23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed Transunion that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Transunion that I have sent certified mail via USPS to address on file with Transunion and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Transunion to delete item from my credit report as unverifiable, but Transunion replied Charged off as bad debt|Dispute resolved ; reported by grantor. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Transunion with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Transunion blatantly ignored my request. I asked that Transunion provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016. This creditor is intentionally trying to destroy my credit by updating false information and Transunion is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  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 an 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 or 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: Credit card or prepaid card

Good Morning : During COVID-19 I informed Capital One of not being able to make payment for couple of month since the whole country/world was on hold. 

XX/XX/21 and XX/XX/21 I had an hardship advised the creditor of same. Even though I have been their client for over XXXX month, they still saw the need to report my payment late. I was under impression that there was a CARES Act and since I am in NY there were other executive laws signed into law to postpone reporting or payments. 

I immediately paid such accounts and brought them up to date, and have not been late ever since. I am very hard working XXXX XXXX and at the time has been bombarded with work and not being able to function as a normal person. 

I pleaded with the company to use the law and their common curtesy to remove the XXXX late payments ever on my credit so I can achieve my American Dream by purchasing a home for myself and my kids. This late payments during COVID time has caused to raise the interest on the Mortgage I am able to receive. 

I would like them to immediately report my account in good standing. Furthermore they can issue a letter mentioning my accounts were never late, and I can have the credit companies update same.
Product: Credit reporting or other personal consumer reports

Transunion is charging to view your credit score. They give your information to everyone except you, make secretive rules, are largely unaccountable for breaches and bad practices, they charge for services to monitor the information they sold, and now they want to charge us to simply view our super special top secret score?? Is anyone out there trying to protect us??
Product: Credit card

On XX/XX/XXXX I noticed unauthorized charges on my account from XXXX that I did not purchased. I reported them to Citi Bank. They cancelled my account and re-issued me a new credit card. There was XXXX charged that they reversed the credit on XX/XX/XXXX in the amount of {$35.00}, {$25.00} and {$10.00}. I called again to re-open the dispute. I was told they had to re-investigate the charges and they had up to 90 days to investigate. On Feburary XXXX, XXXX I sent a letter to them along with proof of my XXXX account showing the purchases that I made and there was no purchases in the amounts that I was disputing. It's now XX/XX/XXXX and still no resolution and they now saying they have to send it to billing department for investigation and they have up to XXXX billing cycles to reveiw. In the meantime, they won't re-verse the charges which is causing my account to be past due with interest fees and late payments and my XXXX XXXX XXXX has dropped to XXXX due to this as they reported as non payment to the credit bureau. I refuse to pay for charges that I did not make!!!
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXXXXXX XXXX  XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX  - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PERSONAL INFORMATION INCORRECT : Incorrect Name - XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - The personal data reporting is inaccurate.
Product: Debt collection

I have a collection account from XXXX XXXX XXXX XXXX on all three of my credit reports in the amount of {$17000.00}. XXXX XXXX XXXX XXXX is failing to properly validate this debt. I originally disputed the account thru XXXX XXXX XXXX and the collection agency sent me a letter on XX/XX/XXXX saying they closed the investigation and attached a credit card statement, which ( in their words ) established its validity. On XX/XX/XXXX I once sent a certified letter of validation and asked they provide me with the contract bearing my signature from the original creditor that i have a legal obligation to pay them. I also asked what method of verification they gave the credit bureaus regarding the accuracy of the account.. On XX/XX/XXXX they once again sent me a letter stating they have completed their investigation of my dispute, attached credit card statements which ( in their words ) established its validity. They sent me the same letter on XX/XX/XXXX with same credit card statements. On XX/XX/XXXX they sent a letter that they have reviewed my dispute and their records indicate they have already responded to a previous dispute that is the same as my present dispute and because of my dispute alleges no new facts an includes no new information they will not be conducting another investigation if they receive subsequent correspondence from me regarding a dispute that has already been resolved. Their office considers this matter closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my 3 free credit report, but as usual only one works..XXXX!!! 

The other 2 XXXX and Transunion are always a HUGE problem..!!! It's these XXXX XXXX and Communication Services..DISGUSTING ...!!! 

They're websites are Dysfunctional & so is the Verbal Communications..!!! 

Why does US.Gov Allow Foreign Agencies Control 2 of our Credit Reporting Files..??? 

America Is Sick of " Invasion of Personal Information " ..!!!
Product: Checking or savings account

My concern is about XXXX line of Credit. I was given a line of credit for {$2000.00} and I maxed it out after some months. My balance was {$1900.00}, so I paid the full balance from my bank account, {$1900.00}. The money was taken out of my account right away. One week later the balance is still not paid. Mind you, this is an interest-bearing account if the balance is paid within a certain amount of time. I called the company and ask why my account is not paid in full? I am told, since this is a new account, the amount I paid is placed on hold to prevent fraud since this is a new account. They even go further to tell me that the hold on my money that I paid to clear this account will be held until XX/XX/XXXX! They stated it's in our agreement. No where in the agreement could I find this. I paid this amount on XX/XX/2023. When they release the money to pay the account in full, it would be 16 days that they have held those funds to pay off my account. The interest from holding this money will not be giving to me, but to them. I have advised them that this is highly illegal, and they stated they can do this. Can you please offer some assistance here? I find this very disturbing that my money is just sitting there and not applied to the balance to pay it off. Thank you so much.
Product: Checking or savings account

