23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XX/XX/XXXX, I requested Equifax to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Equifax a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
Product: Credit card

This is an ongoing issue, my credit card was charged for services from XXXX which I did not authorize. First is was on XX/XX/2023 for {$18.00}, I called and the charges was reversed. Another card was issue to replace the card... XXXX. When I have not received my new card another charges from XXXX for {$13.00} on XX/XX/2023. I set up a fraud alert and any charges will required my approval, therefore I Declined the charges ( proof attached ). But as of today Capital One still insisted on that I purchased and benefit from the service. I asked for the proof of their investigation, their reply " sorry we can not provide that '' the phone coversation was recorded by Capital One ( they announced when answering my call )
Product: Debt collection

Last month, I received a notice from Mediation Recovery Center claiming that I owe {XXXX for a medical device related to a XXXX I had XXXX years ago XXXX XXXX XXXX XXXX. The notice claims that the original creditor is XXXX XXXX XXXX  and that the Current Creditor is XXXX XXXX XXXX. The account # provided by XXXX was XXXX. The original Account # is XXXX. The notice also states that if I were to pay immediately, they will discount my bill to XXXX 

This letter was the first time I've ever heard of this balance due. 

A few days later, I received a phone call from a representative of XXXX, again claiming that I owe this balance and requesting that I pay immediately. I asked him why it took XXXX years for this bill to make it's way to me. He could not give me a clear answer, other than to say that his company purchased the receivables from XXXX XXXX XXXX. I asked him for a contact person at XXXX XXXX XXXX that I could speak with. He responded that this company went out of business. He went on to threaten that if i did not pay this bill immediately, that they would report this to the credit bureaus. 

The unprofessional manner in which he behaved and the length of time since my original XXXX leads me to believe that this is a scam. 

In speaking with a CFPB XXXX, he informed me that I should be protected under the CFPB No Surprises Act passed in XXXX. He also suggested that I file this complaint.
Product: Credit card or prepaid card

Yes someone sends they self money when my phone was stolen cash app never gave me my money back
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I'm sending you this dispute pertaining to my credit report that ALL THREE CREDIT BUREAU ( EXPERIAN, XXXX, and XXXX ) is reporting and have obtained false information about me ( XXXX XXXX ) on my credit report about a Bankruptcy and that i have received full conformation from the United States Bankruptcy court that they do not supply or report any information to any credit agencies and i have a memorandum from the clerk of courts office confirming it.
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 highlighting significant issues with the platform. 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 unfeasable. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out TRANSUNION, XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account with Comenity Bank for Woman Within, XXXX, and XXXX XXXX accounts, have 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for this purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint on XXXX equifax and XXXX theyre reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from
Product: Debt collection

Your inaction on this matter has caused severe damage to my financial standing and has left me deeply dissatisfied with your services. I have previously sent multiple disputes regarding the fraudulent account listed on my credit report, but it appears that your organization has chosen to disregard the clear evidence I have provided, ignoring the gravity of the situation. This fraudulent account is having a detrimental impact on my creditworthiness, and your lack of action is nothing short of appalling. 
The fraudulent account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have taken all necessary steps to report this account as a result of identity theft, obtaining an identity theft report. I have provided you with this information on numerous occasions, yet you have failed to acknowledge it. This should raise serious concerns about the accuracy of this entry on my credit report. This fraudulent account has exceeded the statute of limitations for reporting debts, and its continued presence on my credit report is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to XXXX  XXXX ( XXXX ) and I'm not delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent plenty of disputes to Experian about the account of XXXX XXXX XXXX XXXX XXXX XXXX I was sick of pre XXXX when this account was open, I didnt open this account XXXX  XXXX never sent me a contract with my signature of the agreement or contract they just say that was open online I didnt open this XXXX XXXX account When I was sick many people have access to my personal information This account of XXXX XXXXXXXX must be remove immediately from my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One did not respond to my request to provide competent evidence that bears my signature that I authorized them to review my credit repost nor did they provide proof they contacted me on the number listed on the extended Fraud Alert on my credit report.

Capital One claims an auto dealership gave them permission. There were three other financial institution that also checked my credit report at the same time. They have completed their investigation and concluded it was a " fraudulent inquiry. '' The other financial institutions and car dealership have taken steps to remove the inquiry from my report.
Product: Checking or savings account

I received correspondence from Alliant Credit Union on XX/XX/22 in the form of 2 letters - one letter contained the account number of the savings account that had been opened using my personal information and the second letter contained the PIN number to access the account.
Product: Checking or savings account

I deposited a check for a very large sum of money at the Valley National Bank in XXXX, New Jersy and asked when the chech will clear! I was repeatedly told the bank does not know! So I want to the Valley National Bank in XXXX, New Jersy and asked the same question. Again over and over the bank said it did not know! Not acceptable! Of course, the bank, any bank, should know when a check will clear! This is banking 101! I was thus caused considerable inconvenience and uncertainty! Outrageous!
Product: Bank account or service

I believe the XXXX out of Address Line XXXX : XXXX XXXX XXXX XXXX. 
Address Line XXXX : XXXX XXXX City : XXXX XXXX Zip Code : XXXX Is not compliant with XXXX Consumer protection. 

