23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT ( XXXX XXXX Account No. XXXX ) Please show me documentation showing proof of a transaction where I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payments from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best Regards
Product: Credit card

I called Capital One customer service to waive my late fees ( {$40.00} each ) for XXXX and XXXX. My payments are due on the XXXX of the month. 

In XXXX, I made my payment on the date, Friday, XX/XX/XXXX. I misunderstood the Eastern time, so it was late. They waived this charge. 

In XXXX, I was unable to make a payment on Sunday, XX/XX/XXXX. My personal checking account was frozen due to fraudulent activity. I went to my bank when it was open on Monday, XX/XX/XXXX to fix the situation. Once the situation was resolved, I made my credit card payment that day XX/XX/XXXX. This fee however is unable to be waived due to no more fee waivers. However, this is an extenuating circumstance, and I was already in a tight spot with my account being frozen. {$40.00} is a ridiculous and significant amount when I was already dealing with a financially difficult situation. 

They then told me that they will not waive either fee.
Product: Credit card

I had a dispute in for an order with XXXX XXXX. XXXX asked me a very confusing question and I accidentally closed my dispute. I am being charged for goods I did not recv order placed XX/XX/year>. 
I originally disputed this with XXXX they canceled the order but XXXX has not updated their system nor have they canceled or credited the order. XXXX shows that the items were purchased but not sent. They show the order canceled on their end. I have a snapshot of the order transaction. History. XXXX asked me a very confusing question. I wish I would have took a picture of it. But the way it was worded was asking me after I put in my request for a dispute in I wanted to continue. I and answers yes and they responded my issues was canceled. But I dont remember the question being worded that way? I go back I. To try to reopen my dispute they responded the issue has been resolved in the merchants favor? XXXX just need them not charge me for items I have not received and credit back my account. Or just send me the items? 

I repurchased the unrecieved items and only recvd XXXX. That order # is XXXX but I am being billed for XXXX. The order purchase from yesterday never updated.
Product: Checking or savings account

XXXX XXXX XXXX XXXX I had XXXX accounts with Wells Fargo and this was happening regularly. I contacted them with spending transactions that werent mine and asked them to invesXXXX, they said I would have to turn in each transaction myself. But the deposits were then being messed with and I had money go missing and the teller said that there was nothing I could do about it. I mainly went to 2 branches and it is a Wells Fargo account. I only have that one account. But my father had left word with my mother that I had a trust. Just dont know where to find it. My maiden name was XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft and was advised by the Federal Trade Commission that I should file a report or complaint with the Consumer Financial Protection Bureau to resolve this matter and issue of fraudulent items reporting on my credit report.
Product: Mortgage

IN XXXX I " BOUGHT '' MY XXXX XXXX XXXX XXXX XXXX HOUSE WITH A XXXX XXXX XXXX XXXX XXXX I SUBSEQUENTLY " REFINANCED '' WITH NJ LENDERS IN XXXX I HAVE BEEN INFORMED THAT NO MONEY WAS PAID OUT TO XXXX XXXX XXXX XXXX WHEN I " REFINANCED '' IN XXXX. THERE IS NO RECORD AT XXXX OF THE MORTGAGE AND NO DISCHARGE WAS FILED IN XXXX WHEN THE ALLEGED " REFINANCE '' TOOK PLACE. I HAVE ASKED FOR PROOF OF PAYMENT TO XXXX XXXX XXXX XXXX WITH THE DOLLAR AMOUNT PAID AND A COPY OF THE DISCHARGE OF THE MORTGAGE. I KEEP ON GETTING PAPERWORK THAT I ALREADY HAVE AND DON'T NEED. I HAVE VERY GOOD REASON TO BELIEVE THAT FRAUD HAS TAKEN PLACE FOR A NUMBER OF REASONS THAT INCLUDE VARIOUS DOLLAR AMOUNTS OWED. 
ATTACHED IS A COPY OF THE LETTER THAT I RECEIVED TODAY. 
I DID NOT REQUEST A COPY OF THE MORTGAGE!!!!!! 
PLEASE PROVIDE THE FOLLOWING : I AM REQUESTING : 1 ) A COPY OF THE CHECK THAT WAS USED TO PAY OFF THE XXXX XXXX XXXX XXXX " MORTGAGE '' 2 ) A COPY OF THE DISCHARGE OF MORTGAGE PLEASE DO NO CONTINUE TO SEND ME USELESS DOCUMENTS. I AM REQUESTING # 1 & # 2 ONLY
Product: Credit reporting or other personal consumer reports

