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

Equifax stated that my credit report, along with millions of others, was compromised due to a breach in their security platform. This has put my personal credit history and financial security at risk.
Product: Checking or savings account

As you would know from my previous complaints, I do NOT visit Chase branches unless it is absolutely absolutely necessary and urgent, primarily due to the XXXX attack on me from one of your branches in the past. 

On XX/XX/2023 at XXXX PST I went to the Chase branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX for Notary service. The previous day I was told by their manager XXXX that they provide notary service, and upon explaining my requirements she said she can attest the photocopies of my XXXX DL, Medicare card and Passport from the original. So I made the appointment and went there with a photocopy of the above documents and brought with me the originals. I had to send the attested photocopy back to XXXX via email. 

First, XXXX says she can not put any signature on the photocopy, instead she can fill a separate form for attestation purposes. I told her, when I email the photocopy of the documents and that separate attestation form, they would look two separate paperwork and won't be considered related by the recipient. XXXX said there is a section on the attestation form that says " optional '' under which she will mention DL and Passport. I asked her to write the passport and the DL NUMBER next to it in the attestation form as well, so that the recipient would know which passport and DL she is exactly referring to in that form ( because just including the WORD 'passport ' won't mean anything to the recipient, because the attestation form could not be related to the photocopy of the DL/passport ... because how would the recipient know exactly which passport XXXX is attesting unless the passport number is mentioned in the attestation form. XXXX 's response here was, " I am not obligated to mention anything in the optional section of the attestation form, I am not attesting or verifying anything here, all I am doing is saying you came to the branch with the photocopy and the originals, but I can not mention the DL number or the passport number in the attestation form. '' Basically she is saying, all the attestation form say is, " you brought " some '' paperwork and I visually saw it, and that's it ''. She will however document the DL number and the passport number in her internal books but she won't mention those numbers in the attestation form. That's like writing, " this guy brought 'a ' passport to the branch and I saw it '' - Is this called attestation!? 

This is unreasonable, unprofessional and ludicrous. How would a third party know what exactly you are attesting in that form unless you provide a definite document number ( DL no./Passport no. ) in the form. 

I mean I don't expect much from Chase branches considering the bankers are racists to start with. But these kind of ludicrous and unreasonable work practices by Chase bankers validates it further. I am not white, so please let me know if Chase would be comfortable in doing the notary/attestation of my driver license, passport and my Medicare card, in a manner that would be considered reasonable and acceptable by a third party?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran a credit report on XXXX XXXX 2021 and I didn't recognize the following hard inquiries on my report from Experian. 

XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX  Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXXXXXX XXXX Inquired on XXXX/XXXX/2021 GXXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card company keeps placing old and duplicate information on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that Bank of America with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Product: Credit reporting or other personal consumer reports

I have send ftc report to Equifax and XXXX violation under the section 1681I I NEED ALL THIS ACCOUNT OF MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE THIS ACCOUNT!!
Product: Credit reporting or other personal consumer reports

there's a job listed on my report and i'm no longer affiliated with that company. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX the spelling of my name is incorrect the correct spelling of my name is XXXX XXXX XXXX incorrect spelling : XXXX XXXX incorrect spelling : XXXX, XXXX, XXXX incorrect spelling : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal data was compromised yet again on the recent XXXX XXXX data breach. Today XX/XX/XXXX I received a credit alert that my credit report was accessed by XXXX XXXX XXXX. I did not authorize this access, the alert was for XXXX, Equifax and XXXX. I am requesting that this inquiry be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB nave brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
XXXX. If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
XXXX. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used fraudulent dealers to open an account in XXXX XXXX, 2009. XXXX is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX -Account NumberXXXX  XXXX XXXX XXXX -Account NumberXXXX XXXX XXXX XXXX XXXXAccount Number:XXXX XXXX XXXX -Account Number:XXXX XXXX XXXX  XXXX - Account Number:XXXX
Product: Checking or savings account

