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

Im always felt something off about how Zelle has handles disputes, especially after the recent CFPB lawsuit revealed major issues with the platform. This further highlights the issue, Ive used Zelle many times and reported problems, but every time neither my bank nor Zelle properly investigated my claims. In one transaction, I lost an estimated {$2300.00}, sent XX/XX/year> yet they told me they couldnt recover my money or track the transaction it was just set and done and not turn back even if it was a scam. The CFPBs findings show that Zelle has failed to protect users and has allowed scammers to take advantage of the system. This lack of responsibility and transparency is unacceptable and puts consumers at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that 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 late for any purpose
Product: Credit card or prepaid card

Official complaint was sent to Bank of America about an international credit card transaction in the amount of XXXX from XXXX XXXX XXXX  XXXX. I asked BOA to reverse the charge because the merchandise was returned back to the store after I had the product appraised by an independent third-party appraiser and learned the merchandise was not represented as described. It was 2 bracelets that were sold as diamonds but appraisal showed they were not diamonds. Upon returning to the store, the merchant accepted the merchandise but stated they could not give credit back due to a 'no return/exchange policy '. This was not disclosed at the time of sale. I advised merchant that I would dispute the transaction so they refuse to give back the merchandise and refuse to reverse the transaction. 
I entered into a dispute with Bank of America. Per Visa Conditions XXXX-the merchant cancelled the transaction when they accepted the product and refused to give it back. Per Visa Condition XXXX -the merchandise was not sold as described. Per Condition XXXX & XXXX the merchandise was identified as counterfeit by a neutral third party expert and therefore misrepresented. Visa conditions clearly states the merchant 's must keep in mind their return policy has no bearing on disputes under these conditions. Bank of America sent the dispute to the acquirer and ask the merchant for a receipt. Merchant provided the wrong receipt. BOA then ask me for the receipt. I provided correct receipt. 
BOA refused to honor the claim after obtaining my receipt stating they are honoring the merchant 's no return policy. I escalated as a complaint. BOA still refused to honor a full return -instead said they would only provide partial credit of XXXX which would be reported as a write-off. BOA sent a notice to indicate the XXXX would be a write off and must be claimed as income. With full awareness of all VISA conditions, BOA refuse to give full credit. BOA representative stated they understood the entire situation but stated, although unfortunate, I would have to accept partial responsibility. I am requesting full credit as a dispute and not a write off as the merchant canceled the transaction when they refuse to give back the merchandise.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of all three major credit bureaus ( Equifax, XXXX, and XXXX ) to properly address issues related to my credit report, despite my efforts to resolve them. 

Failure to Remove Identity Theft Items : I submitted an Identity Theft Report and provided it to each of the three credit bureaus to have fraudulent accounts removed from my credit report. Unfortunately, none of the bureaus have removed the fraudulent items, and they continue to appear, negatively impacting my credit. I have attached a copy of the Identity Theft Report for your reference and request that these items be removed as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts : Additionally, I have noticed several accounts on my credit report marked as " charged off. '' However, I did not receive a XXXX form for these charged-off accounts, which is required under IRS regulations when a debt is forgiven or canceled. I request that the credit bureaus verify the accuracy of these accounts and ensure that they are reported correctly, including the proper handling of the XXXX. 
Both of these issues are causing significant harm to my credit, and I have made multiple attempts to address them directly with Equifax, XXXX, and XXXX, but have not received a satisfactory resolution. I am requesting that the CFPB intervene and assist with ensuring that these matters are handled in accordance with federal regulations. 

I appreciate your prompt attention to this matter and request that the credit bureaus be instructed to take the appropriate actions. Should you require any further documentation or information from my side, please do not hesitate to reach out. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX  CT XXXX XXXX XXXX SC XXXX
Product: Credit card or prepaid card

Bank of America credit card XXXX XXXX XXXX XXXX fraudulently charged me " late '' fee of {$2.00} even though I paid them {$230.00} as required under their statement. See attched statement.
Product: Money transfer, virtual currency, or money service

Coinbase deactivated an account just as bitcoin prices jumped. Seems like more than a coincidence. I could not buy or sell and 4 days later still ca n't buy or sell. Terrible customer support. No way to contact them directly.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

calls me most everyday and has called XXXX a day and has called me a XXXX. When I asked them not to call they told me that if I did that my full mortgage amount would be due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX  XXXX XXXX fraudulent account with Expieren by certified mail. ( Fraud is being reported on my credit file, I opened complaint with your office in XX/XX/XXXXXXXX  and now in XXXX Expieren is preventing me from uploading proof of their inaccurate reporting. I tried to screenshot what is being reported under my name and the file immediately shuts down also when I print file to my device and try to upload to your office the document shrinks so small it can't be read. Now they are reporting XXXX past due which is also not accurate, where is the proof ( Document bearing my signature this account is valid ) They are also reporting I made a payment which I did not, apparently so they can continue to re-age it. Expeiren also does not have all required information and is reporting damaging information under my social security number. 

