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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under XXXX XXXX. XXXX ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under XXXX XXXX XXXX XXXX XXXX I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

After doing a bit of research online for best checking accounts my wife and I recently opened a joint Axos Bank account based on the recommendation of a number of reputable sources : XXXX, XXXX, etc. Less than a month later on XX/XX/2022 our account was compromised and a {$2500.00} XXXX transfer was initiated from our account. 

Seeing no obvious way to cancel this online we both tried to contact the bank to stop the payment. She and I spent a collective 8 hours calling phone numbers, and chatting with online chat bots trying to speak with a person to cancel this transaction. 

I was never successful in speaking with a person. She finally got a person on the other end of the online chat who told her to initiate a Stop Payment which cost us {$10.00}. We were told wed get that money back, but how? Who do we contact about that? It is impossible to find someone to speak to at this bank to perform basic tasks and avoid getting charged large sums of money for transfers we didnt initiate. 

After doing additional research online it appears that a huge number of people has also had similar experiences. 

The rise of AI customer support has left consumers wasting time, energy, and money as we try to puzzle our way through menues, and voice recognition software. These services are expanding and helping the consumer less and less. This could have cost us {$2500.00} if we were not paying attention. Outsourcing customer service to robots is not the future, despite what big tech tells us.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX, and I am writing to appeal the denial of my unauthorized transaction claim and the subsequent closure of my account. On XX/XX/year>, I reported unauthorized transactions on my XXXX debit card and received a temporary credit. A week later, I received a letter stating that my claim was denied and that the funds would be reversed. I believe this decision is an error. Under FDIC regulations, my funds should be protected in cases of unauthorized transactions. I repaid the temporary credit, but shortly afterward, my account was closed. I request an appeal of this decision and that my account be reopened, as I have been a loyal customer of Chase Bank for years and highly value your services. Please assist me with this matter. Thank you. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was a follow up for the fraudulent items in my reports that I found and filed a complaint in https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit card or prepaid card

2 fraudulent charges were made on my credit card. I didn't make the purchases. In XXXX, XXXX I received a bill. I knew the charges were not made by me. I called the company and reported to the fraud department. They opened an investigation XX/XX/XXXX. I continue to receive calls from Comenity Bank collections ( weekly ). I explained charges are not mine and a fraud investigation is open.. I called fraud department back XX/XX/XXXX. Still not complete on investigation. I continue to receive calls from XXXX XXXX I've spent at minimum 5hours on the phone for this situation. 
Please help me. I need the harassing calls of collections to stop, I've never used this card, I should owe {$0.00} and I had the account closed immediately upon seeing the fraud charges early in XXXX. I am concerned this will be sent to collections, and I have not made any purchases on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report.

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

6. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX 00 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my XXXX credit report that I didnt Authorize and they need to be remove. And my old XXXX XXXX account was closed due to be hack and identity theft. I never missed a payment but it say I miss XXXX payment and the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..
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 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: Debt collection

XXXX XXXXXXXX filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims. 

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over 1000 fraudulent debt collection cases.

I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and the subsequent actions filed by XXXX   using obvious fraud documents.
Product: Mortgage

I started an application with Citibank for a refinance of my home loan XX/XX/2020. 
After multiple requests for paperwork which I complied with, the loan officers did not review or process the loan until XX/XX/2020, close to a 5 months lack of action on my loan, causing me to lose out on interests savings. I withdrew the loan XX/XX/2020 after making multiple failed requests to my mortgage representative, XXXX XXXX, to accelerate the processing of the loan. The mortgage representative agreed that they did not deliver ( I have it on email ). 

I simultaneously requested for a refund of all the fees paid {$750.00} on XX/XX/XXXX that was intended for the processing of this loan ( all  evidence in email ), and since the bank did not do their part, I should not be expected to pay those fees. My mortgage representative did not make the request on her end and when I called her on XX/XX/XXXX, she said that I did not request for a refund and therefore she did not do it, which was untrue as I have since forwarded her the evidence of my requests. I would like to submit a complaint against this terrible service provided by Citibank and request for a refund of my fees.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : Experian 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this XXXX  auto loan account for years now. I previously demanded that the CRA delete the late payments from my account. But the CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I am once again demanding you delete the late payment from the above account.
Product: Credit reporting or other personal consumer reports

I have looked back at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the credit relates. After this conpany stated that my investigation had been completed as of XXXX XXXX. 
I sent a letter asking them to reinvestigate these accounts listed below, because XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct, this account is not accurate. 
After my investigation had been completed, I took a deeper look into the report to ensure it accuracy due to the identity theft, that I have experience within the last three years. It is becoming tiresome needless to say. I have been in XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I got the investigation back, but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 Please look into this matter.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer
Product: Debt collection

I was contacted by a female representative of Financial Assistance Inc. The woman was pushy and used the tone of her voice to try to convince me that I agreed to pay her or her company in 2019. She asked when I would start payments because my credit would be affected. I do not have a contract with this woman or her company, and I have had to block the number for calling at odd hours and either mumbling a message on voicemail, or just letting the call go to voicemail, and say nothing. I have mailed a certified letter to the company.
Product: Payday loan, title loan, or personal loan

I am a victim of a online money scam fraud. They got my information and opened a loan in my name now i own this loans and didn't do any of them
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 vulnerable to scams. This lack os accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

My autopay was accidentally removed causing me to miss a payment and incur a late fee. 

I received a letter a few days later stating my revolving limits have been adjusted based on my credit report. 

I immediately notice the account that was late and paid it right away. I previously did not recieve any email or notification the payment needs to be made. 



I have a freeze on soft and hard pulls of my credit. So I dont not authorized for my credit to be reviewed. 

I contacted Citi XX/XX/year> and was told they will waive the fee due to the mistaken but can not do anything about my credit limit. 

I have not missed XXXX payment until this issue and I have been treated unfair.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a complaint regarding XXXX unfair handling of multiple disputes related to unauthorized transactions on my account. Despite providing substantial evidence that I did not authorize these purchases, PayPal has consistently closed my cases in favor of the seller, XXXX XXXX XXXX, without a thorough investigation or fair resolution. 

Summary of Issues : Unauthorized Transactions : I never made the purchases attributed to my account for goods from XXXX XXXX XXXX. These include disputes for sports card products I neither ordered nor received. 

Lack of Due Process : I provided detailed evidence, including correspondence, transaction histories, and a clear explanation of the issue, but PayPal closed over XXXX cases without resolving the disputes fairly. 

Seller Misrepresentation : The seller provided false information, such as claiming I agreed to their terms and conditions, and submitted fabricated evidence to PayPal, which the platform appeared to accept without verifying its authenticity. 

Monetary Impact : The total disputed amount across these cases is {$10000.00} USD. ( that I know of so far ) These unresolved disputes have caused significant financial harm. 

Recurring Issues with XXXX Dispute Resolution : XXXX dispute resolution process appears biased in favor of sellers, as cases are often closed with generic reasoning that lacks transparency or justification. 

Actions Taken : I attempted to resolve the issues directly with PayPal but was unsuccessful. 
The cases have now been closed, leaving me no recourse within XXXX platform. 
Request for Assistance : I request the CFPB to investigate XXXX handling of these disputes and require them to provide : A fair review of the evidence in each case. 
Transparency regarding their decision-making process. 
Reimbursement for the disputed amounts. 
Attached to this complaint are : Case summaries with transaction details. 
Copies of correspondence with PayPal and the seller. 
Supporting evidence demonstrating unauthorized activity. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX