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

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX ) Open, XXXX XXXX ( Collection )
Product: Credit card

A person called me from XXXX 7 times in a row, identifying as Citibank Fraud Dept. They claim there was a suspicious charge on my credit that I needed to verify. I told them it wasn't my charge. 

The person continued to try to get my credit card number, expiration date and XXXX number off the card. He said I must give that to him for him to close this account
Product: Credit reporting or other personal consumer reports

Accurate Background willfully perjured themselves before the Bureau in relation to an open investigation, and willfully submitted false information that is contradicted by actual public records- which was and will be again submitted to the Bureau. I have a pending case with disposition 11.07 Writ of Habeas Corpus Filed. This is public records- online. It will be attached again- though I question whether the employees at Accurate are simply illiterate as opposed to willfully perpetrating a federal felony by perjuring themselves before the bureau. The case is not disposed - as Accurate continues- in defamatory conduct- to lie to the Bureau claiming that the case is disposed. Its not. No amount of lying in Accurates past due response - showing such great disrespect to the rule of law - is going to change this until the case is actually disposed by an actual judge - not by corrupt employees of a rogue company. The case file will literally be submitted again to the Bureau. Pictures and documents do not lie. I offer to teach the employees at Accurate how to read English- which seems to be extremely challenging for them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Immediate Removal of Fraudulent Account Due to Identity Theft Dear American Express Customer Service XXXX XXXX am writing to formally notify you of a fraudulent account opened in my name without my authorization. As a victim of identity theft, my personal information was unlawfully used to create this account. I have never applied for an American Express card, and the associated address, phone number, and email are entirely unfamiliar to me. 

I have already submitted the following documentation to support my claim : Federal Trade Commission ( FTC ) Identity Theft Report Copy of my government-issued identification Social Security Number verification Proof of my current address Despite this, I have been informed that payments were made to this fraudulent account. I want to clarify that these payments did not originate from any account I own or authorized. Under applicable law, creditors are required to block all information resulting from identity theft within four business days of notification and are prohibited from transferring debt arising from such fraudulent activity.

I request the following actions be taken immediately : 1. Removal of all information related to the fraudulent account from your records within four business days, as mandated by law.

2. Confirmation that no debt associated with this fraudulent account will be transferred or reported under my name.

3. Written acknowledgment of this notification and the actions taken to rectify this situation.

Please direct all future correspondence regarding this matter to my contact information provided above. I expect prompt action to resolve this issue and protect my credit standing. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance : {$38000.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX  XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Attempted purchase of a freezer through Sears on XX/XX/XXXX. Item was not delivered as promised. After multiple missed delivery dates by Sears in which they continued to reschedule new, later dates, we finally cancelled the sale in XX/XX/XXXX, nearly 6 months later because of the non-performance on their part. We were promised a refund within 3 days by the customer service representative, which did not happen. After allowing 5 billing statements without a refund, we sent a letter requesting the refund. The letter was sent XX/XX/XXXX and we have received no response from Sears. Enclosed are the statements and the letter. As you will note, the amount that should be refunded is : {$1300.00} per Sears, although the amount charged was {$1300.00}. Sears states that they are keeping a dollar for undisclosed reasons, which we take issue with, since they have had our funds, interest free, for nearly a year. Please note that the refund should be sent to our new address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX but the attorney filed XXXX XXXX and I withdrew from the filing citing did not agree to any of the terms and condition for XXXX XXXX, as the attorney filed in error. Attached, please find the documents for the Bankruptcy withdrawl. 

I want to file a grievance against Experian because they place Bankruptcy on my file, but I withdrew from the Bankruptcy filing process and procedure ( s ) and I assumed the case was closed, but I discovered the Bankruptcy was placed on my Public Record. I do not believe the Bankruptcy ought to have been placed on my Public Record because I did, in fact, not complete a Bankruptcy. I found a way to pay off my debt on my own and have the documents to prove it. 

I have complained to Experian, XXXX, and XXXX for the last 7 years. XXXX stated that the Bankruptcy is not on my file in their system. However, Experian and XXXX remain steadfast in keeping this erroneous information on my Credit report and I demand it be removed because I never went through with the Bankruptcy. This incorrect information has greatly impacted and affected my life. I was homeless for five years, from late XXXX ( when I discovered the issue trying to rent an apartment and got denied ) up until XXXX XXXX XXXX 

I seek to sue Experian and XXXX, but also, get Federal Trade Commission to reform Bankruptcy rules/law to add that credit agencies can not place Bankruptcy withdrawals or dismissals on consumers ' credit reports. Only complete Bankruptcies that consumers have gone through ought to be placed on consumer 's credit reports, but if they withdraw the credit agencies do not have a right to put Bankruptcy dismissal or withdrawal, because creditors will misconstrue the information.
Product: Credit card

Capital One as committed aggravated identity theft as well as failed to protect my right to privacy and keeping my personal information safe. I did notopen this account. Anyone can open a fraudulent account online. This inaccurate accounts caused a decrease in my XXXX XXXX. I will continue with future litigation if this account is not removed from all consumer reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I review my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the issue persisted. I'm extremely frustrated and urgently request a thorough review of the documents I've provided so I can finally have peace of mind.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to chase and send XXXX XXXX dollars via money transfer to my cousins account, in XXXX XXXX XXXX. But the teller did it wrong and send the money in the wrong currency. I found out and was back at the bank and canceled the money transfer. The teller told me 2-3 days and the money will be back in my account. 
My cousin received the money of XXXX and his bank stopped the transaction, like they should, and send the money back. 

Ive been going to the bank since XX/XX/XXXX every day, where is the money. every day, they tell me. " 2-3 days! '' After a month of the manager ignoring me, I got upset and raised my voice. The bank kicked me out with the security guard and now I can't enter the bank and get my money.

My wife has been calling every day, even today, and they tell her. " it's in route. 2-3 days! '' They tell her the same thing after being on hold for an hour. 
Why is Chase treating us like criminals and yet holding our XXXX XXXX dollars? 

Please help us!
Product: Credit reporting or other personal consumer reports

I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

The accounts in question are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions.
Product: Credit card

I purchased kitchen appliances at Sears in XXXX 2014 the sales person talked me into applying for a Sears MasterCard to get an extra 5 % discount on my purchase. They also offered 0 % interest on the credit card for all purchases in the first 6 months. When I received the XXXX statement they added an interest charge of {$760.00} for the previous purchases. I called customer service and spoke with XXXX who said I needed to pay the balance before the 6 months period ended and that 's why the amount was added. This is not the way the sales person explained this to me. Making a major purchase is overwhelming and I was taken advantage of by the sales person. She never mentioned that I would incur this charge if not paid within 6 months. The total purchase was near {$8000.00} and current bal is {$2000.00}.
Product: Credit reporting or other personal consumer reports

This is the same account with two different balances. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
XXXX XXXX XXXXXXXX
Product: Checking or savings account

On or about XX/XX/XXXX, I tried to set up a payment on my Arvest bank account via Arvest 's online banking system. 

My transaction errored out and instructed me to try again. When I did, the second attempt failed with a duplicate transaction. I contacted Arvest and they said there was a system problem and that my account would be fixed in a day or tow. 

I checked my account again on XX/XX/XXXX. The error transactions had not been corrected. I did try again to set up an account. This had the same errors that I encountered on XX/XX/XXXX. Arvest again said that they have a system problem and my account would be fixed soon. 

On XX/XX/XXXX, I noticed that my account balanced had dropped. When I accessed my account, errored out transactions were starting to process and make payments. The online system would not let me delete or alter the errored out transactions. 

I again contacted Arvest and was told there was a computer problem. No timeline was given as to when my account would be fixed. 

