23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX  Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I hope this email finds you well. I am writing to follow up on an unresolved dispute with Citibank, associated with complaint ID : XXXX. Despite my repeated attempts, Citibank has failed to adequately address the issue, incorrectly asserting that the window for dispute has closed. I would like to bring to your attention the circumstances surrounding this dispute and the subsequent detrimental effects on my credit score. 

The dispute in question is related to a transaction made through XXXX, a company of XXXX XXXX XXXX. It has been acknowledged by the merchant that they did not forward my paid taxes to the state of Illinois, which subsequently necessitated my repayment. In writing, the merchant has requested that I initiate a dispute with my issuing bank, as they are unable to issue a direct refund since the funds have already left their coffers. 

However, my issuing bank has not only refused to honor my rights as stipulated by Regulation Z ( Billing Error Resolution ), but it has also charged me interest on the disputed amount. Furthermore, the bank has added a line item to my credit report indicating that I initiated and lost a dispute. These actions have had a severe and negative impact on my credit score and financial well-being. 

Therefore, I respectfully request the following actions be taken : 1. Reexamine Dispute XXXXXXXX : I urge the issuing bank to thoroughly reassess the details of the dispute. It is unrealistic and unfair for the bank to expect customers to possess knowledge beyond what the merchant displays as its name on its website. Therefore, the bank 's claim that I submitted the dispute with the wrong merchant is false and misleading.

2. Remove Accrued Interest : I kindly request the immediate removal of any accrued interest related to the disputed amount. Charging interest on an unresolved dispute only exacerbates the financial burden imposed upon me.

3. Remove Credit Reporting Line Item : I request that the line item added to my credit report, indicating that I initiated and lost a dispute, be promptly removed. This erroneous entry has significantly and unjustly impacted my credit score, hindering my financial opportunities. 

I emphasize the urgency of this matter and the detrimental consequences it has imposed upon me. I implore you to address these concerns promptly, rectify the credit reporting inaccuracies, and provide a fair resolution in accordance with the applicable regulations. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues in a timely and satisfactory manner. 

Thank you for your understanding and cooperation. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Product: Credit reporting or other personal consumer reports

Please note that this is my THIRD WRITTEN REQUEST. I have contacted the CREDITORS BELOW and they have no proof that I initiated such inquiries, no written authorization, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS IS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRY you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 
The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? You have not provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRAyou are required to " immediately DELETE all information that can not be verified. '' Please note that a physical letter was also sent regarding this matter, and I have not yet received a response.

The following inquiries are not authorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Account Numbers XXXX XXXX On XX/XX/XXXX Wells Fargo Closed both of my Secured Business Credit Cards. Which I have a collective deposit of {$50000.00} held by Wells Fargo. I also don't know why they closed both accounts and they will not tell me why they closed both accounts apparently my checking account is going to close n the XXXX of XXXX. 

I was never late and I never went over my limit infact I spent over {$100000.00} some months and never carried a balance. So the account was not closed due to performance. 

I have received several pieces of mail from Wells Fargo. In the form of letters telling me my account is closed. I got a statement saying my account is closed and a response to a letter that I wrote. 

However, I have not received a check for my {$50000.00} nor any guidance on when that is going to happen. There was no balance on the account when they closed them in fact I overpaid and should be getting {$50000.00} back to be factual. 

I have called and no one can tell me when I am getting my {$50000.00} back. 

So I am in limbo I want my {$50000.00} back because we are going on two weeks and I feel once again when I check my mail today there will be no check for {$50000.00}. They don't seem to be in urgency in getting my money back to me. 

At the moment I don't care why they closed my accounts. I do care about getting my {$50000.00} back as soon as possible. So anything that the CFPB can do to hurry this process along I will be very grateful. 

{$50000.00} is a lot of money to have just floating about with no indication of when I am getting my money. 


