23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Equifax and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Equifax. On XX/XX/ 2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to Equifax stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Equifax ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Checking or savings account

Since I opened this checking account at Wells Fargo on XX/XX/2023 I never get my debit card, also I cant enroll into the online banking because the system requires that information because I dont have a XXXX ( im not XXXX XXXX ), I called several times to customer service and they denied the service to send me a new debit card to my address on file saying they cant verify my phone number ( same as the phone on the system ) This is the third claim I open here to have the issue fixed because im not in the XXXX to go to a branch. 
Just need the replacement debit card so I can enroll in the online banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX
Product: Debt collection

LGM has repeatedly threatened legal action, and harassed us and our family members for payment of a vehicle that we have asked them to pick up for years. This vehicle was illegally approved for us as we had just filed bankruptcy when the car was purchased. We were talked into this by a reputable car dealer and only after we signed papers did we realize that we didnt buy the car from the dealer but from a third party car place. 

We have lived in the same home since XXXX and have never received any mail from them whatsoever. They claim they have sued us for the vehicle and say we are committing a crime. We have told them the vehicle is at our home and please take it. It hasnt moved from our address since we moved to this area. The car was eventually picked up and just now they are reporting to the credit bureau that we owe more than the car was purchased for. We have been denied a home because this showed on the report. And due to covid we need to relocate our family as we only have one income now. We have been given until XX/XX/XXXX to move and cant be approved because this has just now been added to our credit report. Please help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following inquiries be removed from my credit file. Myself and XXXX XXXX have obtained approval from the creditors to remove the inquiries listed below. If you do not do so please provide valid information proof that these inquiries showed remain after full investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding my ongoing efforts to obtain a copy of my credit report from LexisNexis. After falling victim to identity theft, I have been thoroughly reviewing all my credit reports to ensure their accuracy. 

I initially requested my credit report online through your platform, but I did not receive a copy. Following this, I contacted the customer service team, who instructed me to submit a copy of my identification card, proof of address, and Social Security Number through your website, XXXX XXXX XXXXXXXX. I promptly complied with these instructions and submitted all the required documentation. However, I have still not received my credit report. 

This delay is causing me significant frustration, as it is imperative for me to review my credit report to ensure all the information is accurate and to address any potential issues stemming from the identity theft incident.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 
Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$79.00} Amount to be rebilled : {$79.00} The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$51.00} had been charged back by the merchant, yet they continue to demand payment from me.

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX
Product: Credit card

I opened a credit card account with Discover, went through their verification process provided all the requested forms, but was denied a day after speaking with an account XXXX pertaining to a Better Business Bureau complaint I had filed weeks prior. I am convinced my account was closed in retaliation to my BBB complaint. Now my credit score is in jeopardy due to a closed account even though I never had access to the funds, never received the statement and never even made it to where I make my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$3900.00} XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formaly 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 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

Dear CFPB, I am writing to file a formal complaint against Experian 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 Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Experian 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 : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report XXXX XXXX XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022 Experian credit bureau has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX**** I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. In a prior complaint, XXXX inaccurately reported prior information that a paid charge off had a balance due to XXXX and XXXX. XXXX responded to that complaint by re-correcting those tradelines, although they should have been deleted. Now, XXXX is inaccurately reporting that same inaccurate prior information that a paid chargeoff has a balance to Experian. This occurred on XX/XX/XXXX. I have attached the accurate reporting as of XX/XX/XXXX, and the new inaccurate reporting as of XX/XX/XXXX. Experian 's system does not allow me to dispute this issue since I disputed it the first time this occurred and experian thinks this is a duplicative dispute, which it is not. XXXX previously corrected but has now reverted the data to be inaccurate again. As 30 days have passed and the information is inaccurate, it must be deleted according to the FCRA. This is a repetitious and ongoing problem for XXXX, and thus far the bank has not taken corrective action that prevents inaccurate reporting of prior information on its tradelines to the 3 credit bureaus. I recommend the CFPB investigate whether this is an ongoing problem at XXXX that affects numerous consumers besides myself.
Product: Checking or savings account

On XX/XX/XXXX, I contacted my bank about an extreme amount of fraudulent charges from my checking account. At the time, there was over {$700.00} of charges that were not made by me or my spouse. There were pending charges of approximately {$120.00}. I was told once they cleared, I was to contact the bank again. When I did, they only reimbursed the approximate {$120.00} and said they needed to research my dispute. Some of the charges included Waiter and XXXX which are not even available in our area. There were charges from XXXX and XXXX which my spouse has never ordered from. I received their decision letter on XX/XX/XXXX, stating that because we had the debit card in our possession, they could not reimburse me. I appealed the decision and received the appeal decision dated XX/XX/XXXXXXXX  stating that they stood by their decision and I would not be reimbursed. I do have the bank statement showing all of the purchases and dates. The claim # from Capital One is XXXX. If any more information is needed, I can be contacted by email or phone. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX email : XXXX ph : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there 's a name XXXX, XXXX, XXXX on my Credit card report is incorrect. I do n't used that name. Also I did not open, the XXXX Chase credit card back in 2005. How do I fix this problem? My Email is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask Transunion for proof and they never sent me anything ... They report my information to XXXX with incorrect information. They violated the fair credit reporting act ... I ask many times for Mov proof. They are very rude and nasty on the phone.
Product: Debt collection

