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

I am writing to express my deep concern and frustration regarding an error with my credit card report. All XXXX  major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had realized I had several unauthorized charges on my account from XXXX play. I immediately notified moneylion/roar money as specified per the terms of the account. I was given a provisional credit for all of the charges for the charges. A couple of weeks later I check my account and realized, the provisional credit they had given, was reversed and deducted from my account. This is the second time that the company has done this. I have just recently learned that I was suppose to have been notified of the findings and given an opportunity to request documents used to make their decision. I have not received any notice or any insight as to their findings. The first time this happened I though it was a problem with my email, until I had them send me an email while on the phone, and that went through. I have checked all online areas within account and have zero notices or documents available pertaining to either decisions. I was never notified that the account would be deducted said amounts of the charges either. I have reached out and asked and it's walking in circles and all I get told is that their decision is final. In the previous attempt, I was told they would send the information again, I still never recieved.
Product: Credit reporting

I am filing my complaint because Equifax refuses to stand by their rules and standards as a company. I disputed an item on my credit XX/XX/2016. It is now XX/XX/2016 and the item still reads that it is under investigation on my credit report. Equifax refuses to delete this item after 4 months. Please resolve this matter as soon as possible. Thank you.
Product: Vehicle loan or lease

My husband and I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, in XX/XX/XXXX. We were financed by Santander Consumer, USA. We recently went to a car dealership ( XX/XX/XXXX ), hoping to either refinance our vehicle or be placed in another vehicle because we were making steps to clear up our credit. The manager from the car dealership ( XXXX XXXX XXXX ) came out to speak to us, which I thought was strange. He stated how out of all the years selling cars, he had never seen anything like what he was seeing with our loan from Santander. Our payoff amount is {$22000.00}. We purchased the vehicle ( 3 1/2 years ago ) in which our loan was approx {$23000.00}. Unbeknownst to us the 39 payments that we made from the beginning of the loan, approx {$18000.00}, went solely to interest and only less than {$500.00} went towards the principle of the loan. We spoke with a manager from Santander, XXXX XXXX ( ID # XXXX ) who told us that our contract has a simple interest rate loan, where we pay an enormous amount of interest each day our loan is late. Yes, we have been late in the past. However, within the last 12 months, we worked consistently on our payment, making sure nothing hit our credit. We were never late past the 30 days. We feel like we have been XXXX, manipulated. Yes, we might have been ignorant in going into this contract with Santander. Having a loan for almost 4 years, yes late many times, yes we put some payments towards the end of the loan, BUT $ XXXX WOW!! That's a lot of money, especially when 82 % percent of the payment goes to interest, leaving only {$160.00} going towards principle. Very upsetting and frustrating especially when we are at the verge of getting approved for a loan for our house and the only hardship is now that of this vehicle. Is there anything that can be done? Please help and/or assist us regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion responded to consumer 's most recent dispute regarding inaccuracies reporting on consumer report. Transunion must report accurate information according to the Fair Credit Reporting Act. The inquiries, adverse accounts, and fraudulent collections accounts need to be removed immediately. Transunion responded that the information was verified and the FTC Fraud report was not valid. Consumer is now requesting that Transunion provide documentation used to determine inquiries were authorized by the consumer. Transunion has 10 days to provide consumer with the name of individual that verified the information, documentation that was used in the verification process, signed application containing wet signature and please note consumer is NOT ASKING FOR E-Oscar report. Consumer is requesting a copy of the Consumer File, Not Report. Failure to provide the mentioned documentation Transunion must delete the information/accounts immediately. Transunion is liable under the Security Exchange Commission to follow certain rules due to the fact that they are securitizing the data on the credit report. If this credit reporting issue is not resolved in good faith and promptly I will be filing an IRS form 211 omb to audit consumers account. Transunion commission file XXXX XXXXXXXX TRANSUNION INTERMEDIATE HOLDINGS, INC. ( f/k/a TRANSUNION XXXX ), a Delaware XXXX XXXX Holdings ), TRANS UNION LLC XXXX a XXXX limited liability company ( the Borrower ), the Guarantors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors,  collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Product: Credit card or prepaid card

Consumer Financial Protection Bureau XXXX XXXX. No. XXXX XXXX Please reference the number above. This complaint is not resolved. The approved police number with Sac. Sheriff is XXXX. 

See attached statement I received. It does not list the transactions for the {$67.00}. Again, I did not apply for a XXXX, XXXX, and XXXX XXXX card. I never activated it. I never used it. When I called Comenity Bank, they were unprofessional and honestly a bit flustered. They said the card was used at XXXX 's XXXX Supplies and XXXX XXXX XXXX gas ). I have only been to XXXX 's XXXX  XXXX  ONE TIME and I used a different card there! I should not have to pay this balance! 

When the card arrived, I called Comenity Bank to report the fraud. I made a police report. I contacted the Attorney General who advised me to do CFPB complaint. 