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

A fraud credit card application under my name was submitted to XXXX XXXX on XX/XX/year>. My credit score was hurt due to the false 'hard inquiry. ' I called XXXX XXXX and all of the XXXX major credit bureaus. I could not get through to XXXX. I put an extra security layer and fraud alert with TransUnion and XXXX. I would like the XXXX inquiry ' reversed since this was a fraud application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get my free annual credit report from Experian ever since the XXXX break-in, but Experian does not respond online or even by telephone. They suggest going online, but get no results online. Nor do they respond to trying to freeze my account. Online, all I get when trying to get free annual credit report or trying to freeze my account is " loading '' -- nothing more. Nothing else happens. This has been going on for more than a week now. Tried repeatedly to contact them but totally unsuccessful.
Product: Mortgage

XXXX/XXXX/XXXX : CONDITIONAL APPROVAL LETTER BY CHASE FOR XXXX AT 4.5 % INTEREST ( CURRENT MORTGAGE BALANCE AT THIS TIME WAS XXXX ) WHICH EXPIRED ON XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX : HOME APPRAISAL. PREVIOUS APPRAISALS DONE IN XXXX WAS FOR XXXX AND IN XXXX FOR XXXX DUE TO DIVORCE. A XXXX COMPLAINT WAS SUBMITTED FOR XXXX APPRAISALS FOR NON PROFESSIONAL CONDUCT PER RECOMMENDATION FROM CHASE AFTER COMPLAINTS WERE MADE TO XXXX XXXX AND XXXX XXXX. 
XXXX/XXXX/XXXX : NOTIFIED THAT MY HOME APPRAISAL WAS LESS THAN EXPECTED ( XXXX RATHER THAN XXXX AS EXPECTED PER XXXX HOME VALUE ESTIMATE ) AND THEREFORE THE AMOUNT OF LOAN WOULD NEED TO BE REDUCED TO XXXX TO PREVENT PMI INSURANCE WHICH WAS GIVEN THE SEAL OF APPROVAL BY ME. 
XXXX/XXXX/XXXX : CONDITIONAL APPROVAL EXPIRED FOR MORTGAGE REFINANCE WHICH ACCORDING TO MY ATTORNEY MADE THE ENTIRE PROCESS NULL AND VOID. XXXX XXXX SITED THE DELAY OF PROCESS WAS DUE TO UNDERWRITING NEED OF APPROVAL. 
XXXX/XXXX/XXXX : FIRST COUNTER OFFER BY CHASE-NOTIFIED PER XXXX XXXX THAT CHASE UNDERWRITING IS DEMANDING FULL PAYMENT OF MY XXXX XXXX ACCOUNT BEFORE CLOSING CAN HAPPEN. THIS WAS A LOAN CONTINGENT OFFER WHICH I ACCEPTED AFTER THINKING ABOUT IT FOR 24 HRS SINCE i WAS BECOMING SUSPICIOUS OF THE PROCESS. XXXX XXXX ASSURED ME WE WOULD CLOSE IN APPROX 10 DAYS TO MAINTAIN THE 60 DAY LOCK FOR INTEREST RATE, DISCOUNT POINTS OR FEES WHICH GOT EXTENDED TO XXXX XXXX DUE TO HOLIDAY TIME. 
XXXX/XXXX/XXXX : 60 DAY APR LOCK EXPIRED WITH NO NOTIFICATION BY CHASE FOR CLOSING DATE. 
XXXX/XXXX/XXXX : EMAIL SENT TO XXXX XXXX AND XXXX XXXX REGARDING BEING IN " REFINANCE LIMBO '' WITH NO WORD OR NOTIFICATION BY CHASE PER PHONE, EMAIL OR MAIL FOR CLOSING XXXX/XXXX/XXXX : NOTIFIED PER XXXX XXXX AFTER EMAIL THAT CHASE UNDERWRITING CHANGED THE TERMS PREVIOUSLY AGREED UPON REQUIRING ALL CREDIT DEBT TO BE PAID CONTINGENT ON CLOSING. DECLINED XXXX COUNTER OFFER. WAS ASSURED BY XXXX THAT MY REFUND WOULD BE ISSUED WITHIN 2-4 WKS. 
XXXX/XXXX/XXXX : DATE OF SECOND COUNTER OFFER NOTICE MAILED TO ME BY XXXX XXXX WHICH WAS REJECTED BY ME ON XXXX/XXXX/XXXX TO XXXX XXXX XXXX/XXXX/XXXX : DATE OF THIS EMAIL BEING SENT TO XXXX XXXX AND NOTIFIED OF COMPLAINT PROCESS TO XXXX. 

