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

I am writing to urgently address a serious issue regarding my credit report with Equifax. Despite multiple attempts to unlock my credit reports by providing all requested information, Equifax has repeatedly refused to resolve this matter. This ongoing denial has severely impacted my ability to access essential financial services and has caused undue stress. 

I have followed Equifax 's procedures meticulously, submitting all necessary documents as requested. However, their failure to unlock my credit reports persists without explanation or resolution. This situation requires immediate intervention to rectify the issue and ensure compliance with consumer rights. 

I kindly request your immediate assistance in unlocking my credit reports with Equifax. I am prepared to provide any additional information or documentation necessary to expedite this process. Please treat this matter with the urgency it deserves and keep me informed of any developments. 

Thank you for your prompt attention to this critical issue.
Product: Credit card or prepaid card

I have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z
Product: Money transfer, virtual currency, or money service

General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through an intermediary named XXXX in the total amount of XXXX USD.
Product: Credit reporting or other personal consumer reports

I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XX/XX/2023 - Equifax-XXXX XXXX XXXX However , the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

They are reporting inaccurate inquiries on my credit report.
Product: Debt collection

XXXX collection they put this amunt in my credit report XXXX Never Ever owen Money a this accunt National credit System When i need yo be remove this negativo the my credit report soon
Product: Credit reporting or other personal consumer reports

( NAME ), ( SSN ), ( DOB ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are as followed incorrect, and adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have s inquiry I did not do on my report.
Product: Checking or savings account

I attempted to transfer money out of my account because they didnt have phone numbers and response took forever. There was no way to escalate an issue or even call them. When I went to transfer money out they froze my account for fraud. But yet havent contacted me. 

I tried to transfer the money out on XX/XX/XXXX. In the amount XXXX twice. 

The bank is a subsidiary of First National Bank of XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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 informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulberable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I continue to have problems with Citibank. On XXXX, I had disputed a debt for {$39.00} from a merchant called XXXX. This bank decides to cancel my debit card and send me a new one and then refund the amount. They obviously didn't block this merchant from re-debiting from my account! This merchant XXXX has once again, debited my account for the same amount {$39.00} on XXXX! My initial complaint against this bank was because they blocked a legitimate transaction for {$1500.00} that I completely authorized but continue to allow unauthorized transactions to be debited from my account. This bank has embarrassed and inconvenienced me but when I report a fraudulent transaction, they inconvenience me again by not only disabling my original debit card and sending out a new one, but the fraudulent transaction is allowed to be debited from my account again! I don't understand what this bank is doing! The new debit card is clearly attached to the old card. I am sick and tired of this stupid bank and all of the pain and frustration they are causing me! It makes me sick to see what this stupid bank is doing and not taking any accountability for their mistakes! I want this bank held accountable for all they have put me through! It's one nightmare after another with this stupid bank! They clearly have no intentions of protecting my account from fraud. They are more interested in making my life a nightmare!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian data breach. I tried to send multiple times to them that there are information on my credit report that I didn't apply for and didn't receive. I mailed on XX/XX/2015, and XX/XX/XXXX and each came back stating unable to forward and was sent back to me. No one answers the phone as well
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no information about them, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following inaccurate information reporting to my credit : XXXX / XXXX  XXXX auto finance/ the inaccuracies found were the reported account balance and or balance owed, past due amount and the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the far credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent information on my credit report. XXXX XXXX XXXX is an closed account that has been fully satisfied, as detailed In prior months of reporting. 
Upon request for a investigation into my credit file for other alleged debts this debt instead of being removed was updated as derogatory erroneously! I have no debt with this creditor and do not consent to this fraudulent information to be furnished on my report! 
XXXX  alleged account has been removed from my XXXX report as being invalid and FTC report has been filed!
Product: Mortgage

Two years ago I signed up for the " Bi-Weekly '' Payment process to reduce interest over the life of the mortgage loan. Rocket Mortgage said it would hold the first payment and apply it with the second payment until I got one full payment ahead. That would take a year of these payments. Then they would start applying the payment every 2week. In the past two years they have still held the payment until the second payment is received. They have also changed there website ( XXXX ) stating they will always hold the payment until full payment is received. Yet they still advertise and use key words such as " Biweekly payment '' to lure people into paying every two weeks. When in fact this is still a monthly payment, with an extra payment at the end of the year. They are deceiving customers ( XXXX XXXX XXXX XXXX Website is the updated site still advertising as Biweekly payments when in fact, effectively, it is monthly payments with an extra payment at end of year. 
They also will not allow me to schedule a second " principal '' payment of {$120.00} every two weeks to reduce interest over the life of the mortgage. They state I need to once a month make a one time payment. 
They have arranged their entire payment process to provide misleading information and discourage customers from paying early to reduce interest over the life of the loan.
Product: Debt collection

XX/XX/2019 I received a phone call from Navy Federal Credit Union in regards to a debt. Upon answering the phone, the individual on the line simply asked if I was the account owner and proceeded to disclose information related to the account. I was told the exact amount of money owed on said accounts, the nature of my past communications with the bank ( citing exact details about the phone call ), all without actually verifying my identity. Once I presented the question " Aren't you going to verify my identity? ", I was told that as long as they had my name there was no further verification necessary. 

