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

The following companies are involved in securities fraud via improper use of my private property and information. I DO NOT HAVE A SIGNED CONTRACT OR AGREEMENT WITH ANY OF THEM. 

XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX All reporting needs to cease immediately. DELETE all reports from my consumer credit file promptly. {$1000.00} fine per occurrence per federal regulations. THIS IS AN OFFICIAL NOTICE OF VIOLATION OF FCRA, FDCPA, UCC, UCCC, USC, AND THE PRIVACY ACT.
Product: Credit reporting or other personal consumer reports

This account is In result to XXXX XXXX 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX.

( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ). 

Prohibition on inclusion of adverse information of XXXX XXXX. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency. 
( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and XXXX documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of XXXX  in persons or XXXX XXXX  under this section.
Product: Credit reporting or other personal consumer reports

XXXX XXXX allowed someone to open a fraudulent account in my name using my stolen identity
Product: Credit card

My credit balance went up and in a situation where nonprofits are only offering one off payments and expecting me to live below $ XXXX each month, telling me that I am not able to live within even a decent means, I have been forced to let bills snowball. Due to my inability to pay even the basic credit card payments, in XXXX and XXXX of this month, I have been dealing with a pattern of dead ends, offshore representatives and their refusal to help a single mother in the United States, and worse, inability to use my credit card. On various occasions, around the late days of XXXX of this year, and then XX/XX/XXXX, the last straw, I get so bogged down and busy with daily grind that by the time I get to this issue, a department is closed and I have to wait till tomorrow, when more bills snowball. Because the offshore people kept bouncing me around on these calls, claiming they wished they could help me but cant, I find myself in no position to pay actual living expenses. I have been forced into more debt due to my single motherhood, then XXXX XXXX  by the childs father. The bank did not assist and creditors will make my score go down if I dont pay. Due to XXXX, I am also fixed to earning below $ XXXX per month, but not being able to obtain a better credit card, I would have no way to build credit for better life, especially to buy a house for me and my son. It will take years of college and licensing tests to even get a job, and XXXX people face 80 % likelihood of remaining unemployed. Females with XXXX face stolen benefits as part of XXXX XXXX Many are financially extorted. I was. And Chases refusal to raise my credit limit does not help but further enables extortion and abuse by others, refusal of nonprofits to stop the one off payments, and furthermore, allows XXXX bills to go unpaid, my internet could shut off, an energy company is harassing me for a debt I dont owe. This is predatory and must be called out.
Product: Credit card or prepaid card

My husband income was cut by 40 % last XXXX and returned to normal XX/XX/XXXX. He is salaried and worked long hard hours to help his company maintain as a good manager would. He did not qualify for government help as some other can. We quickly depleted our hard earned 3 months worth of savings and are now facing having to dip into our retirement savings. I wrote a letter to Department Store National Bank ( the bank behind Macy 's credit cards ) along with Citibank to ask them to please lower the outrageous interest rates ( 25-28 % ) to help be able to make the monthly payments. They refused. SECOND ISSUE. This last month I needed to pay the bill from two seperate accounts. After I paid half of the min due, I went to pay the rest out of another bank account of mine but it refused to take the payment saying that only one payment can be made per day resulting in a XXXX late fee. THIRD ISSUE. For XX/XX/XXXXpayment I tried to do a forbearance for the month. I had to send an email per Macy 's credit card 's webpage. I did and got turned down. I was charged late fee for paying 1 day late while waiting on their response. 

Seems to me that if Department Store National Bank ( DSNB ) or Citibank would, at the least, lower the outrageous interest rate, consumers like myself would be about pay our dues!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus once more to remove the remaining account and information that resulted due to identity theft. I sent another dispute letter on XX/XX/XXXX, as my 2nd attempt to inform the Credit Reporting Agencies that I have been a victim of identity theft and I dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please block the reporting of any information in my credit file that resulted from the identity theft : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$250.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605, the Credit Reporting Agencies are expected to remove the disputed items from my Credit File within the time allowed by law.
Product: Credit card

I once had a credit card with Fifth Third bank, which was closed bank in XX/XX/XXXX. In XX/XX/XXXX a charge that was stored on an online account automatically tried charging the card for the renewed subscription. Instead of Fifth Third bank declining the transaction they reopened my closed credit card without my permission. Finally, after three months of not contacting me via phone, email, or mail, I received a letter in the mail saying I owed the charge of {$77.00} ( for the service ) and an extra {$100.00} for late fees. After countless hours on the phone with them, they acknowledged my credit card was closed and they reopened it. I offered to pay the initial {$77.00} fee if they would waive the late fee for not informing me, or without reopening it without my permission. They said they would look into the dispute into a better solution. After about another month they sent back a letter saying the dispute was denied and I owed the entire fee. When I called back to ask how it could have been denied, since they reopened a closed account, they said the 120 day period has passed and there is nothing they could do about it. I have since discarded the credit card because I had no use for it after I had closed the account in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 accounts 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 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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX EXPERIAN BUSINESS CRED 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: Money transfer, virtual currency, or money service

This complaint is against XXXX XXXX XXXX XXXX XXXX. This company sells a money transfer instrument called XXXX XXXX, which can be used to add money in retail stores, and later to transfer money to general-purpose prepaid cards.