CHASE UNDERWRITING WAS DEMANDING ME TO PAY ALL CREDIT CARDS INSTEAD OF THE ONE PREVIOUSLY AGREED UPON WITH MY RETIREMENT IRA ( APPROX XXXX CASH VALUE ) BEFORE BORROWING ANOTHER XXXX TO MY XXXX CURRENT MORTGAGE AMOUNT ( WITH 9 YRS LEFT ON MY CURRENT MORTGAGE WITH CHASE ) WHICH BY THE WAY WAS THE COST OF HOME IMPROVEMENT DONE TO MY HOME ONE YEAR AGO ( NEW ROOFING AND WINDOW REPLACEMENT TO MAINTAIN MY HOME ). THE PAYMENT DEMAND OF ALL CREDIT CARD DEBT PRIOR TO LOAN APPROVAL FOR AN INCREASE OF XXXX REFINANCE LOAN WAS UNREASONABLE WHEN YOU HAVE A GOOD CREDIT SCORES, XXXX OF CASH ASSETS, NO LATE PAYMENT HISTORY, NO OUTSTANDING FINANCIAL JUDGMENTS LIKE BANKRUPTCY OR DEFAULTS AND AVAILABLE HOME EQUITY OF XXXX. MY INTEREST RATE ON MY CREDIT CARDS WERE LESS THAN A 4.5 APR ON A FIXED 15 YR MORTGAGE BY CHASE SO WHY BORROW WITH HIGHER INTEREST RATE?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to DISPUTE all UNKNOWN INQUIRIES to no avail no help.
Product: Credit reporting or other personal consumer reports

I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/2023. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( XXXX, XXXX, and Transunion ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.
Product: Money transfer, virtual currency, or money service

Im expressing my concerns regarding Zelles ways of handling of disputes. In light of the recent events of CFPB lawsuit highlighting many issues with the platform.Theyve failed on many things and tracking transactions was unfesable. Theyve allowed the systems to be exploited and many times and leaving users vulnerable to scams and our information out there.
Product: Vehicle loan or lease

I Reached out to Strategic Automotive XX/XX/XXXX, XXXX, XXXX and XXXX. Left voicemails about account still being open and reporting as though i still have the car in which it was repossessed XXXX. XXXX XXXX. I was informed by the recovering company that someone from the company told them i dropped the car in XXXX and went back to XXXX, in which that was a LIE. I emailed my rep and let her know ive been living in XXXX since XX/XX/XXXX. She didnt reply. My account has a past due balance of 3k plus and two hundred plus and counting days past due because of the lack of action taken on the account.I still get text messages to make a payment every two weeks because MY ACCOUNT IS STILL OPEN. It is now XX/XX/XXXX. They are not returning my calls concerning the situation. The car was sold and still no update. Also none of my payments were reported correctly to the credit bureaus. I have taken screenshots every week due to the balance going up and made sure to print off the webpage with the false reporting payments and past due balance with days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to XXXX  on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. Experian 's online portal for uploading supporting documents won't work and XXXX   's online dispute function is completely broken. I need this record removed by all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER 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 items 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 items : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Citi card to report three unauthorized transactions that occurred on XX/XX/XXXX, and to close the account. The customer service representative transferred me to the fraud unit at which time I was disconnected. 

Two of the three unauthorized transactions that I reported ( i.e., XXXX Flowers and XXXX XXXX & XXXX XXXX have been removed from my pending transactions. One unauthorized transaction ( i.e., XXXX XXXX for {$23.00} XXXX remains on my account. 

Since then, I have received a new credit card from Citi Bank and the XXXX XXXX unauthorized transaction has been transferred to my new credit card number. I have called Citi more than a dozen times and spent more than 180 minutes on hold and have been unable to resolve the unauthorized transactions or close my credit card account.
Product: Checking or savings account

I first tried to close my account via telephone with Capital One in mid XXXX. I asked that the funds by send to my XXXX XXXX XXXX XXXX XXXX account which had an ACH / transfer relationship pre-established with the Capital One account. After a couple of weeks I noticed that the funds had not gone into my XXXX account and that the Capital One account did not appear closed. So on XX/XX/XXXX, I called Capital One and asked what happened. They told me that there was " a problem '' with transferring the funds to my other bank. Which was odd because the funds in the Capital One Savings Account were originally transferred from the XXXX account quite easily. But they never bothered to contact me or anything, they just stopped the process. 