They stated on multiple occasions that this is to be standard procedure and the supervisor I spoke with read off the Navy Federal Policy on out going calls. Had this been a phone call regarding something trivial, that would be one thing. But the representative on the line insisted that I was in the wrong and this procedure was acceptable. After getting off the phone I called NavyFederal to speak to a supervisor in a department outside of collections and the employees in those departments had a contrasting and profusely apologized for the incident. I don't know how this works, and even though it was me in fact answering the phone, that doesn't mean it won't impact somebody else in the future.
Product: Credit card or prepaid card

In the context of the COVID-19 situation, on Friday XX/XX/XXXX, XXXX XXXX cancelled my flight ticket to XXXX, XXXX. I bought my ticket via Citi Bank 's travel rewards program using a combination of credit and travel rewards points. For the past 1.5 years Citi and XXXX XXXX refused to refund my tickets that they cancelled. However, on XX/XX/XXXX, XXXX XXXX issued a statement that they would refund these cancelled tickets. If bought through a travel agent ( in my case Citi travel rewards ) I was informed to speak with Citi travel. I called Citi and they stated I should receive my refund within 2 months. They additionally sent me an email on XX/XX/XXXX stating my " Trip Id : XXXX is now eligible for a full refund. '' Since then I have called Citi travel and have repeatedly been hung up on, transferred and placed on indefinite hold over and over again. They have not issued my refund and refuse to provide an answer on why I am not receiving my refund.
Product: Vehicle loan or lease

We originated an indirect auto loan on XX/XX/2020, and Huntington Financial was selected as the grantor of the loan based on the terms offered. We were informed at that time that we would receive information from the lender, including a coupon book for payments, and that the first payment would be due in 30 days. Three weeks later, XX/XX/2020, no contact has been initiated by Huntington financial. We have received no acknowledgement of our loan, no account information to facilitate bill-pay and no payment information or disclosures. I contacted Huntington 's customer service center today, where I was informed that a payment coupon book was sent earlier this week ( or late last week ), that it may arrive next week or potentially later, and no statements would be furnished. The representative confirmed that there was a possibility that my account information would not arrive until after my first payment was due. Despite the 10-day grace period, if I were to physically mail a check instead of using bill pay, there is a significant likelihood that I would incur late charges and potential detriment to my credit.
Product: Credit reporting or other personal consumer reports

In 2020 my Bank of America account was closed for what they say was fraudulent activity. When I asked them to investigate the fraudulent activity on my account they did not do so. I explained that I never came into their branch and to view the video cameras because someone else had stolen my debit card and tried to withdraw money that had been deposited by whom ever stole my card. Due to the closure I was place in XXXX XXXX and wasnt able to open another account. I disputed with XXXX XXXX to also investigate and verify and validate the account and nothing was done.
Product: Credit reporting

Please cross reference CFPB Case number : XXXX. The account with XXXX XXXX XXXX loan number XXXX was completely ignored in the previous CFPB case. This account should have been removed at the same time as the other accounts in the previous complaint. Equifax provided no response at all to this trade line in their response. All of the accounts in Case number : XXXX should have been removed as they all became past due at the same time. 
( Also, Equifax did not remove XXXX account XXXX as they said in their response to the last complaint. I had to call on XXXX/XXXX/15 and have it removed after talking to a customer service rep named XXXX. Confirmation number XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Remove the following items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX - Balance XXXX XXXX XXXXXXXX XXXX  # XXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXXXXXX -BALANCE XXXX XXXX XXXX # XXXX - Balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX today that my XXXX and trans union accounts were negatively effected by a report by XXXX XXXXXXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX  shows it is.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account XXXX : XXXX Date of XXXX : XX/XX/year>
Product: Debt collection

I got into XXXX  in XX/XX/XXXX, XXXX XXXX XXXX in XXXX, GA due to my health and got XXXX $ surprise bill afterwards. I asked to create a payment plan in XX/XX/XXXX with their Finance department as I was not able to pay the entire bill in one transaction. They did create a plan and every month they were charging XXXX $ starting XX/XX/XXXX. In XX/XX/XXXX I got a written communication from collections agency Hollis Cobb Associates saying that I need to pay the remaining XXXX $ immediately. I do not understand that, I created payment plan and was paying it and will continue to pay it, but this hospital proceeded reporting me to collections even though I was on payment plan and committed to paying it.
Product: Credit card or prepaid card

My wife tried to use the credit card to get some gas. It did n't work. She called me and asked me to call and find out what was going on. Yes, she is an AU on the card and has one. I called to find out that they closed the card. There were several reasons. The first was a returned payment. The rep that we initially spoke with to make the first payment keyed in the last digit wrong. So of course it came back wrong account number/nsf because it was n't our account. Once we realized the issue we paid it with our Debit Card. We paid  XXXX . So, when I spoke with the rep/supervisor, we were told that it was because of the account number being wrong, and because our payment was too high? I am like seriously? Who says a payment is too high that is paid with our Capital One 360 Card. It is ridiculous.
Product: Payday loan, title loan, or personal loan

So I got a phone call this morning XX/XX/2022 it was a western Management consultant telling me that I owed money to XXXX XXXX XXXX XXXX and I gave them my bank info later I called XXXX XXXX XXXX they said I didnt owe them any money so I called my bank and stoped payment on it and was told to file a complaint they said if I pay {$120.00} that they would stop the collection process