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

I requested a copy of my credit report and I noticed that I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters last XX/XX/XXXX and XX/XX/2022 and received no response. I really would like help in this matter. The misleading information is causing me financial stress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Inquiries Demand for Deletion Under FCRA and Metro 2 Compliance I am formally disputing unauthorized inquiries appearing on my credit report. My name is XXXX XXXX XXXX XXXX, and the only name that should be reporting on my credit file is exactly as stated. My correct and only reporting address should be XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my credit report within four ( 4 ) business days upon receipt of this letter. Additionally, under Metro 2 compliance guidelines set by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all reported data must be accurate, verifiable, and authorized. The following inquiries were not authorized by me and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX TransUnion ) 8XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX ( Equifax ) These inquiries were not authorized, and as such, they must be removed immediately to maintain compliance with federal law. If you fail to do so, I will escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and taking legal action.

If you believe any of these inquiries were authorized, provide documented proof of my explicit written consent under 15 U.S.C. 1681b ( f ). I expect written confirmation of the deletions within four ( 4 ) business days. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have had 2 credit cards with Chase Bank for the past 7+ years, of which I have never been late and often paid extra. I also have 2 checking accounts with Chase as well. I received a letter in the mail that my credit limit was being decreased. Due to too many inquiries on my account ( I am in the middle of purchasing a home ), and too many times not paying above what my minimum is due. Both of my credit card limits were decreased with Chase causing my credit score to drop 40 basis points. My credit score was in the XXXX range and is now below XXXX. I was in the process of a mortgage loan and was unable to obtain my mortgage due to this point decrease. 

I did contact Chase and asked them if there was anything they could do to help me. The gentleman I spoke with told me that in order to increase my credit limit back to where it was they would need to do a hard pull of my credit. This hard pull would once again lower my credit score even more. I explained to him that I have been a good loyal customer to Chase for the past 7 years, paying on time, etc.. As of this date, Chase has not offered any sort of recourse and my credit score still remains 40 basis points lower. There is no real explanation as to why my credit limits decreased, I have had credit cards for over 20 years and have never been treated like this before.
Product: Payday loan, title loan, or personal loan

Company debit my account for $ XXXX on XX/XX/XXXX before my loan was due. Company claimed that the ACH would be refunded in a few business days. I waited 2 weeks before calling again. On XXXX XXXX. The company denied that the funds would be refunded and said I had to wait to hear back from a Manager or I could call corporate myself. Company informed me that my option was to pay off the loan amount, which does not include the $ XXXX ACH, and then receive a refund for the excess amount ( $ XXXX ). I have both conversations recorded. The first where I was told my funds would be refunded, and the second where I was told I had to pay off the loan to receive the refund.
Product: Money transfer, virtual currency, or money service

Ria transfer money this company are using to send money to my country. They usually deposit the money in less than an hour, but in this case they are telling me they gon na hold it for four days but when I made the deposit they did tell me it was going to take the longer.

Now they are saying if I cancel it can take 10 days to the refund my money even though I told them theres an emergence I dont understand why theyre holding in for so long when I always made the deposit through my bank now they say that I need to send it through my debit card to get it in less the one hour and he steal them more than me. They are getting is through my bank. No matter is a my debit card. I think they are holding the money for so many days so they can use my money to make more money because their rates change every date.
Product: Credit reporting, credit repair services, or other personal consumer reports

you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Verification and validation with my full name and address as shown on my credit file and if it was a charged off account, I never received a 1099 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX I MAY PRESUME THAT XXXX NO PROOF OF THE NOT TeRRAS to submit certa ALLEGED DEBT, d to check the status NOR THEREFORE ANY redit Karm SUCH DEBT, IN FACT EXIST!
Product: Prepaid card

On XX/XX/2023 I called the number on the back of my Bluebird American Express Prepaid Debit Card, because I had noticed 6 unauthorized charges on my account. 
Unauthorized Charges as follows : XX/XX/2023 XXXX XXXX XXXX ATM Withdrawal {$100.00} XX/XX/2023 XXXX XXXX XXXX ATM Withdrawal {$200.00} XX/XX/2023 XXXX XXXX XXXX WA XXXX, CA {$55.00} XX/XX/2023 XXXX XXXX XXXX WA XXXX, CA {$110.00} In addition there were XXXX ATM fees for {$2.00} each which Bluebird Customer Service reversed those charges right away. 
During this call, we closed my card and they were sending me a new card. I was advised that i would need to wait for the XXXX XXXX transactions to post and call back when they do. I called back and reported the XXXX transactions when they posted to the account. I also uploaded the declaration of fraud they request on XX/XX/2023. On XX/XX/2023 I received an email from customer service saying " Based upon our investigation we have determined that no error occurred and that transaction ( XXXX ) in question was authorized. Therefore the transaction ( XXXX ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination..I mailed the letter on XX/XX/2023. '' I called customer service on XX/XX/2023 and they apologized and said they could process it again. So I had them reprocess my claim and went through the exact same procedure and received the exact same results. In the mean time I had to send a second letter on XX/XX/2023 to request evidence because my tracking said it was delayed. on XX/XX/2023 they called me and told me that there was no evidence to send me. and that there excuse was Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. 
They sent me an email because i asked for it in writing. I can provide a PDF but the wording above is highlighted and when i saved to pdf it took off the highlights. but i can provide all evidence. 
I have basically told them that I have never been to XXXX and I was at my home when these charges took place. I also never write down my pin like they tell us. I believe my card was skimmed at an ATM machine ( that is the only place this type of card uses a pin number ) and then my card was cloned. I still have the card, it never left my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name # XXXX Account name # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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: Checking or savings account