Under the name of 'NETSPEND ' Netspend Corporation XXXX XXXX XXXX , XXXX XXXX I have been receiving real credit cards under my name without ANY contact by me. They are sending real cards that can be easily intercepted and used without consumers evening knowing they had a credit card in their mailbox. 

SImply put, NETSPEND/XXXX is sending out credit cards out to consumers without ANY contact. The implications are very serious as a consumer would not ever know a credit card is on the way without prior knowledge.
Product: Payday loan, title loan, or personal loan

I am just struggling to pay my bills since this COVID virus out break and i am on XXXX and living alone myself just to made my ends meet. the Loan place keeps calling me every day i had a naught of it so i had my number change but they are a called my aunt number and harassing her. The loan names is Credit Central Loan gency in XXXX, Alabama i just own {$400.00} dollars my payment {$64.00} a month if try to explain them im the only one living in this house and pay my high price Electric Bill and about 15 others bill to take care of myself. And now everything is in a mess. I've try to tell them if i have extra money left over from paying my bills i will pay them. But also i have alot of people told me about Credit Central they will Harassing you to death. And them lied about or some issues! im getting tired of this please send a letter or something to them to quite calling my aunt and family members and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX Credit Card ) I have three existing XXXX  XXXX Credit Cards but unfortunately, for just about 2 weeks now, my XXXX credit card has been giving me tons of headaches.. 

XXXX XXXX claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, XXXX XXXX has started to GIVE INACCURATE information to Equifax and XXXX. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and XXXX has rectified the initial report, but XXXX XXXX still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why XXXX XXXX is reporting my running balance even if they have already reported my statement balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with US BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and US BANK with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

Formal Complaint Regarding Lack of Clear Disclosures and Transaction Issues Dear CFPB Customer Service, I am writing to formally express my dissatisfaction with the lack of clear disclosures and transparency in the Zelle service. As a consumer, I rely on financial services to provide accurate and comprehensive information regarding transactions, security measures, and liability policies. Unfortunately, my experience with Zelle has raised serious concerns.

Zelle has been integrated into multiple major banks that I have used, including XXXX XXXX XXXX XXXX XXXX, and XXXX. However, until recent years ( XXXX ), there was no way to verify exactly who the money was being sent to before completing a transaction. Prior to these updates, users were not given a clear confirmation of the recipients details, which significantly increased the risk of sending money to the wrong person. This lack of transparency resulted in transactions being completed without proper reassurance, ultimately leaving customers vulnerable to financial loss.

Additionally, at no point was it made explicitly clear that Zelle would not take responsibility if funds were lost or stolen due to fraud or misdirected transfers. Had this information been properly disclosed, I would have reconsidered using the service or taken additional precautions. It is unacceptable that a financial platform facilitating digital transactions did not offer stronger safeguards to protect its users until very recently.

I request that Zelle take immediate steps to further enhance transparency in its service disclosures and implement stronger consumer protection measures to prevent similar incidents in the future. Additionally, I seek clarification on any potential resolution or assistance Zelle can provide regarding my specific transaction concern.

I appreciate your prompt attention to this matter and expect a written response addressing my complaint. If no satisfactory resolution is provided, I will have no choice but to escalate this matter to the appropriate consumer protection agencies.

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

In XX/XX/XXXX I was contacted by a debt collection agency about a XXXX  card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.
Product: Vehicle loan or lease

I contacted Westlake Financial around XXXX, to voluntarily repossessed my car. They agreed and contracted with a company to picked up the car. I was sent a letter within XXXX business days, informing me that car will be sold at XXXXuction on XXXXXXXX. I was told that after the auction is complete I was going to be informed if I am owed any money or entitled to any refund per law. Its almost XXXX weeks and nothing, yet they are still expecting me to pay {$1000.00} XXXX  month and still continues to harass me regarding miss payments even though I have expressed to them that I can not afford that type of payment anymore. I did reach out to customer service a XXXX ago, a representative expressed to me, saying stuff like ( " these things take time to resolve '' ). I did ask the representative to send me any documentation regarding the sale of the auction in writing and as of XXXX XXXXXXXX, I haven't received nothing from them. 

I really want to get this resolved as soon as possible, Westlake Financial can be reached at XXXX ) XXXX. Your help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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