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

XX/XX/2021 : exercised right to rescind the contract due to XXXX XXXXS fraud. as evidenced on the XXXXecords, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXXS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, EQUIFAX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Product: Credit card or prepaid card

I had 2 credit cards closed by Citi on XX/XX/20. 

One account had just recently been opened ( XX/XX/20 ) and a statement had not closed yet, so my pending rewards of XXXX Thank You points disappeared. The other card, which had been open for years, had unredeemed reward dollars that had been accruing for awhile, as well as pending reward dollars from my most recent statement, totaling over {$2500.00}. 

On XX/XX/20, I contacted the number provided to me upon signing into my account regarding the closure and the automated system said that I had {$2400.00} in rewards available currently and after my statement closed on XX/XX/20, I would have {$2700.00} in rewards. I spoke to 2 representatives and they said they were unable to redeem any at that time, but I would be able to redeem all rewards after my statement closed on XX/XX/20. I asked why I was unable to redeem the points that had been available for redemption prior to the closure of the card ( {$2400.00} ) and the representative was not sure and said he was unable to do it. I asked for a supervisor to see if they had the ability to do so and spoke with an account supervisor who indicated it should be no problem. She forwarded a request to another department to have a check sent to my address for the rewards owed. On XX/XX/20, I received a letter from Citi in response to the check request stating that all previously earned cash rewards were forfeited when my account was closed. 

My accounts were in good standing prior to the closure. They had just approved me for another credit card on XX/XX/20, less than a month prior to closing both accounts, so this was out of nowhere. It appears to me that Citi merely closed my accounts so that they could confiscate a large sum of rewards and avoid having to pay them out.
Product: Credit reporting or other personal consumer reports

There was a recall on my daughters car ( I co-signed ) for transmission problems. ( XXXX ) I had it towed to the car lot. It was a class action suit for recalls. Nissan XXXX XXXX. Once they fixed it. They called and wanted to charge {$3000.00}. But it was supposed to be free. But since we couldnt afford to get it back. They sold it. They sent me a notice saying they sold it. ( XXXX ). The original price was XXXX. The payments were {$700.00}. The payments were current. We had the car for XXXX yrs. Prior to the transmission failing. So I paid {$25000.00} prior to the repair. Which would have only left {$6600.00} out of the total purchase.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 is impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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, credit repair services, or other personal consumer reports

I previously submitted 3 complaints each detailed fraudlent inquiries on my credit report on XXXX, XXXX and transunion it hasbeen more than 30 days they have not responded with proof that these were ligitmate inquiries. I requested that they be removed and as of this complaint they still have not been removed. As a result I have been unable to secure a loan and/or other extensions of credit.
Product: Debt collection

Meridian Financial Services posted 4 collection notices on my credit for something I knew nothing about. I called them to get information and they could not give specifics. All I could find out was that it was about some timeshare from 20 years ago. Then they mailed me a letter after I gave them my address to say the claim is valid because it has not been disputed. I turned this over to my attorney and he sent them a registered letter disputing the claims. 

We havent heard anything since. Clearly I did not have the opportunity to dispute before they significantly affected my credit. I am filing a formal complaint in this matter.
Product: Money transfer, virtual currency, or money service

I was the victim of a XXXX XXXX. I saw an ad for a XXXX excavator on craigslist. 
I called the number on the ad. After talking to the man and doing some checking on XXXX I decided it was legitimate. I arranged a loan at XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma. They did a little checking on their own and they decided it was okay. On XXXX the XXXX they wired {$40000.00} to Wells Fargo Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The business name was XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The man said he would deliver the machine the next Friday. Of course I never heard from him again. I have contacted various branches of the law. FBI, The Federal Trade Commission. The Oklahoma XXXX XXXX XXXX. Sheriff departments in Oklahoma and Ohio. I have heard from none of them. The bank in XXXX XXXX returned around {$5700.00} to the XXXX XXXX Bank in XXXX have not divulged the name of the individual who had the account in XXXX XXXX. The XXXX list XXXX registered agents as the agent. I called them and they cant give the name of the owner of the company. I assume this is someone overseas but if not I feel like something needs to be done to deal with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the CFPB to dispute a late payment that American Express is refusing to move for XX/XX/XXXX. I did not have additional documentation at the time but have gathered my statements. American Express is claiming they are reporting the information correctly, that my account was 30 days negative for this month. However, my statements show consistent payments during this time. I have not disputed the accurate information from previous late payments, only this one that was made in good faith to get back on track with my bills. My XX/XX/XXXX payment was received XX/XX/XXXX through the agency, and my credit report shows it as on time. My XX/XX/XXXX payment in question was received on XX/XX/XXXX yet it is marked as late. AmEx has not even reported payments after the XX/XX/XXXX, evidenced by the screenshot. When I try to correct this, I always get told about the integrity of the credit report, but it appears to me based off my statements and the other months on my report that AmEx is more concerned about saving face than admitting to an error.
Product: Student loan

I'm unable to remember the dates at this time but my issue is regarding the customer service of the Navient company. I saw a law suit due to the same issues I was having and I wanted to make sure I'm included in the class action. I had a 10 year repayment plan on my loans. During the first few years I called them and changed my payment to a higher amount ( because I was able to pay more ). When the time came that I couldn't pay the high payment anymore, I called them trying to lower it back to the approved minimum payment but they refused saying I don't have the right to lower my payment. The folks I spoke to ( and their supervisors ) seem to not understand my rights or even maintain basic math skills. It was a very frustrating period of time and I refinanced to use a different company but my wife is still stuck with them and we're trying to finish her debt so we don't have to deal with them again.
Product: Debt collection

XX/XX/2018 - Received a call from XXXX XXXX XXXX. They wanted me to confirm my address and I refused. They rudely, repeatedly and forcefully insisted that I was obligated to confirm my address. I told them I would not give out personal information over the phone to someone who I did not know. I told them to send me a letter to the address they had on file & they could confirm it that way. They insisted that theyd already sent a letter but I hadnt received anything. I said they should send me something in writing and do not call me ever again. 