I have been using PayPal to receive payments for my XXXX XXXX and also paid some of my staff using same platform. 
all was fine until i get notified that my account has been permanently limited. 
I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 

We sell XXXX XXXX through the website, XXXX and XXXX I think it's a customer complaint or a picture infringement, I asked palpal, but it didn't tell me, Each order is shipped by XXXX or XXXX which can be tracked by tracking number.
Product: Credit reporting or other personal consumer reports

This my third a final complaint against Experian and it seems as they do not have to follow the CFPB or FCRA rules. All they do write the dispute matters will be investigated and we will respond. No responses and now I can not even get an updated credit report or credit score, which I know is against the law.
Product: Checking or savings account

I opened a new account online with BMO Bank on XX/XX/2024. On XX/XX/2024, I went to the bank branch on XXXX XXXX XXXX in XXXX XXXX IA, and deposited a US Treasury check for approximately {$8200.00}, for FEMA relief. I presented my drivers license, they took and deposited the check and said it may not be available until the following business day. I was fine with and expected that. The next day, however, I went to check the status and it said it was still pending so I waited a little longer. Then, I went to check it again and couldn't get into my account. I called BMO and they stated that my check was in their fraud investigation department and my accounts frozen for the time being and that it could take up to 30 days to complete their investigation, meaning ; they're holding my money hostage, over $ XXXX, for no apparent reason. When I asked why, they only said because my account was new and the check amount was high. Well, under the FDIC guidelines, it states that even under exceptional circumstances, that {$5500.00} should be released within 24 hrs for a treasury check and the excess can be held for an exceptional reason/review. Can you help me get my money? I've called BMO 3 or 4 times a day every day ever since this happened and they refuse to budge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have sent a dispute letter to Experian. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Experian was able to identify me. 

Experian has a legal obligation to conduct a reasonable investigation within 30 days. Experian has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Experian. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.
Product: Debt collection

XX/XX/XXXX received documents in mail about court approved payments to be taken out without myself being served to go to court didnt know anything about it until payments was taken out before i received the letter in mail, amount that was owed {$5500.00} and they received that full amount on XX/XX/XXXX instead they continue to go in my checks and the amount they say i owe no is more then the balance that was owed because the car was sold for the amount of {$6500.00} and the total amount of the car was {$10000.00} as of today they still garnishing my check for {$9500.00} i have documents that say different. The actual company said they received their money years ago and that they dont understand why money is still being taken out from my checks and that i should call the Wilson Lawyer company and i havent received a call back still
Product: Money transfers

I solicited the services of a resume writing service in XXXX XXXX. On XXXX XXXX, XXXX I requested a refund after continual delays in process my order for a professionally written resume. On XXXX XXXX, XXXX the company owner finally responded to my third email about my requested refund of which I am entitled as they offered a guarantee and she ( company owner ) stated that XXXX refunds had already been processed and sent me confirmation that they had been - XXXX refund for {$240.00} and XXXX for {$300.00}. Meantime she then submits a ACH from my financial institution in the amount of {$390.00} on XXXX XXXX, XXXX. I certainly did not authorize any additional payment to this woman or this company - I wanted nothing else to do with these people. 

XXXX of the refunds total {$390.00} and I absolutely did not request anything else from this company. I believe it is a fraudulent transaction and I have alerted my financial institution. However, I believe they are operating in an unscrupulous manner and should be subject to discipline.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX This illegal account that I have disputed with Equifax and XXXX needs to be removed ASAP under FCRA, FTC and illegal unauthorized operations. I never lived at aparmtnet # W205 which I have stated this whole year. Attached is a copy of my drivers license showing my address. Equifax and XXXX has it as apartment # XXXX and I never lived in that apartment. Someone stole my information but clearly with said documents and copies of my drivers license i live in apartment # XXXX. these fraudulent items need to be removed asap. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  {$140.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I Closed on a house on XX/XX/XXXX. They misled me about things and did not followed through the closing disclosure. The closing disclosure they presented to me at the closing table was different than what I agreed and signed right before closing. Because of their misleading and hiding information it cost me additional {$16000.00}, Delayed closing, caused anxiety and fear of losing the house ( two conflicting closing disclosure are attached ). I had to come up with additional {$16000.00} to be able to close on the deal. I was afraid I was gon na lose the house. 

After that XXXX representative XXXX XXXX reached out to me on XX/XX/XXXX to refinance the loan and correct the mistake they did, in return he offered me lowering the interest rate from 2.75 % to 2.35 % with no closing cost and also to reduce the loan amount by $ XXXX to compensate the loss I suffered with the original loan ( correspondence from XXXX included XXXX. this refinancing did not close till today even after scheduling with the attorneys office for XX/XX/XXXX at XXXX with XXXX XXXX XXXX XXXX XXXX, I made repeated phone calls and emails but got no response from XXXX. 

Everyday interest is accruing which I am not responsible for - Since XX/XX/XXXX XXXX  gave me the impression refinancing will close in a week or so, as a result I have been in confusion and did not know whether I should make payment to the original loan, I am afraid XXXX  might have reported to the credit reporting agencies and damaging my credit. I want to pay off this loan and be compensated for all the financial loss and mental anguish.
Product: Credit reporting or other personal consumer reports

Experian there are files attached below that is very detailed showing proof of identity theft. The following items are fraudulent and they don't belong to me at all. I am demanding removal from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a vehicle like this with this company. Someone stole my information and apparently purchased a car, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.
Product: Debt collection

This is a complaint from XXXX XXXX against D & A Services for D & A 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, D & A Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.