Complaint : In accordance with the Fair Credit Reporting Act, I am writing to address several issues concerning the accuracy of information on my credit report. The following accounts have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

DEPARTMENT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( two entries ) XXXX ( duplicate entry ) Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 
Legal Basis for Complaint : 15 USC 1681 Section 602A : Protects my right to privacy. 
15 USC 1681 Section 604 ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse items of information that are over seven years old, except records of convictions of crimes. 
15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. 
15 USC 1681i ( 5 ) : Requires the treatment of inaccurate or unverifiable information by deleting or modifying the item and notifying the furnisher of the information. 
15 USC 1681s-2 : Prohibits furnishing 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. 

Resolution Sought : I request that you reinvestigate the completeness of every piece of information related to the aforementioned accounts. If any information is found to be inaccurate, I request its immediate removal from my credit report. Please ensure compliance with the outlined sections of the Fair Credit Reporting Act and notify me of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Informed my Zelle not by me, passwords were hacked because my phone was stolen. Someone transferred {$2000.00} into their account pretending as if I sent the transfer. 

Incident happened XXXX XXXX XXXX  My bank routing number had to be changed with XXXX XXXX XXXX XXXX and passwords were changed as well. My account number previously ended in XXXX now I have a new one. 

XXXX XXXX did not refund me, a claim was processed and denied.
Product: Credit reporting or other personal consumer reports

I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. I have a XXXX XXXX account that was settled and paid in total amount of {$350.00} on XX/XX/2023 and was told by XXXX it will stay on my account for 7-10 years. I tried to dispute with all 3 credit agencies with no luck. I have two accounts with XXXX XXXX XXXX that started reporting in XXXX of 2023. The amounts for the two accounts are {$410.00} and {$3100.00}. I called XXXX XXXX where they told me there was no account on file attached to my name. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Equifax, XXXX and XXXX credit reports, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Product: Debt collection

Someone opened a XXXX account in my name illegally. Someone stole my information and made an account in my name Illegally. I need this account removed from my credit as soon as possible, it is my right by law. I've been trying to remove this account from my credit for months. This account is affecting my credit. Please report this account and remove this illegally made account from my credit file. It is identity theft. Creditor : XXXX XXXX. This was illegally reported without being properly verified. This is not my account. Please remove because I am at the point where I would like to handle this legally. It ruined my credit score.
Product: Debt collection

I started receiving an offer to resolve a debt but it is not mine. I reached out to Jefferson Capital Systems a couple of months ago and told them this is not my debt. The creditor is listed as XXXX XXXX XXXX and I stopped banking with them years before they went out of business in XXXX. I closed out my account which was in good standing with no monies owed to them. I do not owe this money and do not want it to appear on my consumer credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.
Product: Debt collection

This company called me multiple times 3 times a day and I asked to be removed and they never did and are still contacting me, if they contact me again i'm going to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested my annual free credit report and was refused .I have received my annual free credit reports in the past from the 3 major credit reporting agencies albeit I had frozen my accounts because of the Equifax and other breeches.I then received a the following bizarre letter some weeks later. Please see attachment below. I have had no difficulties until now. My last installment loan was in XXXX from XXXX XXXX for an auto purchase.Thank you, XXXX XXXX XXXX
Product: Checking or savings account

PenFed did not honor the checking account promotional bonus {$250.00} for the new customer. 

In XX/XX/2024, there was a promotional checking account and savings account bonus offered by PenFed website XXXX XXXX XXXX XXXXwww.penfed.org/XXXX ( attached the terms screenshot ). 

On XX/XX/2024, due to the confusing words in the terms, my spouse sent a message to PenFed to confirm if the offer was a public offer and we were eligible for the offer. PenFed created an case ( # XXXX ) and confirmed we were eligible for the offer. 

