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

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are to be corrected immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My formal complaints are against XXXX  XXXX XXXX and ChexSystems. 


In XX/XX/XXXX, I left an abusive marriage. We had first been together in XXXX and married in XXXX. 
A large part of the abuse was financial, as he took control of all financial accounts and limited my access to funds and knowledge of the statuses. 

When leaving the marriage with my XXXX young children, I was ecstatic to be able to go and open my bank account at my previous banker- XXXX  XXXX XXXX. ( XX/XX/XXXX ) However, when I went to do so, I learned of an outstanding balance. Despite limited funds, I resolved the balance with the understanding that this would allow me to open an account. 

However, it did not because my account had been flagged for fraud. 
It was at that point, I was told it would take 90 days for it to be removed from ChexSytems, but that also was not true. 

Over the past XXXX and a half years I have submitted multiple disputes with ChexSystems for the flag preventing me from opening an account be removed. 

XX/XX/XXXX & XXXX of XXXX, it has been disputed again. 

This does not include or limit the amount of phone calls I have made to both chexsytems and XXXX  XXXX XXXX. 

Being bounced from Risk & Fraud to Collections to multiple drop calls. 

The dates of when it would be removed have varied from XXXX, XXXX, the new year of XXXX and now as of XX/XX/XXXX. 

Chexsystems insists they need a letter from XXXX  XXXX XXXX stating it can be removed. 
XXXX XXXX  XXXX insists they can do nothing. 

Both financial institutions have apologized for the " inconvenience '' by the customer service team and supervisors. 

XXXX was another account in which I was notified of, paid and were happy to send a letter to ChexSystems stating it should be removed. 

In these disputes I have provided proof of payment, proof of the divorce decree and evidence of the financial abuse as well as a police report. 

The act of keeping this marked as a fraud, the refusal to acknowledge despite a continuing act of financial abuse from the financial reporting institution ChexSytems and XXXX  XXXX XXXX.
Product: Credit card

I opened the Citi XXXX XXXX credit card where it was promoted " Earn XXXX bonus points after spending {$4000.00} in the first 3 months of account opening, redeemable for {$750.00} in gift cards or travel rewards on thankyou.com. '' I applied, got approved on XX/XX/XXXX, and spent more than {$4000.00} within two months. I called into customer service XX/XX/XXXX asking when will I get my sign-up bonus since I have met the requirements, they stated that I am NOT eligible since I have multiple Thank you accounts receiving bonus in the past 48 months. That should not be the issue since the terms and conditions is not to have received a bonus for the Citi XXXX. This is my first ever Citi XXXX XXXX XXXX  and I have never received any bonuses for that card ever. Why is Citi now changed their terms and conditions after I have paid the card annual fees and met the requirements. It's also not listed anywhere regarding the multiple Thank You accounts disqualification during the time of my application. 

" Bonus Points Offer Bonus ThankYou Points are not available if you have received a new account bonus for a Citi XXXX or Citi XXXX XXXX account in the past 48 months ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was sold to XXXX XXXX XXXX should only have 1 account reported and XXXX XXXX XXXX has been satisfied
Product: Credit reporting or other personal consumer reports

I noticed accounts listed on my credit report that is not accurate or may belong to someone else.
Product: Checking or savings account

Missing my company direct deposit to CapitalOne back on XXXX Friday still. It is supposed to be in my checking account on Thursday earlier morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is running TV commercials advising that they will run a free " report '' of my " information '' being on the dark web. Knowing they are providing free services for credit monitoring for a year because they compromised my information, I went in and provided my email address. After the report ran, they requested my credit card information for continued dark web service. This is deceptive. They are using the data breach and free offer of credit reporting to try to sell this product but they advertise it is free until after you provide your personal information. This is WRONG and the government should not allow them to do this. It 's predatory and deceptive. They have already done enough damage to peoples lives and now they 're trying to take their money. The CFPB needs to regulate these companies just as much, if not more, than they do the financial and other industries. What they are doing is criminal!
Product: Credit reporting or other personal consumer reports

