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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting or other personal consumer reports

A while ago i lost my social security card, i got a copy a while after, now i am being credited on my credit report for a {$4700.00} student loan when i have not applied for a student loan nor do i even attend school, i tried going on the NelNet website and tried to log in then it is saying that they need XXXX Factor Authentication when i have no info for the XXXX website nor do i have a NelNet account nor do i have an active student loan. i have tried contacting the company NelNet but they do not have a customer service email, they also do not have any operator on the phone line to speak with and i have called 3 days already and nothing, i was also on the phone with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally submitting a follow up complaint regarding the fraudulent items currently affecting my credit reports. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my right to accurate and timely credit information, and I insist on the preservation of these rights. The ongoing presence of these fraudulent items on my credit reports is unacceptable, and their immediate removal is imperative. I hereby request the swift removal of the following inquiries from my credit report without further delay : 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 I must emphasize that under the FCRA, credit bureaus are obliged to investigate and respond to consumer disputes within 30 days. Accordingly, I demand written confirmation of the removal of the fraudulent items from my credit file within XXXX business days. Failure to address this matter promptly will compel me to pursue legal action against your organization.
Product: Debt collection

The collection agency has refused to supply me with the requested documentary evidence bearing my signature that I have some contractual obligation to pay them. In the absence of any such evidence, I must assume that this is not a valid obligation. Express Recovery Services has damaged my credit by reporting this unsubstantiated obligation to the XXXX major credit bureaus. I want this erroneous information deleted from my credit reports. Furthermore, Utah Code states that the statute of limitations for an open ended account is four years. A debt collector no longer has a right to sue for payment once a debt ages past the statute of limitations. This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am failing 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 stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.A as highlighted in the CFPBs resent administration preceding. 

Some accounts are listed below : 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 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 card

A purchase of {$510.00} was attempted XX/XX/2024 on a XXXX authorized user card distributed by Capital One that had been locked for several months. On XX/XX/XXXX I received XXXX emails and texts that a XXXX charge was declined due to the card being locked from any purchases. The charge then was made XX/XX/XXXX which stated pending then posted XX/XX/XXXX. I called Capital One asked how the charge went through. I was told on the phone by Capital One that a glitch could have allowed it. I was told by another person that someone unlocked the card long enough to put the purchase through. I was told by another that locking a card is not fail safe though there is nothing in terms of service or documentation that states this. I opened a fraud claim with Capital One which came back denied though I believe the charge should never have been allowed.
Product: Credit reporting

Equifax agree on XXXX/XXXX/2014 to remove the account from XXXX XXXX XXXX and Simply XXXX. However when I checked my credit report last week this was still on my credit report as a collection. I have attached the case XXXX where they clearly stated this account would be removed.
Product: Credit reporting or other personal consumer reports

I have a collection account on my XXXX and XXXX reports that does not belong to me. I disputed the the item and both companies replied that the account was valid and belonged to me. I then sent a letter to both XXXX and XXXX invoking the Fair Credit Reporting Act Section 611 requesting : The date you contacted the creditor The contact information for the creditor The name of the person who verified the item to you The method of communication you used to verify this information Did the creditor provide you with my SSN, address, and Date of Birth? 

I still have not received this information nor has it been removed from my credit.
Product: Checking or savings account

I had two large dispute one for {$600.00} and another for {$680.00} disputed because I had not authorized these transactions nor was I anywhere near the locations that the card was used I received a provisional credit but now they have reversed the money back and said these are accurate charges I have ask for any documentation proving that these are my charges and say it failed to provide me with any documentation but now my accounts it's extremely negative for I can not provide for my family because this amount has taken any funds that I had available. I asked to please extend out taking the money 1 week so that it does not take every cent I have since my money is direct deposited to this account. the declined to giving me any more time and any further documentation
Product: Credit reporting or other personal consumer reports

DISPUTING INQUIRIES ON TRANSUNION CREDIT REPORT 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 or other personal consumer reports

I am a victim of identity theft caused by the XXXX Data Breach. My personal information was found on the dark web, and I now have fraudulent accounts, names, addresses, and inquiries on my credit report that do not belong to me. 

Despite providing proof of identity theft through my FTC Identity Theft Report, Experian has failed to remove fraudulent information and has not provided the legally required Method of Verification ( MOV ) for these accounts. 

This letter serves as a final legal notice to Experian regarding its ongoing violations of the Fair Credit Reporting Act ( FCRA ) and demand for immediate correction of my credit report. 

VIOLATION # 1 FAILURE TO BLOCK FRAUDULENT INFORMATION ( 15 U.S. Code 1681c-2 ) Under 15 U.S.C. 1681c-2, Experian must block fraudulent information within four ( 4 ) business days after receiving a valid identity theft report. 
Experian has failed to comply with this law by continuing to report fraudulent accounts and inquiries despite my FTC Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collector IC Systems re-aged an account and added it to my credit report on XXXX XXXX, 2021. The account is being reported as 2 months old when in fact it was previously reported by IC systems, then removed from my report.
Product: Credit card

Summary Issue : Long-time American Express XXXX XXXX ( 25 years ) faced an increased annual fee of {$690.00} in XXXX. Upon noticing the charge, the user called to reduce the fee or cancel the card. Misled by the agent, they switched to a XXXX  XXXX  incurring an additional {$95.00} fee without being informed of the 30-day cancellation policy for a refund. 

Attempts to Resolve : Multiple calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) were made to American Express seeking a prorated refund for the XXXX  XXXX  fee. The user experienced poor customer service, with calls dropped and no resolution provided. The companys conduct is viewed as a potential criminal conspiracy to defraud customers. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Letter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally lodge a complaint against American Express regarding an unresolved issue with my XXXX  XXXX  fees and subsequent poor customer service.

I have been an American Express card member for 25 years, and most recently using a Platinum American Express card. In 2023, I noticed a significant fee increase, reaching {$690.00}, the highest I have ever been charged. Unfortunately, I did not notice this charge immediately and only saw it a month or two later. 

On XX/XX/XXXX, I called American Express to request a fee reduction or to cancel the card. During the call, the agent suggested options and during the call it seemed based on the conversation with him that it would be most beneficial for me to switch to a XXXX XXXX  and I did, I applied online and got instant approval and was charged an additional {$95.00} fee. At no point did the agent inform me that I had only 30 days after the renewal date to cancel the XXXX XXXX  and receive a refund. This critical term was never disclosed to me, which is the crux of my complaint. 

Despite being a loyal member for 25 years, I was unaware of this updated term as I did not scrutinize the fine print. I made multiple calls to American Express ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to seek a prorated refund for the XXXX XXXX  fee. The customer service has been abysmal, with calls dropped and no resolution provided. The companys behavior suggests a deliberate attempt to defraud customers by pushing them to open more cards and pay additional fees without proper refund processes for canceled cards. 

My attempts to resolve this matter have been in vain, and I feel defrauded by American Express. The case number associated with this issue is XXXX. I urge the Consumer Protection Bureau to investigate this matter, review the recorded calls, and impose penalties on American Express. Additionally, I seek compensation for the significant time and effort I have spent attempting to resolve this issue. 

I trust the Consumer Protection Bureau will take the necessary actions to address this issue promptly. Thank you for your attention to this matter. 

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

I contracted XXXX at the end of XXXX due to an outbreak that occurred in my office. Contracting XXXX at the time led to me having a severe adverse reaction due to a pre existing medical condition with my XXXX making it next to XXXX XXXX XXXX. This led me to having to be XXXX for several months after. 

This entire situation led for me to be without work From XX/XX/XXXX to XX/XX/XXXX and I am just now able to get back on my feet to work on making payments towards my loan. I am seeking accommodation to have the late payments being reported for the account under my name to be updated as current for Months XX/XX/XXXX to XX/XX/XXXX on all 3 bureaus because I had XXXX  ability to be able to keep up with the payments due to being severely impacted during the ongoing COVID-19 pandemic. 

I appreciate your help in this matter.
Product: Debt collection

My name is XXXX XXXX, and I am submitting this complaint personally, with no third-party involvement. I have attached letters that provide more detailed information about what is being reported on my credit report. I have never had a contractual relationship with AMSHER COLL, and I believe the original creditor, XXXX XXXX sold my account without proper notification. This is a clear violation of FCRA Section 611, which governs the reporting of inaccurate information on credit reports. I request that this account be deleted immediately, as it is being reported inaccurately.
Product: Credit card or prepaid card

Chase closed my credit cards on XX/XX/XXXX, and I was told that I can transfer my Ultimate Rewards Points to a partner program. I tried to transfer all my points ( XXXX ) to my XXXX account ( account # : XXXX ) online, but, I received an error message. 
Then I tried to transfer my points via a Chase secure message, but an agent responded that he couldn't because my account was closed on XX/XX/XXXX, which is completely incorrect as my accounts were closed on XX/XX/XXXX ( as on the letter saying my accounts were closed ). 