This needs to be reopened for an investigation, it's ridiculous! This affects my credit score!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I am getting consistent phone calls for the past year or so from a debt collection company from XXXX XXXX, Texas and I live in XXXX They do not say my name what it is regarding. But they constantly call me. And when I try to call him back on only the phone number listed ( not given to me ; whichbdies not match ) I get no response and just today they hung up on me.
Product: Debt collection

I wanted to verify my account and I asked them to send me a debt verification letter with my signature and my purchase contract from the creditor, but they are unable to provide it. They send me my bank statement, but that did not have my signature or anything Im not sure what kind of document they have, but I asked them repeatedly couple of emails. They never replied back. Its been almost a month. I asked them they are threatening me to take to court and to sue me. I told them you can take me to court once you provide me that that valuation letter with my signature and my original contract, but they refuse to provide those and did not reply back and told me my case is on track for paralegal.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in theCFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/23 a charge was made on Walmart.com for {$310.00} using my Capital One credit card. The items were delivered to my house the same day. I was out of town for the day so the XXXX items sat on my porch until returned. After receiving an email stating the items were delivered I began alarmed and called both Capital One and Walmart the afternoon of XX/XX/23. I immediately called Capital one to report fraud and they closed the account, issued me a new card and started the fraud process. I also called Walmart to notify them of the unauthorized purchase. They told me to keep the items even though I offered to return them to my local store. They said since the items where ordered through Walmart.com the local store would not take them back. Outside of the few items that would need refrigeration the remaining items remain in my garage. 
On XX/XX/23 I noticed I had a bill due on my new Capital One Walmart card for the same dollar amount. I called Capital One and was told that after investigation the items were deemed accurate because they were delivered to my address ( which I have not disputed, the items were dlvd ). I DID NOT PLACE THIS ORDER. 
Capital One is refusing to assist me and remove the unauthorized charge. I offered to file a police report or sign fraud documentation. They do not care and now I am on the hook for {$310.00} of product that I would never use and again did not order.
Product: Debt collection

Hello, My husband received an email on XXXX stating our house is under Foreclosure and the sale date is XX/XX/year> where sheriff 's department will come and knock on the door as asked us to vacate the property before then. I emailed our mortgage loan company on XXXX asking if this was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report the company Experian.com they ask me to create an account which i did and closed out XXXX credit card even paid off my car loan witXXXX XXXX XXXX  XXXX, and yet the Experian-credit boost service lowered my XXXX score by XXXX making it XXXX,, I did NOT see no possitive results by creating an experian account and eliminate few of my credit cards... I am disgusted at experian services they dont work ... to me its all a crock of fake reporting... thank you XXXX XXXX you may contact me at email XXXX XXXX
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Actually both XXXX and XXXX has removed them from their database due to several inaccuracies with this account, and yet I'm still waiting for XXXX to remove it. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

For the second time within one month, someone was able to open a banking account under my name in Bank of America. The bank has done nothing to stop people from fraudulently opening accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX   partial account number XXXX. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 )  day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to formally express my concerns about Zelle 's approach to handling disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which has brought to light significant shortcomings within the platform.

Despite my repeated attempts to resolve discrepancies through Zelle, I have found that both my financial institution and Zelle have not adequately investigated my claims. I was informed that recovering lost funds was not possible and that tracking the transactions in question was unfeasible. 

The findings from the CFPBs investigation suggest that Zelle has not only failed to protect its customers but has also allowed repeat offenders to take advantage of the system, thereby putting users at risk of scams. This lack of accountability and transparency is concerning and raises serious questions about the safety and security of customers using the platform.
Product: Bank account or service

Case number : XXXX I do not have any response to this case from the Chase Bank, they are ignoring me! 
I demand from them full refund for all stolen money from my accounts, plus the new robbery, plus XXXX % fee. 
If I will receive my money back, or not I will write complaint to the F.B. I. and ask them for Initiation of investigation regarding this crime. 

Employees in any bank are doing mistakes, doing problems to custumers and no one is responsibile for that and are not punished. 
One of problems which they did for me XX/XX/2014. 
I wanted to change my company name. Lady in XXXX Chase bank copied my documents and said, that I will receive new banking card with new business name for about one week. I received new card, however still was old company name on the card. 
I drove to the bank and the lady called to the people. She said, that new card I will receive within about one week. 

I received new card, but again, still was old business name on the card. She again called to the people and complained this problem. 
After about week I received new card, but this time was the new business name. 

Yes, three times I traveled to Chase bank regarding this easy thing. Will pay me bank for lost time and nerves? I heard sorry, bot who can buy something for a sorry?
Product: Checking or savings account

I am a US citizen, living in XXXX for the last few years. I have a credit card account with Chase Manhattan bank since XXXX. I use it occasionally and pay it off by logging into my the online account. It helps maintain my credit score as I plan to move back to the US.

THE ISSUE : Three weeks ago ( mid XX/XX/XXXX ) I tried to log into my account on my laptop and I got a message saying that they do not recognize the device. It then said they would send a code to my phone number that I have on file for my account. I never received a code. Over the next week I tried again and had the same problem. In the past I have never been sent a code to log in, so I think this is a new security feature. My concern is that being locked out of my account means I cant pay it off, so interest charges will rise and it will ruin my credit. 

EFFORTS TO RESOLVE IT : I have made 3 unsuccessful attempts to get access to my account.

1 ). I called Chases online technical support number for those outside the US ( XXXX ) on XX/XX/XXXX. Customer service told me that because my number was an international number, the code was not going through. The system expects a US number. However, for customer service to verify who I was, they needed to send a code to my number on file, but again they could only send codes to US numbers. She said she could give me a code over the phone but still need to verify I was the account owner. For verification, I was then transferred to the to the credit card department. He said he could not verify me, and transferred me to the fraud department. With the fraud representative I answered the question on my mother maiden name, but before I had an opportunity to answer the next question, the phone line was cut off.

2 ). I called the same technical support number the following day ( XX/XX/XXXX ). The customer service representative put me on hold for 30 minutes before I could speak with a supervisor. He said I had two options, 1 ) we could call the branch where I opened the account and see if they could verify who I was and 2 ) I could set up a meeting with a chase representative online. He transferred me to the XXXX XXXX branch and the message said all operators were busy and call back at another time. Then I was cut off. 

3 ). I then went online and set up a meeting with a Chase banker for XXXX ( XXXX XXXX ) XX/XX/XXXX. I gave my email address and a phone number and was told that I would be meeting with XXXX XXXX. At XXXX I waited for the call, but never received one.