So on XX/XX/XXXX, I also requested, again, that they close my account and send me a cashier 's check. Online the account is closed, but as of XX/XX/XXXX I have not received a check. I call them on XX/XX/XXXX and the representative tells me that the cashier 's check for over {$10000.00} was sent by regular postal mail. No tracking, no nothing. She tells me that she will have to " open a case '' which could take 3 to 5 business days. And that only then they will cancel the original check. Then they " may '' have to mail me, via post, an affidavit ( which I assume I will have to mail back ). More and more time. At that time it will take 7 to 10 business days to cut me a new check. Which will then be mailed again via regular mail, no tracking, no signature required. No chance for FedEx to get it to me right away since now it's been weeks and weeks and weeks I've requested my money- which is over {$10000.00} and quite a lot to me. 

I absolutely do not believe they original check has been cut and sent. I have never had problems receiving my mail at my location. New credit cards, important checks. Anything. Capital One needs to resolve this and send me money in the fastest way possible.
Product: Credit reporting or other personal consumer reports

I received the notification from Experian Report on XXXX, saying XXXX XXXX XXXX XXXX has flagged my account as Collections. Since I am sure I did not owe anything so I checked the company named as " XXXXXXXX XXXX XXXX XXXX '' as soon as possible. Information showed here : Company : XXXXXXXX XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX ; Balance : {$310.00}. I called them quickly on XXXX, and they told me they can not find any record in their system including my name and my date of birth, so I do not need to worry about that and could submit a dispute report with Experian , which should be fine. 
Therefore, I called Experian to submit a dispute report on XXXX quickly and they opened a case for me to investigate the thing. However, on XXXX XXXX I received the result from Experian, saying the Collection would be remained, since " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. Then I looked for the details, and I saw this report showed XXXX names, XXXX is mine, " XXXX XXXX '', the other is " XXXX XXXX '' I can not recognize. I promise and make sure I never used other names and never know the " XXXX XXXX ''. Thus, I called the Experian firstly to ask for the reason of the dispute failure. However, the person was indifferent and said nothing they can do and it is not their responsibility to link XXXX names together. Also, they told me because I was associated with XXXX in XXXX XXXX before, so it might be the reason I owe the money. However, I moved from XXXX apartment XXXX years ago, which is so ridiculous and irresponsible. Even though, I called XXXX to check whether I need to pay any money to them and they helped me to check and told me " no ''. On XX/XX/XXXX. I received the letter from the debit company. But as I said before, I am NOT XXXX XXXX and before the debit company confirmed that my name is not linked to XXXX XXXX and reported XXXX XXXX 's case to three credit bureau departments individually but only Experian reported the thing. In conclusin, I felt there would be identity theft with Experian. Even I resubmitted the Experian again, but I can not trust neither of them, XXXX XXXX XXXX XXXX and Experian. I have submitted a complaint before but nothing could be solved from the debit company. It looks like because me, XXXX XXXX and the person, XXXX XXXX, has similar first and last name and we all lived in XXXX XXXX XXXX before so Experian mixed us. I hope this record can be removed from Experian as soon as possible since it impared my credit score for XXXX points and limit my activity in the future. Thanks for your patience to read my message and I hope that could be solved as soon as possible. To be specific again, I am not XXXX XXXX, and I only have XXXX name XXXX XXXX.
Product: Consumer Loan

I signed up for an Installment Loan from Big Picture Loans LLC on XXXX/XXXX/16 due to a job change. The agreement that was sent to me showed that I would have the {$400.00} loan paid off in XXXX payments. After signing up for the loan, the interest rate showed 847.9002 %, and that the total finance charge to them would be {$1800.00}. The total of the repayments will be {$2200.00}. If this was available to view with these details before " signing '' anything, I certainly would not have done it. 

After doing some research, I was directed to this site due to the seemingly illegal operation of this company.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer attempting to resolve a matter in good faith. As of XX/XX/2022, I have new evidence. Please refer to the attachment to see my complaint.