On XX/XX/XXXX, I stepped out to run my usual weekend errands. I went to XXXX  to purchase some items which I paid for with my debit card, {$84.00} total. Later that day, I went to XXXX to stock up on groceries where I changed my debit card {$190.00}. Shortly I left XXXX, I went to XXXX XXXX. My sole purpose for going was to redeem my points for merchandise. The total I had to pay was a service fee of {$1.00} which I paid cash. I remember I had my card at the XXXX XXXX  because when I pulled out the cash I saw the card. I carry this in a small pouch of my yoga pants so I can see how it slipped out or maybe even left on the counter where I paid. When you enter XXXX XXXX theres a counter where you check in and do express pickup. Thats exactly where I paid the service fee of {$1.00}. Immediately after I paid I went home not realizing I had dropped my debit card. The following day, XX/XX/XXXX I had to go run errands so I go looking for my debit card and realized I must have dropped it. I log into Chases website to check for suspicious activity. To my dismay I did find a charge to merchant XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV for {$190.00}. Made on XX/XX/XXXX. XXXX XXXX is in the same retail square as XXXX XXXX. I can see whomever found the card easily walking over to the XXXX XXXX to purchase {$190.00} of merchandise. When I discovered this, I immediately called Chase to file a fraudulent charge made with my debit card. The reversal posted to my account XX/XX/XXXX. On XX/XX/XXXX I realized Chase took back the temporary credit provided. I called Chase to verify why the temporary credit was removed. XX/XX/XXXX I spoke to a frauds claim specialist. I was informed the money was taken back because I had previous purchases from this store XXXX XXXX XXXX XXXX XXXX XXXX. This is very true. I am a smoker and visit this store from time to time. My last authorized purchases made at this store which is right around the corner from my apartment are as follows : XX/XX/XXXX {$4.00}, XX/XX/XXXX {$13.00}, XX/XX/XXXX {$30.00}. I can assure you I did not authorize the purchase of {$190.00} on XX/XX/XXXX. Since I filed the police report, Chase refuses to open the claim again even though I followed protocol and got a police report as I was instructed. According to a few representatives, I am liable for the charge because Ive shopped there before. That is not accurate. Chase should be able to pull surveillance to verify it wasnt me who charged the account.
Product: Debt collection

Comenity Bank called my father and my brother and told them both they were trying to collect a debt, I am in the process of settling this debt with them and I understand they are not legally allowed to tell a third party any of my information they have called them repeatedly and I want to know what my options are to rectify this situation and I Commenity should be stopped.
Product: Checking or savings account

On XX/XX/2019, I placed an order of 2 bottles of vitamins supplements ( 30 day supply. This was a trial. Three days later, On XX/XX/2019, the companies XXXX and XXXX charged my account in the amounts of XXXX and {$85.00} each. I tried disputing it with Chase and the companies directly but they claimed I had to cancelled within 15 days. I did not but they charged me full price for the vitamins 3 days after I ordered them. They did not give me the opportunity to cancel rather they took the money off my bank account. I demand a full refund.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking them was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that th

is information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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 XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.
Product: Checking or savings account

dear cfpb, i filed a complaint to cfpb last year on citibank regarding my funds in checking account for {$1500.00} but you forwarded this complaint to citibank. inturn, citibank executive response unit ( mr. XXXX XXXX ) responded that they escheated the funds to treasurer of south dakota. i filed the claim and kept waiting. in the mean time i was deported from XXXX to XXXX. 

from here, when i emailed the treasurer, he states there is no property escheated by citibank in my name and specifically this property number XXXX kindly look into this matter. if there is an option to attach files, i will attach the copy of citibank letter which shows the property number and the amount. and i will also attach the emails of treasurer. 
please help, i appreciate XXXX XXXX ss # XXXX dob XX/XX/1971 ca drivers lic # XXXX current mailing address : XXXX XXXX XXXX , XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is myEquifax is being too secure with how it handles its operation when consumers try to access my credit report and buy their products. I can't even access my information or keep my account with them current as I now have a different card. As a result, my account with them has been canceled and now they are trying to use my old card to keep my account current. This happened today. I understand from the XXXX  that there are hundreds of complaints about myEquifax regarding their business practices in the past couple of years. I'd go through them, we all need somebody with more juice to show myEquifax the error of their ways and straighten myEquifax if you know what I mean. Thank you for hearing me out. Have a good one!
Product: Checking or savings account

Subject : Formal Complaint Against Chase Bank for Unjust Closure of Checking Account and Withholding Funds To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding the sudden closure of my checking account on XX/XX/2023, and the subsequent withholding of my funds totaling {$7000.00} for over five months. Despite numerous attempts to ascertain the reason for this action and the status of my funds, I have been met with unhelpful responses and prolonged delays. 

On the aforementioned date, without prior warning or explanation, Chase Bank abruptly terminated my checking account. Since then, I have made persistent efforts to seek clarification from the bank regarding the circumstances surrounding the closure and the release of my funds. However, each time I have reached out, I have been met with vague responses and assurances that my case is " under investigation. '' As a result of this unjustified account closure and the prolonged withholding of my funds, I have faced significant financial hardship. I was laid off from my job and relied on the funds in my Chase account to cover essential expenses such as rent and living expenses. The inability to access these funds has exacerbated an already challenging situation and placed me in a precarious financial position. 

I demand immediate action from the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Chase Bank promptly releases the entirety of my funds without further delay. Additionally, I urge the CFPB to hold Chase Bank accountable for its lack of transparency and failure to provide adequate justification for the closure of my account. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to resolve this issue and ensure that consumers are treated fairly and justly by financial institutions.