Wells Fargo charged me over {$800.00} in fees and when I said something they said they couldn't go back more than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MINE
SICK FOR AN ENTIRE YEAR WITH XXXX  -

Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  Phone number
XXXX XXXX  
Is everything correct?
Product: Money transfer, virtual currency, or money service

Good morning CFPB, My name is XXXX XXXX! I'm here to report BAM TRADING known as Binance.US, I have previously file a complaint about them and they responded by telling CFPB one of there representatives are going to talk to me to have my wiring information to send my money to me, we'll long story short, someone get a hold of me, His name is XXXX from Binance.US, He have me signed a Docusign form and fill my bank information with it and after all of this they said they're going to send my money to me, since after that no funds have been sent to me. 

This is 2nd week ending and no one will tell me what's going on, I feelt like Binance.US deliberately don't want to refund my money! Holding it hostage for no valid reason 's, XXXX Binance.US representatives keep telling me it's waiting approval, XXXX? Over 2 weeks approval to wire my funds, I don't seems to understand this anymore, Please help '' This is shameful for a company of that reputation to be frustrating t and trying to stole from there customer 's!

I need my money to pay off my mortgage, I'm behind and Binance.US are not ready to sent my money even after have done all they wanted from me... Agencies need to look into that company because they're doing this to a lots of people out there and this is wrong.. I'm just pleading with them to please send my money to me, I'm tired and frustrated right now. Thank you so much CFPB.
Product: Credit card

I Joined XXXX XXXX Military XX/XX/2003 and am still currently XXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that money paid over the interest limit refunded to me and my interest rate lowered to the Louisiana XXXX limit. XXXX XXXX XXXX XXXXXXXX. I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.
Product: Debt collection

I signed up for XXXX XXXX XXXX TV services in XXXX of 2018. I was promised a promotional rate at that time for Premium Channels and had documentation to prove it. On the day of installation I noticed the channels were not active and called XXXX  customer service. After hours on the phone I was told they would not honor the rate promised and I cancelled the service that night. At the time I was promised I would owe {$0.00}. Over a year later now a Collections Account from Franklin Collections SV for this amount on XXXX XXXX behalf has showed up on my credit bureau report impacting me. I have proof that the service was never used and that the account was closed the same day it was installed. How do I get this rectified as it is impacting my credit at this time?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed XXXX  XXXX as you can see in the attachments which XXXX  XXXX XXXX XXXX accounts are listed in Discharge of Debtor. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 

The XXXX  XXXX XXXX XXXX ignore the XXXX notices of DISCHARGE OF DEBTOR The of XXXX XXXX XXXX Attorney is GLASSER AND GLASSER XXXX XXXX XXXX, XXXX XXXX ) XXXX ) Phone : XXXX XXXX XXXX ALSO IGNORED this DISCHARGE OF DEBTOR notices. 
I have spoken to a Representative about this matter today XX/XX/XXXX XXXX XXXX  They are giving me a run around on hold on the phone for more than 30 minutes or so then hang it up. I went to the XXXX  XXXX XXXX in two locations the responsible person wasn't found. On XX/XX/XXXX, around XXXX XXXX. My Court Atty Commission appointee and I spoke to the XXXX  XXXX XXXX collection department as suggested by XXXX XXXX they can't find any account that belongs to XXXX XXXX XXXX. 
I want XXXX  XXXX XXXX XXXX to remove this default judgment on my name and honors the Discharge debtor letter to remove the default judgment from XXXX XXXX XXXXXXXX XXXX Name and order the XXXX XXXX XXXX  to release the Escrow of {$34000.00} XXXX I was a co-owner of a home that I bought with a partner in XX/XX/XXXX. That friend wants out of the deal the Court ordered a forced sale and it was sold on XX/XX/XXXX. 
In the title, a search showed up a judgment that they claimed that the same person as me. Please see the Default Judgement attached. I wasnt aware of the case, I never got any notice the address on the form is commercial I never live there. Because of this record, the XXXX XXXX XXXX is escrowed {$34000.00} of my house proceeds. 