At this point, my account is basically locked since I can not set up payments for correct any errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian, at least 5 times trying to get this resolved. I have spoken with supervisors and reps and nobody seems to be able to help. I have sent this report, at best, 7 times to them and they refuse to acknowledge the paperwork that was sent to them even though I have return receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time in 2 months disputing the inaccurate information Experian is reporting on my credit report. Experian is reporting an inaccurate bankruptcy account. They are not even attempting to verify with XXXX, the furnisher of the information. If Experian did what they are required by law to do, they would see the bankruptcy has been deleted/removed by XXXX. I provided this proof with my last complaint, and they still are reporting this bankruptcy. Please make Experian abide by the law and the FCRA and properly respond to this dispute. 

On today when I called to inquire about the dispute results they said they had verified with XXXX that the account was accurate. I immediately called XXXX and they affirmed this was not true. The rep further stated that their is no bankruptcies on my report. 

What is my recourse when Experian is clearly ignoring the laws as well as the furnisher of the information?
Product: Credit reporting or other personal consumer reports

There is a account on my credit report that is not mine and belongs to someone else.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to express my concerns regarding Zelles apparent failure to adequately disclose proper procedures and protocols related to sending payments to other users. This lack of transparency has significant implications for customers rights and overall trust in the platform.

Specifically, Zelle did not provide clear guidelines or warnings about verifying recipient information, handling transactions securely, or addressing disputes in cases of fraud or errors. Many users are unaware that Zelle transactions are often irreversible, leaving them vulnerable to scams or mistakes without sufficient recourse. By not adequately disclosing these critical details, Zelle has violated customers rights to informed decision-making. 

Under consumer protection laws, financial service providers are obligated to furnish clear, accurate, and comprehensive information about their services. Failing to do so deprives customers of the ability to make fully informed choices, leaving them at a significant disadvantage and potentially exposing them to unnecessary financial risks. 

I urge Zelle to address these issues by revising its communication practices to include clear and accessible disclosures, along with robust safeguards to protect users in the event of disputes or fraudulent activities.
Product: Mortgage

I can prove that XXXX XXXX lied about my intentions in getting out of my Chapter XXXX bankruptcy so that I could sell my rental house and catch up with what I owed them. I have a copy of an email correspondence with their attorney. 

They also adjusted my statement after my first complaint and applied the two payments from XXXX but never wrote adjusted or corrected or anything of that sort on the mortgage. ( They do this all the time, the numbers just move around ) XXXX XXXX 's narrative may sound good, but it is not true. He lies. He say 's he never talked to my attorney and I did not tell them what was going on but that is not true and I can prove it. I told them I was getting out of the Chapter XXXX so that I could sell the house and catch up with what I owed them. I had to explain that to the judge in order to have the case dismissed and then file chapter XXXX on the other bills. 
I had to go to court and explain in a court of law why I kept filing chapter XXXX so I could save the houses until I could sell the rental and catch up with the house I live in. I have been sick. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What is his excuse? 
He doesn't mention that when I ended the Chapter XXXX I paid them nearly {$40.00}, XXXX to catch up on the mortgage, I fixed up this house and started a business from home so I could continue to pay my mortgage. He is purposely trying to make it so I do not qualify for the help available to people who were effected by the Corona Virus. But I have all the email correspondence with his attorneys, including the one where I told them I wanted to reinstate the Mortgage. XXXX XXXX claims he never spoke to my attorney, but my attorney has notes on the phone call and has NEVER lied to me or spoken harshly to me, while XXXX XXXX has been speaking harshly to me since my partner who happens to be women, was diagnosed with XXXX XXXX XXXX. Perhaps I should be retaining a civil attorney in this matter! He has made this personal and has colored the truth to make his narrative look good.
Product: Debt collection

I received a letter from a debt collector name Linebarger Goggan Blair & Sampson , LLP says that I violated a parking spot for a total of {$43.00} as of XX/XX/2024. 

When I checked they website, they put a picture of my car as a violation car on date of XXXX, they didn't put the time, I called to ask for the time, a lady told me that it was around XXXX Location : XXXX XXXX XXXX XXXX TX XXXX Lucky me, I didn't pay as a guest, I have an account on their XXXX to have access to my payment history, when I checked, I saw that I paid this parking spot for XXXX, from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account being reported on my Equifax credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.