Please correct this issue and transfer all my UR points ( XXXX ) to my XXXX account ( account # : XXXX ) as soon as possible. 

In addition, I wish my accounts were not closed. I have enough liquidity to maintain my accounts solvent all the time, and I have never been delinquent. If possible, please reinstate my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # has violated my rights. 

XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 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: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-UnfaiXXXX practices Under 15 U.S code XXXX civil liability
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  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 XXXXXXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Nelnet purchased my loan from Great Lakes. When covid hit, i opted to continue making my scheduled payments as i was not impacted by the pandemic in a negative manner that others were. However they chose to not charge me interest. When it got sold to Nelnet, i am now seeing capitalized interest from what i presume is the covid forbearance period. I feel it is deceitful and unfair to charge this when i was given no other option, especially at such high rates. I emailed nelnet when the transferred occurred, but never recieved a response that i was able to find. I am requesting the removal of the capitalized interest as i never entered into an agreement for this.
Product: Checking or savings account

Date XX/XX/2021 the transaction amount {$8800.00}, we have XXXX account in Bank of America, it is non profitable account .so Bank of America they payed off {$8800.00} for some one, when we contacted with them about this case, they said just we investing .So they didnt make any decision by these case .please we need help from CFPB .Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXXhas 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: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX is not associated with me and should be removed from the credit report ). 

I've never resided nor have I been associated with the address as shown on the report of XXXX XXXX XXXX, XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX ( this should be removed from the credit reports ). 

I've been associated with telephone number XXXX only ( all other numbers shown on the credit report should be removed ). 

I habe tons of credit report inquiries on my credit reports that I did not request ( these accounts should be removed )
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I am Chase bank customer I had my Younger brother in XXXX last year I made a wire transfer to him for his college fees that was from the bank which he received. this year I made a wire transfer from my phone it was made to an investment account which was under his name but that account was no longer in use so I have transferred my money to that account but it is it was not received to him now my bank is trying to recall the money but the recipient bank in XXXX they said they didnt receive the money so I am curious where the money went I would like to have my money back in my account so I can transfer again to my younger brother. I have already tried to contact my bank they say they are processing, Its been XXXX  days now but I am getting out of time and I really need to give my money to my brother.
Product: Credit reporting, credit repair services, or other personal consumer reports

i DID NOT AUTHORIZE THIS INQUIRY. The site says it will giveme an aswer in minutes which they did do. But they said it would be a soft inquiry. They instead did a hard inquiry making my score go down.
Product: Credit card or prepaid card

On XX/XX/XXXX after my mother died I called Capital one and canceled my mothers card. I was contacted by my father who is XXXX and was told that he can't reorder his drugs or buy food since his card was also canceled I spoke with multiple reps and supervisors and they refused to reinstate or send a card without a 10 day investigation. They even claim it was canceled by the automated system which is not true. I called and they didn't ask for a death certificate but only for her card number which is different. She was not the main holder and almost everyone agreed his card should not have been canceled. I spoke with supervisor XXXX and XXXX agent # XXXX. I have e-mailed corporate and everyone refuses to help. My dad is very frail after my Mom 's recent death and twice they called him on the phone and got authorization for me to speak but didn't even note it. 

I have spent hours on the phone and no one will help. Even contacting corporate was no help. They say they have no other process to help. My father nor I needed this type of uncaring company response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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. They have informed me that recovering lost funds is impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle was not only neglected to protect consumers but also allowed to 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 or other personal consumer reports

On XX/XX/XXXX, XXXX generated report number XXXX. XXXX XXXX allegedly updated and verified the account in question. However, after review, it has come to my attention that the payment history and account status are still inaccurately and incompletely reported. XXXX must correct these inaccuracies immediately, as their incoherent reinvestigation findings were willfully reported to XXXX.