On XX/XX/XXXX, I used a XXXX XXXX ( see Exhibit A & B ) with stored value of {$500.00}, and requested it to be transferred to my XXXX  prepaid card. The company told me the transfer is successful ( see Exhibit C ). However, the {$500.00} has not been added to my XXXX prepaid card ( see Exhibit D ).

Starting XX/XX/XXXX, I have called/emailed the company for several weeks, trying to resolve this issue. They gave a few different incident ids ( the last one being XXXX  ). Each time they insist that transfer is successful, and some random numbers they call it confirmation. However, the XXXX prepaid card denies ever receiving the {$500.00} deposit on or after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( XXXX ) I demand be excluded from my consumer report : XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,
Product: Debt collection

I am writing to express my deep concern and frustration with the way my identity theft dispute has been handled by your bureau. Despite providing clear evidence of fraudulent activity on my credit report, I have repeatedly been denied resolution. I have provided all the required documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that the accounts in question are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. This is unacceptable. I demand that you remove the following fraudulent items immediately from 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  Please understand that I take this matter very seriously, and I am prepared to take all necessary steps to protect my rights and interests. I expect you to do the same.
Product: Debt collection

Working with law firm. Lawyer negotiating back in XXXX a pay to delete agreement. Pay to delete settlement was agreed upon and paid by due date ( XX/XX/year> ). Should have been deleted XXXX of XXXX and was told as such. Did not delete and company argued that there was no delete agreement. Upon mentioning the law firm, they sent over the paid to delete letter. Was told it would be completely removed on XX/XX/XXXX. Today called extremely dismissive, rude and would hang up the phone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to the inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights critical shortcomings in the platform. Despite my frequent use of Zelle and reporting multiple discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. 

The CFPBs findings reveal that Zelle has failed to protect consumers effectively and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about the platforms commitment to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days letter I have not gotten a response. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress this has caused me. My information WAS also impacted by the Equifax DATA BREACH and may have got in the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

XX/XX/2023. This morning a guy named XXXX called me a few minutes after XXXX and then turned around and called house phone. I called him back and tried to explain, yes I'm having trouble paying the bill and he said that he was going to call me everyday or every other day to check about my payment. I feel harassed and stressed because how am I supposed to be able to make the payment if all the time he's calling me.
Product: Mortgage

This mortgage servicer XXXX mortgage has AGAIN threatened me with foreclosure. This is my XXXX complaint to your bureau. They have again re-added my late husband 's name to the correspondence ( he died 9 years ago ) causing me additional stress. After numerous correspondence, faxes, telephone calls and complaints there seems to be no way of getting them to stop harassing me short of my suing them for damages for my time, effort and costs of responding over and over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX has been dealing with Loan2Learn for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Product: Debt collection

On XX/XX/year>, I submitted a dispute with the three major credit agencies, clearly stating that I have never had any contract with LVNV FUNDING For any debt. I am requesting that you provide proof from the original creditor confirming that LVNV FUNDING owns this debt and has the legal authority to collect it. If you can not provide this proof, the account must be deleted. To date, I have not received any verification of the debt. There is no proof this card was mine i signed for it any of my accounts made a payment to this card company, or i purchased anything with this card the only credit card i have owned is my XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A Charge off is a certificate of Indebtedness, which is income and must be removed. This is being disputed for the Account " XXXX XXXX ''. THE consumer report is being furnished from the account listed with several violations per Experian and inaccuracies. As provided the account has been charged off, written off, which indicates that the reported account is income. An account can not be charged off and be " past due ''. Experian has updated the account past due as of ( XX/XX/XXXX ). This is a reporting error by Experian and per the FCRA this account must be removed. This is a " Closed Account ''. Eye will also like to highlight the Company ; " XXXX XXXX '' was provided with an " OPT OUT '' by myself, by letter and phone, giving XXXX XXXXXXXX no consent to sharing my non-public personal information. Therefore " XXXX XXXX '' has no consent or permission to furnish my consumer report. Experian is in violation within 15 U.S code 1681a ( 2 ) ( i ), which advises a consumer report " does not '' include a report containing information solely as to transactions or experiences between the consumer and the person making the report. There shall only be Communication of that information among persons related by common ownership or affiliated by corporate control. Experian is not an affiliate with or of " XXXX XXXX ''. Experian does not have common ownership with " XXXX XXXX ''. Any transactions or experiences of my information are illegally being shared by Experian. I will like to highlight this is also a violation of my privacy rights under the Privacy Act of XXXX. Eye demand this account be removed. 

The " OPT OUT '' letter will be provided within the report for review and is provided within the original CFPB report to XXXX XXXXXXXX on, XX/XX/XXXX. CFPB # XXXX.
Product: Checking or savings account

I called USAA to report an issue with a company called XXXX XXXX XXXX, which overcharged us. The monthly fee was supposed to be {$37.00}, but we were charged a total of {$120.00} in two {$60.00} increments. I informed USAA about the situation and provided them with the chat my wife had with the company, detailing the amount that was supposed to be charged versus what we were billed. I also uploaded the information to our banking account. 

Initially, we received a credit back, but for an unknown reason, it was later reversed, causing our account to become overdrawn and incur fees. We called USAA again, and they assured us they would fix it. However, our account is still overdrawn by {$100.00}, and we are still waiting for a resolution.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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