XX/XX/2018 - Received another call from XXXX XXXX XXXX. Same conversation : rude, forceful and repeated insistence that I confirm my address. They insisted I owed them a confirmation of my mailing address. I said dont call me anymore, send me something in writing if you have my address. I told them I would not give my personal information over the phone and I clearly stated Do not call me again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX  stating that I owed {$7400.00} to a Mr. XXXX XXXX with " Inspiration and Results ''. ( I do not have a copy of this letter. ) XX/XX/2018 - Sent certified cease & desist letter to XXXX XXXX XXXX instructing them to stop contacting me. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Sent certified letter to XXXX XXXX XXXX as follow up stating that I dispute the debt. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Received another call from XXXX XXXX XXXX, similar in nature to the previous calls. I told them not to call me ever again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7600.00} ( see attached ) XX/XX/2018 XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7700.00} ( see attached )
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX My only name XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX florida XXXX My only date of birth is XXXX My only employer is XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute with Bank of America on XX/XX/XXXX I provided police report number as I was asked to my claim was denied numerous times a supervisor told me to ask for the supporting documents/ denial paperwork & I did on 2 seperate occasions over a month ago & have yet to recieve I called in & was informed my claim was back open as of XX/XX/XXXX for a reconsideration which I did not ask for as I was told claim couldnt be reopened without new information & I have not submitted any. When I call the claims department nobody can tell me why it is reopened or by who or anything about my own account! Ive spoke to supervisors & managers & still nothing they seem to think that it could be due to a complaint I filed but Ive filed numerous complaints against Bank of America to no avail I also filed another complaint against Bank of America at cfpb that was never responded to & its been over 60 days.. all I wanted was my money back that was stolen & I seem to not be able to as well as not knowing what is going on with my own account. Im tired of dealing with a bank that treats its customers like trash & works against them & treats everyone as a criminal. I feel as though my rights are being violated & Bank of America is not gflowing their own policies & procedures & is not consumer friendly I would like to know what is going on with my claim & why my claim keeps being denied when they have fraud protection & I did not authorize the charges in my claim Ive been treated unfairly & discriminated against & something needs to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card account. XXXX is not sharing my account information with Equifax. I already tried resolving the issue with Equifax. Equifax sent me a letter that I need to contact XXXX because they are not sharing/reporting my credit card account information with Equifax. 

My XXXX Credit card account does not show on my credit report with Equifax.
Product: Credit reporting or other personal consumer reports

I have not authorized this hard inquiry, please remove it as it is unfactual information on my credit report. 
XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX, XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX, XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that TransUnion conduct an investigation into this matter. Specifically, I request that TransUnion contact XXXX XXXX XXXXXXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXXXXXX XXXX  XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the FCRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information. 

Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that TransUnion delete this collection account from my credit report if XXXX XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that TransUnion take immediate action to correct this error. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

TD bank is not allowing me to link my XXXX account.
Product: Debt collection

I continually get calls from XXXX stating they are with Jason Craig and Associates.  Very nasty and refuse to leave a reason to their call when someone answers the phone when I am not available. I have NEVER even received any form of legal mail from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to Transunion on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent.
Product: Debt collection

my car was repossessed while i was in forbearance with XXXX. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XXXX ( XXXX payments left ). i lost my job while pregnant and notified XXXX immediately. no repossession fees and interest fees from 2013 have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.
Product: Checking or savings account

The incident began at XX/XX/XXXX. I received a text message from Chase, Fraud alarm Did you withdrawal {$3000.00} on XX/XX/XXXX? I immediately replied " No '', I checked my account from Chase app, the money was cashed so I went to Branch to file claim and close account. While I was sitting in branch with ID and debit card with me, there were still several withdrawals from different ATM near me. I was confused and even the bank stuff felt confused. All activities were denied after that, but the first {$3000.00} has no information and updated. I called consumer service so many times. They delayed the {$3000.00} check that suppose to send me and after XX/XX/XXXX, they said it was over three months, the case was closed. If I want to reopen the case, I need to go to police station and file the case, but police officers need affidavit form from Bank, but Bank didn't help a lot. I have to XXXX affidavit form from paid website. Now, I already went to branch for 3 times, police station 2 times. Still haven't file the case and reopen my case. I just felt so exhausted. I don't know how to protect my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. Equifax and XXXX have fixed some of them but XXXX  has not fixed any of the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I put in a verbal request of an agent at Experian, after a week of waiting they advised me that would not remove it, even though XXXX  removed it in one hour a few days before, it has been two weeks and I am still waiting for XXXX  to respond. It pushed my XXXX  score up 50 points, I need the same to happen on both, so that my wife and I can qualify for a mortgage or at least a new rental. It is so time consuming and my landlord needs us out of this house asap, so she can sell this house.
Product: Debt collection

I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I went to Experian 's website & disputed inaccuracies on my credit report. On Experian 's website, certain items were excluded from disputing. Items that were excluded from disputing are names and addresses.