I paid XXXX then pressler took XXXX so why would u send me A XXXX check your short XXXXXXXX XXXX Its not my fault u took it to court when it was paid already. XXXX not paying for court cost u owe me what you garnished. XXXX doesnt cover what u took. Im done playing games with your XXXX XXXX companies. You owe me for emotionally distress all the work i missed because you 2 companies are unprofessional. Send me my XXXX XXXX XXXX you didnt do your job and check to see if it was paid before court. Give me my XXXX money back.
Product: Debt collection

This company reached out to me telling me that I have an alleged debt owed to them, however I have never dealt with this company nor do I have a wet ink signed contract with this company.
Product: Money transfer, virtual currency, or money service

I would like to connect my PNC with my XXXX account and it is not letting me.
Product: Credit reporting

During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the XXXX. I have contacted the XXXX where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Experian did n't delete the late payments.
Product: Debt collection

My consumer report has a line item from XXXX XXXX  for a medical debt purchased from another company. This debt has already been paid. My consumer credit score has been negatively impacted. I sent a Cease and Desist notice dated XX/XX/22 by certified mail on XX/XX/22, and it was received on XX/XX/22. The corporation has failed to communicate with me within the 7 days response time per my demands in connection with this notice.
Product: Credit card

Over the holidays I traveled and had difficulty assessing my account to pay bills through Amexs telephone billing system. Their automated system is consistently glitchy and does n't accept or recognize my account info, and boots me from the system. Their recognition software is extremely poor. And the wait times to get a live service rep are always ridiculously long. I have complained of this several times as I 'm sure other consumers have. As a result I did not pay my bill and was approximately a week or so late until I returned from traveling. As a result Amex jacked my interest rate up to a penalty rate of 27.49 percent ( almost double my regular rate ), charged me a XXXX dollar late fee and forfeited XXXX frequent flier miles. All essentially bc of lapses in their system and customer service which make making payments accessible. This is incredibly bad faith behavior, in my opinion, and given that their telephone system has always been difficult to access with poor recognition software, I feel reflects negligence on their part. I attempted to resolve it with Amex directly- again being knocked out of their glitchy telephond system several times and then being required to wait for extended periods to speak to someone- but they refused to reverse all the charges and restore my miles. Again, stemming from deficiencies in their own system.
Product: Checking or savings account

I received a mailer from HSBC offering me {$300.00} if I open an Advance account. On XX/XX/XXXX, I opened an account and by XX/XX/XXXX, I have satisfied all the terms of the promotion. The mailer said that I should receive the bonus " approximately 8 weeks after completing all qualifying activities, '' which is the end of XXXX. On XX/XX/XXXX, I contacted HSBC by phone and the agent opened case XXXX. I checked the status of the case on XX/XX/XXXX and was informed that the " specialist '' has denied the bonus. Different agents gave me different explanations. The live chat support agent told me that " the payment was denied for not having the balance of {$5000.00} plus with direct deposits before XX/XX/XXXX. '' I deposited {$5000.00} to the account on XX/XX/XXXX. I received at least 5 direct deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, in the amount of {$500.00} each from my employer. The relevant part of the promotion terms ( part 3 ) unambiguously states : " For purposes of bonus, you must have at least one direct  deposit in calendar months of XXXX and XXXX ''. The supervisor of the live chat representatives asserted that i failed to maintain {$5000.00} in combined consumer checking and savings balances from XX/XX/XXXX to XX/XX/XXXX. However, my CD account had {$5000.00} in it from XX/XX/XXXX to XX/XX/XXXX. Finally, the phone agent told me that my direct deposits did not exceed {$3000.00}. However, the terms did not specify the minimum amount on the direct deposit. A bank obviously can set up this requirement but not after the customer accepted the original terms of the offer. I am under the impression that the bank is trying to deceit me as a customer and is trying to find a reason to decline the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, I received an auto loan with Capital One. Due to personal issues, I was forced to file a Chapter XXXX Bankruptcy in Federal Court, and was required to send all monthly payments for the auto loan to the Bankruptcy XXXX, whereby he sent the payments to the creditors listed every month. Approximately, 2 years later, I converted my Bankruptcy into a Chapter XXXX, and I received a Federal Court Order in XXXX, discharging all my debts, and removing any and all liabilities on ever account, including Capital One Auto. I made arrangements with Capital One and returned the car in great condition. The car was a XXXX XXXX XXXX. The blue book value at the time far exceeded what I owed Capital One. During the years I was paying the Trustee to make my monthly payments as required by the XXXX XXXX, I was later notified that none of my payments were ever applied towards my balance, and after years, my loan balance remained the same. Since the Federal Court Order was issued, Capital One Auto has continued to report to the credit agencies that I was delinquent, past due, and states an amount owed. First, I returned the car and Capital One was able to make money on the sale of the vehicle. Second, Capital One refuses to advise me of where all my payments went and why they were not applied towards my balance. 
Third, Capital One has continued to violate the Federal Court Orders, the Federal Law on reporting requirements after bankruptcy, and violating my rights under FCRA. I no longer own the vehicle and have continued to ask that the Capital One Auto account be deleted from my credit report as they are reporting inaccurate information, they are legally required under the XXXX XXXX XXXX to not to report anything negative on my credit report. As a result of their unwillingness to follow the laws, my children and I have been significantly damaged by their illegal negative reporting. I am requesting that Capital One Auto be required to follow the laws of the Federal Government and XXXX XXXX XXXX, and due to their illegal actions for years, immediately notify the credit agencies to delete the Capital One Auto account from my report.