23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Mortgage

I PAD OFF MY MORTGAGE XX/XX/2024 XXXX COMPANY REFUSED TO REFUND MY ESCROW ACCOUNT CALLED MULTIPLE TIMES WAS TOLD THAT CHECK IS IN MAIL SEVERAL TIMES XXXX XXXX XXXX XXXX AND TWICE IN XXXX NO MONEY NO CHECK
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the company Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle has failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system as well, leaving users vulnerable to scams. With this having lack of accountability and transparency, this shall be unacceptable and raises serious concerns bout consumer safety.
Product: Consumer Loan

there was a loan posted to an old Checking account of mine since then I have been receiving phone calls to while at work at all times of the night and morning I 've asked them to stop calling my phone but they still continue what do I need to do they keep calling from all types of phone # 's
Product: Vehicle loan or lease

To whom it may concern : I, XXXX XXXX, am writing this letter to lodge a formal complaint against Chase Auto Finance. 

For five years, Chase Auto Finance has refused to pay me over XXXX XXXX dollars : On XX/XX/XXXX, I received a loan from Chase Auto Finance ( herein referred to as Chase ) to purchase a XXXX XXXX XXXX. The total loan amount was {$62000.00}. Because the vehicle would be purchased out of state, the loan was to be disbursed in the form of two checks, one to the dealership for {$59000.00}, and the other, for tax and title, to the XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I received the check for the dealership but never received the check for the tax. 

After about 3 months of calling Chase trying to get the second check from them, I was forced to pay the tax myself, as my temporary registration had expired. Even after I paid the tax myself, I continued to contact them via their phone support. Over the next 6 months, I was told multiple times that my issue would be resolved and that a credit for the amount would be applied to my account. Believing that the issue had been resolved and that my balance had been adjusted to reflect the correction, I stopped contacting them. 

Starting in XXXX of XXXX, when my loan had approximately 5 payments left, I realized that absolutely nothing had been resolved and no credit had ever been applied. I started contacting their phone support again. Each time I call, I am once again told that my case will be resolved within a few business days or to call back in a few days or that a representative from Chase would contact me. 

Each time I talk to them, they request proof of sales tax payment, which I have sent three times now, via fax and email. I don't see why they need proof that I paid my own taxes, when they never sent me the check for the tax. They have also requested a copy of the vehicle title, which I have sent multiple times as well. Again, I don't see how a copy of the title would help them pay money they owe me. On every single call, I am assured that my case will be escalated and that the matter will be resolved within a few business days. 

After no less than six, thirty-minute to one-hour phone calls in the last 3 months, as well as countless other phone calls earlier on, the issue has still not been resolved and now I am receiving threatening letters from Chase stating that my account is past due, that my vehicle will be subject to repossession, and presumably that my credit score may be affected. My frustration with Chase can not be overstated. 

After 5 years and countless opportunities to address this situation, I feel that this is at the very least a violation of banking regulations and at most illegal and fraudulent.
Product: Credit reporting or other personal consumer reports

I HAVE CHECK MY CREDIT REPORT TODAY. AND NOTICE THAT THEY REPORTING MY WRONG INFORMATION ON MY REPORT.
Product: Credit card or prepaid card

American Express Credit Card Account # XXXX, I have read the documentation provided by XXXX   XXXX/XXXX  XXXX. They provided no evidence that we left on the boat, because we did not leave on the boat. It does not address that the crew offered dissatisfied customers to get off the boat during orientation and get refunds. We did exactly that. 

The provided documents states : See the XXXX  XXXX  XXXX  of the XXXX XXXX   and snorkel at a shallow coral reef and Viewing the XXXX XXXXe is VERY weather dependent Weather dependent means sometimes they go and sometimes they dont. What do they do when they dont go out? Do they allow customers to get off the boat and get refunds? Yes, they did on XXXX. A business is responsible for what their crew says and promises, even if the owners are completely unaware. 

There were 2 crew members ( male and female ). What is their testimony of what was said and promised on the boat during orientation? Orientation is on the boat and the last step. 