Judgment to Escrow XXXX XXXX XXXX This default judgment is wrong. I wasnt given the chance to defend myself, the attorney did not send me a notice because this person is not me.
Product: Money transfer, virtual currency, or money service

I have used PayPal to send money to friends and family and for the purchase of goods and services on many occasions. My checking account is directly linked to my paypal account and is the default source for funding for both purchases and transfers I make using PayPal. PayPal charges the recipient a fee if a transaction is designated as for the purchase of goods and services and there is no fee if the transaction is designated as sending money to friends or family. 
I had previously sent my daughter money designated as a friends and family transaction through paypal and no fee was paid. Paypal offers a quick link option for previously made transactions which are labeled as " Send Again '' When I used the " Send Again '' option to repeat sending money to my daughter designated as a friends and family transaction with no fee, the transaction was processed by paypal as a purchase of goods and services and a fee was paid to Paypal. 
Paypal 's practice of charging a fee to the recipient of a transaction instead of charging the sender the fee upfront is somewhat confusing. PayPal 's " Send Again '' option changing the designation of the previously made transaction from Friends and Family ( no fee ) to a transaction for the purchase of goods and services ( fee ) is deceptive.. 
When I questioned PayPal about the charge I was told sorry. I suggested that Paypal change the default settings so the " Send Again '' option repeats the previous transaction. I was told by Paypal they could not change the default.
Product: Money transfer, virtual currency, or money service

For a month now I have been trying to withdraw my money from my account and it will not let me. It gives the error Im trying to close to many accounts. I only have one account. You have XXXX of my money that I need to pay my mortgage and other bills. I have emailed you over 30 times, called ( your customer service is not helpful at all ) put on XXXX  and XXXX. I need results I need my money out back in my XXXX XXXX  account. My email is XXXX
Product: Debt collection

I received notification that adverse information was found on my credit report. Investigated and found the company name and googled information to contact them. I called and gave my name and address and requested to know what it was about because I never received any information and had no idea I owed any money and no idea for what. They would not give me the information over the phone only collect payment. I requested that they send me the information to verify the debt and gave my proper address. After this they began calling everyday multiple times from different numbers each time. I was feeling harassed and never received any mail with debt verification. I emailed regarding this and requested again in writing the information to verify the debt. I corresponded with someone from the company and they would not provide the information. I kept all correspondence and repeatedly sent emails requesting the information. The finally response back was that it was a sister company that had that account and they forwarded my email. I waited no response. Man trying to collect again called me and I asked if they had sent the debt verification- he said they originally sent it to the wrong address even tho I gave my address to them. I asked them to send it to the correct address as I had given them XXXX times prior. After getting loud with the man he said he would email it. I gave him my email- the next day I got the email with the account info. I contacted XXXX XXXX and they confirmed that the authorization was in the day of service provided but the company never mailed them the bill. The Va called the collector and the collector refused to release the debt back to the medical company and would not assist the Va In remedying the situation. Man put myself and VA on hold and would not come back. We contacted the medical company and they said they had they authorization and it should not have been sent to collection. The collector put this delinquent account on my credit report without notice and provided false information the the credit reporting agencies. I requested in writing that they fix this immediately and they have not responded. The collector is credit management company in XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation od disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or XXXX the disputed accounts, as Experian inaction violates XXXX law and my rights as a cosumer.
Product: Mortgage

I usually pay My mortgage in payments in small amounts threwout the month because I don't usually have the total amount of the monthly payment since my fixed loan payments ( that I was told would not change ) got raised XXXX XXXX I couldn't get the hole amount to them one month and after which they told me that they wouldn't accept partial payments anymore. But yet still wanted me to pay them. In other words they tell me they want payments but then won't accept my payments. This is a blatin attempt to steal from me. It's wrong I've told them this several times. That added to undo stress caused by the extortion threats and harassing phone calls. I fear I may have to seek legal remedies