23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute for a charge of {$540.00} in XX/XX/XXXX for merchandise that I never received. On XX/XX/19, Citi APPARENTLY sent a letter indicating that the merchant had responded. I say " apparently '' because they certainly didn't send ME the letter as I never saw the letter. In looking on Citi 's  website in an obscure and hidden area, I have now found the letter that they are claiming they sent me. 

In it, is enclosed the merchant response, which is essentially blank and does NOT include tracking information of any kind proving receipt of the merchandise. They reversed the conditional credit anyway. When I contacted them today, I spoke with XXXX ( a supposed supervisor in the Kentucky call center with employee ID of XXXX ) who indicated there was nothing further they could do and that the case was closed. 

I indicated my outrage as to how on earth they could accept a response from a merchant WITHOUT any proof of tracking number or merchandise delivery, when the very NATURE of the dispute was merchandise not received. It fell on deaf ears and now I'm stuck paying for merchandise that I never received. I'd like something done about this if at all possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Deposit Responsibility Individual Date opened XX/XX/XXXX NAVY FEDERAL CR UNION Account number XXXX XX/XX/XXXX NAVY FEDERAL CR UNION Account number XXXX XX/XX/XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX states charged off XXXX Balance XXXX The above creditors 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.
Product: Credit card or prepaid card

The company closed XXXX closed my card without notice even while paying my debt down. XX/XX/2018 XX/XX/2018
Product: Checking or savings account

On XX/XX/year> by XXXX account was hacked and XXXX was stolen from my checking account through XXXX XXXX which was lined to my debit card. I reported it to my bank, had my card cancelled, notice tranactions from a card with the last 4 digits as so did XXXX  that was not mine but still went through my checking through XX/XX/XXXX. how my bank didn't even notice this unusual pattern is beyond me as well. I had to go to XXXX to have them to install a stolen app om my phone so we could reset my apple id and password. Chase Bank would not refund my money because they said they had no proof.i tried to explain to them that there was a card on their as well and showed on my account that I have no Clie where it came from but they still let them go through. they seemed to not even care about trying to resolve this issue with me.
Product: Debt collection

XXXX XXXX XXXX in XXXX, TN is suing me for Advance Financial 24/7 as the original creditor. This law firm sued me well before the 30 days their letter said they would give me by law. They broke the law and the Fair Credit Reporting Act. 

In UNDER 30 days, I already had a summons to appear in court. 

I have contacted other agencies as well but these people are highly unethical in their dealings as a business and law firm.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for falling to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is highlighted in the CFPB 'S recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. i request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

( These are the accounts that inaccurate ) Child support account # XXXX XXXX  account # XXXX XXXX XXXX & XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  consumer account # XXXX
Product: Student loan

Ive been totally XXXX since XX/XX/XXXX, Ive been paying 12 years and i still have another XXXX or so years left. my husband is now not working, we are receiving social security. My husband is XXXX military and just came home for good from working in XXXX for 5 years. Ive tried asking for some kind of relief, but they will not help. Please someone help me to get this debt discharged. Borrowed {$20000.00} and to this date i still owe XXXX approximately time started repaying was after my daughter graduated from college in XX/XX/XXXX. American Education services is the loan person Thanks, XXXX XXXX
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

The company, Phoenix Financial Services, sent me correspondence regarding resolving a debt. I called them, they offered a settlement amount to resolve the entire debt owed, and I paid that amount to them. I have a picture of the transaction of the payment I made to them. This payment was made on XX/XX/2019. I recently checked my credit report, and the same debt they agreed would be resolved had not been cleared off my credit report, and worse the balance was still the original balance, so the money I paid Phoenix was not even taken off my balance at the very least.
Product: Credit card

my name is XXXX. I used chase XXXX credit card for around 3 years. last one month, XXXX, my credit card get expired. however, my old credit card still can be charged by authorized merchant. An expired credit card still can be charged money. this is very ridiculous. It happened to me and It happened to chase bank. what is purpose to set up expiration date? it is XXXX of credit card protection or not. 

Furthermore, I did call XXXX and mention this issue to chase credit card. Their service is very rude and unfriendly. In other words, it is your business, not chase credit card business. I think everyone need to know about this.
Product: Checking or savings account

I contacted Coinbase on XX/XX/year> to inquire as to when they would credit my merchant refund back to my Coinbase card, because the merchant had sent the refund to me through my Coinbase card on XX/XX/year>. I waited two weeks with hopes the {$200.00} refund would post, but it just sat in my transaction history as processing. 

Coinbase help number : XXXX In XX/XX/year> Coinbase acknowledged they were experiencing issues with refund delays but assured me they would post my refund and it would be in my account the next day, which should have been XX/XX/year>. However they did not follow through on their promise and the transaction still shows as processing. 

It is now Saturday XX/XX/year> and my Coinbase card refund has still not been credited as you told me it would. 

This is my money, not Coinbases to keep. The merchant sent me the money and Coinbase is taking their time giving it to me. This is crazy. 

I have been a longtime and loyal customer of Coinbase but this kind of treatment is something I can not and will not accept. 