Signing, booking, and renting does not prove that we left on the boat and snorkeled. We never wore the wetsuits. We dont owe payment. 

They are frauding consumers by not processing the refunds as verbally promised. Page 4-5 of the terms are not readable. You cant call it a XXXX XXXX Tour and then not visit the XXXX XXXX. It is false advertising, false promise, and false service. 

It is irrelevant if the boat crew really did or did not go to the XXXX XXXX later when they were at sea. We have no control if the weather cleared up and they changed their mind. It only shows that the crew lied or misadvised us during orientation, and the result is that they lost our business and payment. 

Background of Dispute : I made a reservation on XXXX for the morning of XXXX. I rented wet suits on XXXX, but we never wore them. During the orientation on the boat, the crew said it was too turbulent to go to the XXXX XXXX. They promised refunds for those who were disappointed and booked only to visit the Christ Statue. We got off the boat in the middle of orientation, and requested refunds. The staff said that they cancelled the pending charges on our card at the main office, and that they should clear off in a day or two. We returned all gear unused. The pending charges never dropped off, which is why I am filing this dispute. We do not owe any payment. 

All purchases are financial contracts with payment promised for services/product rendered. It is a legal contract between 2 parties. They did not provide any services or products. This contract is not one sided. 

XXXX XXXX XXXX Dispute Reference Number : XXXX Date of transaction : XX/XX/2019 {$210.00} with XXXX XXXX  XXXX XXXX , FL Reason for Dispute : I do not receive service or product Dispute Reference Number : XXXX Date of transaction : XX/XX/2019 {$86.00} with XXXX XXXX XXXX XXXX , FL Reason for Dispute : I do not receive service or product
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

After a detailed examination of my recent credit report, I identified several accounts that are clearly fraudulent and were added without my authorization.
Product: Credit reporting or other personal consumer reports

Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : ** XXXXXXXX XXXX account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud. 

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion. 



I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties. 



I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report. 



Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



Sincerely, XXXX XXXX One attachment Scanned by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX my medical information. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies XXXX CA XXXX with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. The CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, this is my private personal medical information. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

I asked Porfolio Recovery not to contact me during my working hours of XXXX to XXXX. They continued to blow op my phone with calls. Then I told them not to call at all. They still continue to call, and its repeated call after call back to back. This is Creditor Harassment and I cant get them to stop calling. I have screenshots of the calls, I will try to copy and paste to this claim. If it doesnt work I will need an email address to forward them too Recents XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIORECOV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the XXXX Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I sold a vehicle XX/XX/2024 that had an open lien with bank of America. They sent a paid in full letter, but can't manage to provide a notarized lien release required by the dmv. They've wasted hours of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Transunion in regards to the inquiry from XXXX XXXX. I have asked them to remove the inquiry because the company stated that they have done a soft pull on my credit report therefore it will not leave an inquiry on my report. I had expressed that I do not want an inquiry on my report. Transunion responded and said the typical language that they had investigated the matter and found that the inquiry was mine. This is obvious that they did not even read my issue and to prove that they did not do any investigation. I have used the address they had provided and received an undeliverable address message back.
Product: Debt collection

ON XXXX XXXX, I notice a alleged debt of {$11000.00} from NCB Management services that i do not owe, and i sent a letter asking for information related to the alleged account and hasn't received anything thus far .I am asking that for the validity of the debt, along with other documents to support the alleged debt
Product: Credit reporting or other personal consumer reports

To whom this may concern, Attaching FTC report containing XXXX fraudulent accounts along with XXXX fraudulent inquiries
Product: Vehicle loan or lease

XXXX contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TILA violations and request for Notice to Rescind contract. 
XXXX XXXX  Contacted Wells Fargo Auto disputing {$15.00} late fee before payment due and TILA violations in contract. see attachments XXXX XXXXXXXX Wells Fargo said more time was needed to research.. 
XXXX XXXX Wells Fargo responded with payment history showing late continued late fees. see attachments. 
Wells Fargo Auto and XXXX XXXXXXXX have not responded to the Finance charge error in the TILA that I.ve disputed. see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute. 
sent ftc violations attached ftc laws these companies violated