I am uploading the file so you can see what they have done since XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an auto loan with Ally in XXXX and closed in XXXX. It has been paid since XX/XX/XXXX and still on my XXXX credit report. I have disputed several times due to too old to be on file and they wont remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 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, credit repair services, or other personal consumer reports

To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially Transunion. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because Transunion, I get a message that says Transunion has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX FTC Report Number XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against RADIUS GLOBAL SOLUTIONS, LLC for committing identity theft. I have never given RADIUS GLOBAL SOLUTIONS, LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from RADIUS GLOBAL SOLUTIONS, LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If RADIUS GLOBAL SOLUTIONS, LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RADIUS GLOBAL SOLUTIONS, LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RADIUS GLOBAL SOLUTIONS, LLC continues its collection efforts, I will file for litigation for actual damages caused and RADIUS GLOBAL SOLUTIONS, LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / INACCURATE LATE PAYMENT APPEARED ON MY TRANSUNION CREDIT REPORT.
Product: Debt collection

I've told this company in the past to stop calling, they were calling for the previous owner of the number. I've owned this number for four years now. That person used to get alot of calls. I'm starting to get them again for the past 2 days and have blocked two different last four digit phone numbers. Both are robocalls. 

I don't have the previous information any longer, however, the last two days : XX/XX/2018 at XXXX XXXX XX/XX/2018 at XXXX XXXX I know for a fact, since I check my credit, that I do not owe anything outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid down a lot of our debt and two of the reporting agencies actually decreased my credit score for paying off debt. 
This has affected my abilities to get better rates and loans. 
Why does paying off debt negatively affect my score. 
These companies want to keep us in debt and not pay off our debt
Product: Debt collection

Got letter from American Coradius International LLC that I owed {$1100.00} to creditor : XXXX. I will respond by certified mail that I will dispute. The XXXX community board was very specific that if not by registered mail these crooks will deny you responded. My complaint is that there is no phone number to contact XXXX anywhere on their website, The XXXX chatbot was useless. 
Their XXXX community board has MULTIPLE complaints that this company does represent XXXX but if somehow you can actually talk to someone at XXXX they do not know anything about this company or their representation of XXXX. The XXXX community board has responses from a XXXX representative, I assume employee, that states there is a phone number on the XXXX website to call to report fraud and such issues, but it is non-existent. I logged into my XXXX account and it shows no charges. The XXXX community board has responses that this SCAM or FRAUD or whatever stupidly and incompetence that it is has been going on for YEARS and XXXX and no other government agency has done anything about it. How is this allowed to continue for YEARS? Included in the American Coradius International LLC letter was Reference # XXXX. I was notified that some of my personal information was compromised earlier this year and I filed a notification with the credit agencies. How any company that is competent could engage a debt collector when such a notification exists without verifying the claim is beyond comprehension.
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. 

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

XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00} This account is being illegally and incorrectly reported on my consumer report. It is not mines. It is affecting my financial well being and spilling over to my personal side. I need this account removed from equifax, XXXX and XXXX
Product: Money transfer, virtual currency, or money service

PNC made a change that prevents XXXX service from connecting. This resulting in being unable to use XXXX  as a roundup service.
Product: Debt collection

In XXXX of 2015 my credit monitoring company notified me that my credit score dropped from XXXX to XXXX. I gained access to my report and found XXXX accounts reported by Alliance One Receivable. I contacted the company and asked what it was and they told me it was a debt to XXXX county. I asked what it was for and they could not tell me. I told them that I never received notification from them that I was in collections, or that they would be reporting to the credit bureaus. Further I was not notified of my right to dispute it. I asked the company if they could provide proof of mailing and they could not. To this day I still have not received any information from this company nor any attempts to collect the money however my credit reports remain tarnished by these accounts that I know nothing about.