Its downright shameful, and likely illegal, that Coinbase is holding my money hostage the way they are, failing to follow through on a promise that was made to refund MY money. 

Please help. Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with customer service and they would not help and take care of the negative inquiries on my credit report.
Product: Consumer Loan

I have been in contact with Ally Financial 's overseas customer service department, then their fraud department, then several supervisors, and never received several return phone calls as promised about the fact that they have erroneously reported that I paid XXXX payments thirty days late to the credit bureaus, when even by their latest missive that is INCORRECT. A single car payment was {$660.00} per month at that time. Many attempts to have this rectified have them ascertaining that they reported it correctly ; when from what they 're saying and what they sent to all of the credit bureaus {$1200.00}, is not reflective of what they, themselves is incorrect. I have been going on with this issue for two months and either they are n't doing the math, or they 're just refusing to correct their errors. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my company, XXXX XXXX XXXX was instructed to Wire {$17000.00} to our manufacturer, XXXX XXXX. Unknown to us, someone had broken into the servers of XXXX and had fraudulently emailed us a fake letterhead/representative of XXXX. The Wire went from XXXX XXXX XXXX to Chase Bank instead of XXXX, XXXX. This has been confimed by XXXX XXXX, XXXX of XXXX XXXX
Product: Debt collection

I reported fraud to my bank from multiple trips we had taken over the last 3 years and my debit/credit cards have been compromised. Ive tried numerous times to let them know Im dealing with fraud and the account is not mine I have no knowledge of it and have tried multiple times to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it 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
Product: Credit reporting or other personal consumer reports

I would like to dispute off this negative accounts on my credit report. 

Equifax : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$970.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX COAF Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I reviewed the consumer laws and I noticed that it was incorrect information and accounts on my credit report I tried to resolve them but I had no luck and I'm aware that my credit report should be reviewed and it should be 100 % accurate thank you
Product: Debt collection

The debt was submitted to Jefferson Capital System. I did not have an agreement with this collection agency. I sent a letter of verification to validate this debt on XX/XX/2022. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of XXXX distress and at the other diminishments of the quality of my life.
Product: Credit reporting or other personal consumer reports

" Equifax, XXXX, and XXXX are consistently enabling collection agencies to fraudulently place claims against me without any prior contractual agreement or commitment. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I received confirmation letters stating their investigations were accurate XXXX, XXXX and XXXX requesting removal of XXXX. XXXX and XXXX XXXX Bankruptcies. I sent with dispute letter information from XXXX XXXX XXXX Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. 
They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

Also, according to 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. 

They also violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports. These are grounds for removal or deletion of Bankruptcies.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against LENDING POINT for violations of my consumer rights. LENDING POINT did not allow me to opt-out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This action violates my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey state laws on consumer privacy and data protection. Despite notifying LENDING POINT that I did not consent to the sharing of my information, they claimed they had the right to do so according to their Privacy Policy. This contradicts the GLBA 's intent to protect consumer financial information and uphold the principle of consumer consent. I requested a complete accounting of my account, including signed documentation detailing who funded it and the true amount owed. LENDING POINT only provided a copy of the Promissory Note, failing to clarify the account 's funding and evidencing multiple violations of the Truth in Lending Act ( TILA ). Additionally, I informed LENDING POINT in my last two communications that all correspondence should be sent to a specific address. They have continued to send mail to an alternative address, which I consider an invasion of privacy. By sharing my financial information without consent, LENDING POINT is committing identity theft, as defined by federal law ( 15 USC 1681a ( q ) ( 3 ) ). Their actions aim to undermine my rights and collect on credit extensions through coercive means. In New Jersey, any contracts designed to commit fraud or exempt parties from their responsibilities are deemed void and unenforceable, aligning with the state 's strong consumer protection laws.
Product: Checking or savings account

On several occasions I have closed online savings accounts with Capital One Bank and a defunct bank in Illinois by transferring my large balances to my brick and mortar account with one transaction - in each instance to enable me to transfer the same sum to a new higher interest banking account. 

However, I wasn't allowed to transfer these same amounts to the new bank with one transaction due to your inherent rules. However this same amount of money could be deposited in the new account by writing a check and them manually depositing same. 

You need to change this inconsistent rule and allow unlimited amount internet transfers from " brick and mortar '' accounts to internet savings accounts. Please act upon my request, for as it now stands this archaic rule costs the consumer, the internet bank and both state and federal governments money.
Product: Credit card

I made payments on a consumer payment plan or similar.

Somehow a payment was not applied. 

Now I had XXXX accounts with the bank. 

XXXX payment was {$51.00} the other maybe {$34.00}. 

The {$34.00} somehow was not applied and then the account was charged off. 

I made both payments. 
Now I only have XXXX account and it is inactive and they will not say if payment will restore the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Few hard inquiries in my EQUIFAX report, EQUIFAX refuses to remove even though the creditors confirmed to them and me that those inquiries are fraud!
Product: Debt collection

Ive sent multiple letters requesting information, supporting documentation and hippa signed for and I have not received anything.