XXXX XXXX REWARDS CREDIT CARD ACC. NO. XXXX XXXX XXXX XXXX XXXX To : XXXX, XXXX, TransUnion, CFPB, and XXXX  Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX To : Whom It May Concern, This letter serves as my third dispute regarding inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite XXXX XXXX XXXX disputes to XXXX, I have yet to receive a satisfactory resolution. I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and TransUnion ) for further review and corrective action under the Fair Credit Reporting Act ( FCRA ). Key Points of My Dispute XXXX. Failure to Address My Prior Disputes : XXXX XXXX XXXX XXXX has ignored my previous disputes and failed to provide substantive evidence to justify the reported late payment. Despite my detailed requests, XXXX continues to assert the reporting is accurate without providing the necessary proof of compliance with FCRA requirements. 2. Violation of CFPB and FCRA Regulations : Under FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure accuracy and respond to consumer disputes in a manner that includes proper investigation and evidence. XXXX has failed to provide proof of compliance with Regulation Z, specifically regarding the issuance of billing statements at least 21 days before the payment due date. 3. No Proof of Certified Mail Delivery : As required by 15 U.S. Code 1666b, XXXX must adopt reasonable procedures to ensure timely delivery of billing statements. I requested the certified tracking number or delivery proof for the periodic statement that allegedly informed me of the payment due on XX/XX/2024. XXXX admitted they do not use certified mail, which raises concerns about whether the statement was delivered at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit file immediately : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact.
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.I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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, XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX & XXXX XXXX - XXXX XXXX  XXXX & XXXX XXXX - XXXXHowever , they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I am writing to dispute the inaccurate reporting of the account XXXX XXXX XXXX XXXXXXXX with number XXXX on my credit report. According to your records, the account is listed as XXXX, opened on XXXX, with the date of last activity shown as XXXX, and last verified on XXXX. This information is incorrect, and I demand that this account be deleted from my credit report. 

The Fair Credit Reporting Act, under 15 U.S.C. 1681s-2, mandates that credit reporting agencies maintain accurate information. Therefore, I request that you provide the documentation and verification used to confirm this accounts accuracy, as well as proof of the {$490.00}, which I dispute. 

The need for accurate reporting is clearly outlined in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court held that credit reporting agencies are responsible for ensuring the accuracy of consumer reports and must correct or delete inaccurate information promptly. 

Additionally, in XXXX XXXX Trans Union XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that a failure to maintain accurate information constitutes a breach of duty, further emphasizing the responsibility of credit agencies to act on disputes raised by consumers. 

If this fraudulent reporting continues, I will have no other choice but to sue for STATUTORY DAMAGES as this has been a recurring issue where accounts have been inaccurate and continue to change form each 30 days. 

Given these precedents, I expect you to take immediate corrective action.
Product: Consumer Loan

I purchased a used Jeep 2015 Cherokee Latitude from XXXX XXXX of XXXX on XXXX XXXX. The advertised price for the vehicle on the internet was {$23000.00}. A subsequent reduced price advertisement on the internet showed the reduced price to be {$22000.00}. XXXX charged me {$32000.00} for the vehicle. This is a price difference of {$8200.00} using the larger advertised price and {$9700.00} for the reduced price. I 'm disputing the price difference between the amount being financed ( {$28000.00} ) with TD Finance versus the price I calculated using the larger advertised price and XXXX XXXX XXXX values for the vehicles I traded-in ( {$21000.00} ) as the bottom line amount for financing. The total amount of overcharge I dispute is {$7100.00} XXXX {$28000.00} - {$21000.00} XXXX. An uploaded table provide a summary of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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 a account without my written instructions
Product: Checking or savings account

On XX/XX/2023, I received multiple emails stating that I had opened an account at Bank of America and I needed to confirm my updated email address. I did not authorize the opening of any accounts and do I bank at Bank of America. I did contact the company 's fraud department and they did confirm that an account was opened in my name, and did close the account. I was advised to file a complaint with Consumer Finance and put a freeze on my credit. I also subscribe to a credit monitoring services. This company had all of my personal information and has created some fear.
Product: Credit reporting or other personal consumer reports

