken the law failing to to place a dispute in my account within 30 days, and also failed to send me documents as I have requested. 

I had to turn to cfpb for help to report the unlawful action. 

I have more of documentation I carefully collected if needed can provide, certified and signed.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. I looked up my XXXX credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I was locked out of paying my loan through one main. When I try to make payment my response is my account is closed. Dont know why. Some Im stuck with the debt. I dont receive any information from them at all not even a bill. Also they dont accept my monthly payment through my debit card. They make it impossible to pay them also I signed up for the insurance they have when you cant make a payment for that particular month but I get nothing from them about that. Its like Im just flying blind with them
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 CFPB lawsuit, which highlights significant systemic issues with the platform. As a frequent user of Zelle, I have reported discrepancies on multiple occasions, yet both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. This response is deeply troubling, especially considering the CFPBs findings that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users increasingly vulnerable to scams. The lack of accountability and transparency demonstrated by Zelle is unacceptable. It raises serious concerns about the safety and reliability of the platform, as well as its commitment to safeguarding consumers against fraud. I urge Zelle to take immediate action to improve its dispute resolution processes, enhance its fraud detection systems, and ensure greater accountability in protecting its users. Thank you for addressing this matter promptly. I look forward to your response.