23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My husband and I traveled to XXXX over XXXX and XXXX Years. Of XXXX and early XXXX. On XX/XX/XXXX we went on a XXXX rental from XXXX XXXX XXXX, the the ocean was so rough my husband and I both got sick, and two crew members. Also while we were on the ocean, one of the engines blew, and we were down to only one so the captain insisted that he gave us a refund. The captain also had a difficult time parking the boat with only one engine and I have a video to prove that. I also told the bank that. I accepted and the refund was supposed to be for the full amount of {$1700.00}. That charge still has not come off my account. I also had two more charges on XX/XX/XXXX, one for {$250.00} and one for {$500.00} from XXXX XXXX XXXX XXXX. I had purchased a couple of cheap magnets for our son that has XXXX, and instead of them charging me in XXXX they charged me in dollars!! I got ripped off pretty bad in XXXX. I have tried to contact both merchants, and neither one have been cooperative. So I faxed my bank a letter to dispute all three charges. They confirmed that on XX/XX/XXXX they received my notification of possible incorrect debit card transactions on my bank of the west account. On XX/XX/XXXX I received a letter from them from XX/XX/XXXX saying that they had completed the investigation of my case. Bank of the West denied it, said that merchants are independent from us and they bank is not responsible for them for misrepresentations made by merchants from which I choose to purchase goods and services with my card. This is ridiculous when I cant even directly speak with the merchants. These are fraudulent charges, that I did not make and also one that should be refunded because of the horrible experience that we received and we were told we would be receiving a refund. I feel like I have been scammed by Bank of the West also. I have been saving for years to go on this trip. Also having a son that has XXXX and is nonverbal, it was a vacation my husband and I really needed and then to come home and see bank fraud is disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous companies claiming to be sept of education have charged me over the yrs for a student loan that has been wrongful as I have disputed numerous times being defaulted on my loan while in school and kicked out then school closed as well as to other students... 
also have fradulent claims on my credit report that I continue to dispute and nothing gets done
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My problem is with Experian. They continue to show me in collections for a XXXX $ medical bill that was paid in full by insurance. The other credit bureaus have removed this mistake made by XXXX XXXX in XXXX XXXX. XXXX ) They also show a late payment for a vehicle that was paid in full. Payment was made to XXXX XXXX for over XXXX on a lease purchase. This was not an issue with other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is wrong on my Experian Credit Report. I've been attempted numerous times to get the information corrected with Experian. Experian has failed to give a reason for not changing the wrong information. 

Wrong or Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX I have never lived at these addresses and I believe these addresses were an attempt of fraudulent activities.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXX XXXX XXXX 15-day grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX XXXX  : It appears that XXXX XXXX  incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXX XXXX  showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX and began financing with XXXX XXXX. I refinanced the loan shortly after with Car Finance who was then acquired by XXXX XXXX XXXX XXXX c/o Flagship Credit Acceptance . 

Once I began to learn and discover the truth about consumer law I realized I was taken advantage of by XXXX XXXX XXXX XXXX XXXX XXXX 

I attempted to rescind my car contract with Flagship Credit Acceptance which in turn they reported the loan as charged off. They then proceeded to repossess the vehicle after I made SEVERAL attempts to communicate with them and even requested a payoff amount letter so I can handle the balance. They refused to send me the payoff letter. Not only were my rights violated, Flagship Credit Acceptance wrongfully repossessed my vehicle. XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX have been XXXX to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX recent hard inquiries on my credit report that I didn't make. 
They are : Inquiry details XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX ( Hotel and travel ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has consistently reported my mortgage balance information incorrectly. I want it to be corrected
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad XXXX due to this matter of the credit bureaus disrespecting my right to privacy. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Most of the things on my credit report are old, like XXXX XXXX  old, and being sailed to a third party, also, some of my reports are hard hits that need to be removed.
Product: Prepaid card

My card keeps getting declined when I make a purchase. You are unable to contact company because they won't accept calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never signed a contract to the account.
Product: Credit card or prepaid card

On XX/XX/2023, I report a transactions that I had not initiated, that is fraudulent charges. On XX/XX/XXXX, I received an email from Chase indicating that they have cancelled that credit card and initiated a fraud charge. Soon, I received a new card, chase credited back the fraud charges, and the account now stands at XXXX. However, for unknown reasons, Chase continue to intermittently to report this claim, and it's negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I wrote XXXX, XXXX and Transunion on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation
Product: Checking or savings account

I tried to sign up for the MoneyLion product three weeks ago and it has been plagued with time out errors since. First they said they couldn't verify my identity with XXXXXXXX  but nowhere did I ever receive a proper FCRA compliant request for an authorization to pull my report. This wasn't an outright denial it was weeks of yanking my chain until finally I pulled every report I could think of and found that they did a soft pull of data using XXXX XXXX and XXXX  which they are claiming is " public data. '' I don't want the account now. I want all my financial information removed from their system. You should go audit these folks thoroughly for XXXX, XXXX and XXXX violations : among the risk factors that were evident that I could see in the process : Reputational : Willing to lie to a customer and risk the charter of their partner bank ( XXXX XXXX Bank ) to avoid the fact their product has errors. 