The message to PenFed to explain the terms : " Hello, I see this offer online : XXXX  : //www.penfed.org/XXXX I intend to open a checking account for a {$250.00} promotional bonus. In the disclosure at the bottom of the page, it says " The up to {$500.00} offer is limited to individuals that receive the offer directly from PenFed. Maximum bonus received is {$500.00} per member. " I did not receive any offer from PenFed. 
My understanding is the " {$100.00} combine offer '' is targeted to the individual who receives the offer from PenFed. However, the checking bonus of {$250.00} is a public offer and I am eligible for it even though I have not received the mail offer from you. 
I would like to confirm from you if I am eligible for the {$250.00} checking bonus offer. '' case ( # XXXX ) response : " Thank you for contacting PenFed. 
Yes, you will qualify for the {$250.00} bonus. As long as you open the account by XX/XX/2024 and have XXXX direct deposits put in the account before XXXX. '' ( attached the message and case response ) After confirming with PenFed about eligibility, I opened the checking account in XX/XX/2024, and met the direct deposits requirements stated in the terms in XXXX and XX/XX/2024. ( attached the monthly statements ) On XX/XX/2024, I used PenFed online chat to check the status of the promotional bonus. The agent told me the offer was targeted and denied my eligibility and rudely closed the chat without me to explain that I checked the eligibility before opening the account in case # XXXX. ( I was not even able to screenshot the chat scripts before she closed the chat. ) I feel PenFed just gave random reason to try their best not to honor the promotion. My spouse also had terrible experience with PenFed about the same checking account offer. PenFed denied my spouse using a different ridiculous reason : saying the offer was checking and savings account bundled and my spouse did not meet the savings account requirement. My spouse raised a separate CFPB complain.
Product: Checking or savings account

Chase is refusing to help and remove unauthorized charges on my account, representative said charges are valid after 60 days of posting regardless of status. 

Ive asked for them to change my account number and file disputes however the agents refused and because of their refusal to help, my account went negative and they closed it out after the fraudulent transactions posted Now my account with fraud activity was closed and chase is making me responsible for transactions I never authorized
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. XXXX has violated my rights by furnishing false inquires on my report. I've asked for the proper documentation multiple times and still have not received a response. Additionally, I have not given XXXX, XXXX, AND EXPERIAN permission to furnish this information. This a violation of 15 USC 1681 ( B ) ( C ). BOTH of my consumer and privacy rights are being violated. 

I am demanding removal of these inquiries unless you can provide the proper documentation that supports your claims.
Product: Credit reporting

I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my EWS report and XXXX Bank indicated that XXXX transactions of {$20000.00} were returned on XX/XX/22 & XX/XX/22 This information is incorrect
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 institution and Zelle failed to investigate my claims adequately and refused to refund me my amount lost due to lack of information of how Zelle works. 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, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX Account number XXXX. I have disputed this multiply times. They change it to something else every time. I have a chapter XXXX discharge in XX/XX/2016. This account is still saying account status charge off. They never fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Contact XXXX Email XXXX XXXX I am asking city bank about all the recording call from my cellphone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint claiming I was a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 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 unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I had XXXX in my account I tried to withdraw XXXX from the ATM the ATM fee was only XXXX so I had enough money in my account to withdraw this amount the ATM said insufficient funds and took my money out of my account this was XX/XX/XXXX and call a spoke with customer service the Said that the money would be back in my account in XXXX hour in has been 4 days and my money is still not in my account I truly believe this is happing because i filed i complaint against them saying that this card was not protected by consumer protection law now when I spoke to someone they told me it would be XX/XX/XXXX before I get my money this my rent money I explained and rent will not be paid if I don't receive my money as part of my lease you can't be late no more than 2 days or you will be recommended for eviction
Product: Debt collection

back in 2008 when then the banks fell like XXXX it was of corruption going on with banks like XXXX it was some illegal things going on with clients debt like mines have assurance in case I lose my job they suppose to cover me but doing that time my identity was stolen some debt collectors claims which I don't owe them. [ the name company was XXXX XXXX ] for some reason they got a default judgement against me claiming I owe them interest and paying their time for gas and other things. please call me I need your help. they garnish my XXXX XXXX wages which they was not satisfied XXXX XXXX dump them for being dishonest please call me XXXX XXXX XXXX my name is XXXX XXXX. sincerely thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : XXXX, has violated my rights.

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

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

i have filed a cease and desist against XXXX XXXX XXXX XXXX the continued communications have caused me to suffer severe humiliation, distress, and embarrassment. with unauthorized alleged amount of {$6000.00}. its also infringing upon my right to privacy