I reached out to the companies directly and asked them to authenticate these accounts and let me know how they obtain this information and opening these accounts. I also asked them can they verify the informaiton on this account and they were not able to do this.
Product: Credit reporting or other personal consumer reports

Urgent Alert : Immediate Action Required! Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Transunion and XXXX, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. Moreover, 15 USC 6801 underscores that XXXX has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation. 15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither Transunion nor XXXX has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither Transunion nor XXXX has provided such information, thereby failing to comply with this regulation. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. Transunion and XXXX are in clear violation of this requirement. 15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that Transunion and XXXX are failing to uphold these standards. Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately. This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.
Product: Credit card or prepaid card

we went into wells Fargo to close all of our accounts due to there practices we successfully closed all of the accounts or thought we did the bank and there credit card department even told us they were all closed and the amount 's we had to pay to close all of them. we paid the exact amount they gave us on XX/XX/XXXX at a local branch and via phone with credit card department at the local branch. we even ask if all of out accounts were closed and the card was cancelled and we were told yes. today XX/XX/XXXX we received a notice from them telling us that there is an outstanding balance of XXXX so I call the bank. to find out how we could have a balance outstanding when we took extra effort to insure that all moneys owe was paid on XX/XX/XXXX.. they inform us that they did not inform us of a pending transaction that hit the account the exact same day we closed the account an we still owe XXXX for a transaction that took place after the card was closed. I ask for specific 's of day and time this transaction took place all they could tell me was it took place on the XX/XX/XXXX some time after we closed the accounts
Product: Money transfer, virtual currency, or money service

Have tried to connect the XXXX XXXX  app to my PNC account and there is an error that says that the bank won't allow the connection.
Product: Credit card or prepaid card

I have been a XXXX XXXX XXXX Credit Cardholder since XX/XX/XXXX. I applied for this low limit card ( {$500.00} ) because they advertised that using their card I would increase my credit. I used their card responsibly and during that time, I have never paid late or underpaid my card. I overpaid the card XXXX dollars in XX/XX/XXXX, and between XX/XX/XXXX and XX/XX/XXXX, I did not use the credit card. Still, on XX/XX/XXXX, I received an alert from XXXX XXXX that there was a derogatory mark on my credit history. 

I have not received any statements, e-mail, or phone calls from them. After I received the derogatory credit mark on my profile, I checked all statements online. I saw that in XX/XX/XXXX, the account XXXX dollars overpaid. Still, inexplicably without using the card in XXXX, I owed XXXX dollars and XXXX cents ( {$10.00} ), and XXXX XXXX reported me being 30 days past due for XXXX XXXX ( {$35.00} ). 

XXXX XXXX had the number of a bank account that I wasn't using, and it was not funded for months, they were attempting to withdraw the funds from that account without sending me statements. I asked them to remove the derogatory mark of my credit and still no response. 

They also claimed that I was enrolled in autopay but the account they were attempting to withdraw the funds was not being used and not funded for several months, they blamed me claiming that I did not remove the account from their profile.
Product: Debt collection

On XX/XX/2022, Pioneer Credit Recovery of XXXX, NY identified an alleged debt, which I do not owe. 

On XX/XX/2022, I wrote a dispute letter to Pioneer, requesting that they stop communication with me, record my dispute, and provide verification of the debt if they believe otherwise. 

Pioneer has not responded with verification, but has attempted to collect the debt since then by phone ( XX/XX/2022 ) and mail ( XX/XX/2022 ).
Product: Credit reporting or other personal consumer reports

2 late payments have showed up on my credit report that are not accurate at all. I have spoken with the creditor and they said they never submitted this information to the bureaus so they do not know why its saying that. Please help me remove my late payments so I can buy a home for my family. I have sent multiple certified letters to you guys on getting this removed please remove the following late payments ( XXXX XXXX XXXX XXXX ) Late payment ( XX/XX/XXXX  ) & also ( XX/XX/XXXX  )
Product: Money transfer, virtual currency, or money service

Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations