23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been denied opening a bank account due to incorrect information that Certegy continues to send to Chex systems and other check writing agencies. The following banks have refused to open an account in my name. Bank of the XXXX, XXXX XXXX, XXXX XXXX due to the inaccurate information they continue to send. I have contacted them and they have refused to clean up their error. I have also not been able to cash checks at XXXX due to this error.
Product: Credit reporting or other personal consumer reports

I received my XXXX XXXX  report and Citizens bank has violated my privacy rights by reporting personal transactions to my XXXX XXXX report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and XXXX XXXX XXXX is not a part of citizens bank. I counted 28 transactions reported and that's 28 violations that I ' am seeking damages. My account # XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I paid XXXX department store with a convenient check for a balance transfer in the amount of {$750.00} from XXXX ( Barclays Bank ). 
In XXXX the check posted to my account, I completely forgot I had written the check two months prior. I contacted XXXX to report the the transaction. The fraud department reverse both checks, it was reversed out of XXXX. Then credited to my XXXX account on XX/XX/XXXX. Then, I received a letter from XXXX indicating the check was written by me. Therefore 750.00 was put back to my XXXX account, but never credited to XXXX. 
I have made several attempts to have this matter resolved, each time I speak to management im told they will take care of it as soon as possible. after 15 months with no resolution I need some help. Please Advise.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against XXXX for their failure to properly verify account ownership, resulting in the opening of fraudulent accounts using my personal information. This has caused significant financial harm and damage to my credit report. 

Details of the Complaint : XXXX. Fraudulent Activity : A fraudulent account was opened with XXXX using my personal information under the name XXXX XXXX XXXX, which is not my legal name. My legal name is XXXX XXXX. 
I have never authorized or initiated any accounts or activity with XXXX. 
XXXX. Identity Theft : I am a victim of identity theft, as documented in my FTC Identity Theft Report and XXXX Complaint. 
XXXX has failed to investigate or resolve this issue despite clear evidence of unauthorized account activity. 
XXXX. Impact on My Credit : This fraudulent account has negatively impacted my credit report, causing significant distress and financial harm. 
XXXX  lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires creditors to investigate disputes and ensure accurate reporting. 

Desired Resolution : I request the CFPB to compel XXXX to : XXXX. Investigate and Remove the Fraudulent Account : Immediately investigate and remove all accounts and activity associated with my identity without authorization. 
XXXX. Provide Documentation of Account Activity : XXXX should provide evidence of how and when the account was opened, including the identification used. 
XXXX. Confirm Resolution in Writing : XXXX must confirm in writing that the fraudulent account has been removed and that I am not liable for any associated charges or obligations. 
XXXX. Prevent Future Identity Theft : XXXX should implement stronger identity verification processes to prevent similar issues in the future. 

Supporting Documents : To support my claim, I am prepared to provide the following : FTC Identity Theft Report XXXX Complaint Report Copy of my government-issued ID confirming my legal name is XXXX XXXX XXXX XXXX XXXX  failure to act on clear evidence of identity theft and fraudulent activity has caused undue stress and harm. I trust the CFPB will ensure XXXX fulfills its obligations under the law and resolves this matter promptly. 

Please contact me at XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

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

XXXX {$11000.00} XXXX XXXX XXXXXXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JPMorgan Chase Bank regarding their refusal to refund fraudulent charges made to my credit card. I am deeply concerned about the lack of assistance and cooperation I have received from the bank, and I am seeking your intervention to resolve this matter promptly. 

On XX/XX/XXXX, I discovered several unauthorized transactions totaling {$1600.00} on my Chase credit. I promptly reported the matter. In response, Chase 's customer service initially issued a refund. However, this resolution took a sudden turn on XX/XX/XXXX, when the refund was unexpectedly revoked. Despite my inquiries with customer service, no explanation was provided for the withdrawal of funds from my account. 

The abrupt reversal of the refund has been perplexing and concerning. 

My efforts to resolve this situation through Chase 's internal dispute resolution mechanisms have yielded no satisfactory outcome. These fraudulent charges have taken a toll on my financial stability. I firmly believe that I am entitled to a complete refund in accordance with both federal regulations and Chase 's internal policies. 

In light of these developments, I am seeking the assistance of the Consumer Financial Protection Bureau to mediate this dispute. 

I am earnestly requesting a comprehensive investigation into this matter. Your involvement is paramount to rectifying this issue and ensuring the reinstatement of the {$1600.00} refund for the unauthorized charges on my credit card. I am optimistic that your intervention will result in a just and expeditious resolution. I value your attention to this case and anticipate a swift response. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to First Invst/SVC XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to First Invst/SVC FIRST. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still on my credit report.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  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 my 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 in 60 days 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.

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


I have requested proof that this 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 8
Product: Debt collection

Collection Agencies Account Receivable Solution and XXXX XXXX XXXX, Respectively under XXXX XXXX XXXX XXXX / XXXX. There are XXXX accounts the first list now as ARS for first mentioned company of the total for XXXX and the other XXXX are with XXXX for second company mentioned for amounts XXXX & XXXX. Both companies are XXXX XXXX XXXX XXXX. Who which when I first was seen for XXXX, I had medical insurance through my state of California. I gave the Hospital my insurance information at time of services, and nurse came back to my spouse 6 times, discussing how she was going to put the insurance in the system. We were assured that the insurance was on file. The Hospital has yet to send me a bill in the mail and the same goes for the collection agencies for the debt which should of never been handled in such a manor. On XXXX/XXXX/2016 when I found out about all of the debts I spoke with the CFO of XXXX XXXX XXXX XXXX, XXXX XXXX. She verified my insurance information in the system and what I had sent her from the state of California for the tax year sheet given for tax purposes. Thus far XXXX XXXX has yet to return a call and I have left numerous voicemail 's to get this handled properly. Subsequently since my phone conversation with her in which my spouse had to take over since she was being extremely aggressive towards me, every time I speak with a rep after our only phone call now there is no information of my prior insurance on file. Secondly, the XXXX collections agency have never sent any correspondence to me at my mailing address in their systems. They have however pulled addresses from my credit report and have sent mail to those addresses, which is an unauthorized since my current and permanent address is on file. Thirdly, the hospital has stated that this collections was for a individual pay which is not what I was told in the beginning of my journey to rectify this misconduct. For what I am seeing in my search for a resolution I am seeing that this hospital has no concept of medical coding when it comes to stuff they are not used to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Prepaid card

Bought a Vanilla Gift Card {$500.00} at the beginning of XX/XX/XXXX. It was a gift to my daughter for xmas XX/XX/XXXX. XXXX XXXX, my daughter opens her card packaging and attempts to register/use the card for an online purchase. The balance of the card read {$0.00}. The card was drained 2 weeks earlier at a food store on the other side of the continent. 

Filed a police report. Filed a complaint with VanillaGift. We've had a case number # XXXX for months. The resolution date was XXXX XXXX after XX/XX/XXXX we started calling their XXXX call center.. week after week they kept telling us 2 days the card will be reactivated.. 4 days the card will be reactivated.. 3 days the card will be reactivated. Meanwhile time is ticking away. They're buying time. 

Today XX/XX/XXXX, I check the case on the website it now says Resolution date XX/XX/XXXX ... another 4 months! 

I am 'now " aware of the widespread scam of draining these particular 'vanilla gift ' cards due to their lax security features. And I am aware 'Vanilla Gift ' has fought lawsuits to refuse to fix their issues. And I am aware 'Vanilla Gift ' is reknown for not reimbursing customers who have been victimized by their poor security measures. 

{$500.00}! That is alot of money to me and my daughter.. XXXX ruined.. and runaround from this horrendous company selling known defective products and refusing to fix or reimburse their own failures... sickening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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: Debt collection

On XX/XX/2021, I sent in a written cease and desist notice to XXXX XXXX XXXX XXXX. It was received on XXXX XXXX according to certified tracking number XXXX XXXX XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX ( XXXX ) once received in writing by the consumer, all forms of communication with me through ANY and ALL mediums should stop, UNLESS it pertains to my remedy in writing via mail. 

XXXX XXXX XXXX XXXX violated my consumer rights pursuant to XXXX XXXX XXXX ( c ), I received an email today XX/XX/2021 at approximately 4:43pm. This is a form of communication through the medium of an E-MAIL. They sent an email regarding a " billing statement ''. XXXX XXXX XXXX failed to comply with federal law. 

XXXX XXXX XXXX XXXX did not comply with federal law, and is now civilly and criminally liable for willful noncompliance. 

Pursuant to XXXX XXXX XXXX Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Payday loan, title loan, or personal loan

I used Affirm when checking out on a online purchase on XXXX. XXXX mislead me on the product I was purchasing with stock photos. Once i pucrchsse the item I recieved a reciept with a totally different, worn, dirty and abused bag. I immediately contacted the seller who refused to cancel order and told me to resale it on poshmark. I contact XXXX  was told I have no order under my accpunt. I sent them return recipt and no more respinses. I contact affirm. Sent them all pictures of what i purchased. My communication with seller and XXXX  And i sent them a copy of their misrepresentation policy. To no avail. I received a com0uter generated response telling me that i must contact seller. I called them and was told that they dont enterviene with purchasrs. If it's misrepresented. There is nothing they can do. When their website states differently. They do not pay the company untip item is shipped and recieved. They could have contacted the seller and cancel transaction since tge otem has yet to be shipped. They are hel0ing scam companies make revenue off unsuspecting customers that impact ones personal credit if refusrd to pay. They lead you to believe ypu have protection with their company when there is none. They should not be alowed to impact the publics credit wit absolutely zero protection or liability
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


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

I have had a collection account added to my credit report again for an account that was paid in full for XXXX XXXX. The collection agency is waypoint resource group. The account was paid in full and all equipment was returned and I have verified this with XXXX XXXX in the past. It is unfair that they continue to attempt to collect a debt that is not owed, and extremely unfair and unethical that they continue damaging my credit. The assumed debt owed is for {$310.00} and was opened as a collection again on XX/XX/2021. I have disputed this account yet it comes back verified which is totally false.
Product: Mortgage

United Mortgage Company shared private financial information such as IRS Form XXXX & employer XXXX forms with persons not employed by United Mortgage and through unsecured email servers in violation of the provisions of the GLB Act. When contacted regarding this incident, they defended the practice which indicates it was not an isolated instance.
Product: Credit reporting

Equifax is reporting a judgment on my credit file that does not belong to me! I disputed this erroneous public record over 90 days ago and have yet to get a response from them. I called the court and they have confirmed that this judgment is not mine.