Operational : When a clear breakdown is brought to their attention - the absence of a in flight review and override process to timely review and correct does not exist Compliance. The account opening process is automated and lacks adequate quality controls to ensure that an actor with sufficient technological skill couldn't inject into the process. Staff do not possess adequate financial background to converse with the diversity of the customer base to discern the difference between a risk and a process failure resulting in a unhappy customer. 

As a disabled person who is putting their life back from a series of events this an event that I did not need. I could see this actually being far worse if I were not a former bank risk management officer.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 13 credit inquiries that I did not authorize. Please remove them in the next 10 days as I did not give you permission to cause damages to my profile. This demand is and will be used for legal purposes as my consumer rights have been violated.
Product: Credit reporting or other personal consumer reports

Please promptly block and remove the unauthorized accounts from my credit report. I did not create or approve these accounts and am unfamiliar with their origins. In accordance with USC 1681g, I request their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late charges inaccurately reported on my credit reports with XXXX, XXXX, and TransUnion. Despite my previous disputes with them, these inaccuracies remain unresolved. Furthermore, the reporting appears to have been made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

Additionally, I was affected by the XXXX data breach in XXXX and my XXXX XXXX is XXXX. The breach compromised my personal information, and it is possible that these inaccuracies are a result of this unauthorized access. I also understand that there was a breach at the Consumer Financial Protection Bureau ( CFPB ), which further exposed my information and could contribute to the inaccuracies on my credit reports. 

Under the FCRA, I am entitled to have all inaccurate, incomplete, or unauthorized information removed from my credit report promptly. Furthermore, I request : Verification of the methods used to investigate and verify this incorrect reporting, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), within 30 days.

Disclosure of the original source of this incorrect information, including who provided the late reporting to XXXX, XXXX, and TransUnion. 

Immediate deletion of the inaccurate information from my credit reports. 

To date, I have not received any proof of the investigation methods or results from my prior disputes. This lack of response is a violation of my rights under the FCRA. 

Attached, I have included proof of my identity to support my dispute : Proof of identity ( e.g., drivers license, Social Security card ). 

Please consider this matter urgent. I expect your written response, as required by law, within the 30-day period allowed under the FCRA. If this issue is not resolved satisfactorily, I am prepared to escalate the matter to the Federal Trade Commission ( FTC ) or pursue other legal remedies available to me. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase while I was out of the country of XXXX XXXX XXXX XXXX XXXX the amount should have been XXXX dollars. When I Checked my bank account when I was back home I was charged XXXX. I disputed the amount to bank and explained that due to the currency exchange they over charged me and the bank denied my dispute of XXXX
Product: Payday loan, title loan, or personal loan

We had some critical repairs arise for our home and took out a home improvement loan with LightStream to cover the cost. After making the first payment, we noticed that the payment went 100 % to interest in 0 % to the principal. That feels like it shouldnt be legal. All of the interest on the loan is frontloaded, making it more difficult to pay off faster.
Product: Checking or savings account

I was scammed by a company called DHHS ( Department do health and human services ) This company supposedly help people in need of financial issue I was in contact with Agent XXXX XXXX XXXX I was asked about my information and send them my info I was advised that the grant I was supposed to get was free and non refundable. I paid all the fees I was told to pay : Delivery fee {$300.00} Processing fee and activation {$520.00} Custom fee {$750.00} Stamp fee {$370.00} At the end when I realized I was getting scammed they were asking me to pay IRS fee which was {$2000.00} and they said that they were in contact with the officer and lowered to {$500.00} but I refused to pay more money and advised me to pay just the {$300.00} and still I didnt pay it and they told me that the grant check was cancelled returned to management. I asked for my money back and told me that the money I paid was non refundable I called my bank and I was advised that they cant reversed it because they already took the money. 
I had told them that I borrowed the money so they can refund me the money but no no matter what I said try still refused to return my money I worked hard for.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with Wells Fargo and XXXX. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy. ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that Wells Fargo and XXXX operates as a financial institution within the interpretation of this statute, they, alongside the consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report XXXX be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or Wells Fargo and XXXX. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

Additionally, 15 U.S.C. 1681a ( 5 ) forbids consumer reporting agencies from disclosing adverse information older than seven years, further ensuring the protection of consumer rights to privacy. My complaint also highlights a failure in complying with 15 U.S.C. 6802 ( b ) ( c ), which mandates that a financial institution must inform consumers of their right to opt out of nonpublic personal information disclosure. Wells Fargo and XXXX has notably failed to provide such information, denying me the opportunity to exercise my nondisclosure rights. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, I see that this account has charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't believe the status of this account is accurate either. 
Delete it due to multiple violations. 
Please be aware that I am keeping a detailed record of all correspondence and actions taken throughout this process. Fallure to respond to this letter or address the mentioned violations within the specified timeframe will leave me with no choice but to proceed with legal action to protect my rights as a consumer. 
I trust that you will take this matter seriously and handle it in a timely and professional manner. I look forward to receiving a satisfactory resolution
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zellehas not only neglected to protect consumers but has also allowed repeated 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.