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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

more incomplete information that is not mine on my report. This is the third time in the last XXXX  months XXXX XXXX XXXX need to be removed XXXX XXXX  needs to be removed Evidence is attached below.
Product: Credit card

On XX/XX/XXXX I took a cab from XXXX XXXX XXXX XXXX to the XXXX XXXX. I was quoted {$75.00} USD and charged an amount reflecting this amount via a card reader. I was not provided a receipt even though the merchant said it would be sent to me. When I looked on my credit card statement I had a charge of {$1700.00} from a merchant titled XXXX XXXX XXXX XXXX XXXX. 

I have been unable to locate or contact this merchant but disputed it immediately. Citibank denied my dispute. I called and asked them to provide documentation supporting their denial as well as a receipt for the purchase or any communication from the merchant. They refused all of the above. I never agreed to pay this amount. I do not recognize this merchant and there is no contact information available.
Product: Credit card or prepaid card

Netspend sent me an unsolicited Mastercard IN THE MAIL and I did not request it. It is illegal to send credit cards in the mail as a promotion. Further, you have to opt out in order to cancel the card and it takes 30 days to be removed from their mailing list. ARE YOU SERIOUS!! They should not be allowed to do this and of course I had to XXXX a good contact number as it was not provided in the advertisement.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Mortgage

I was contacted via phone about refinancing my home with a streamlined mortgage by New Penn Financial. The loan officer was promising me numbers and rates which eventually did not pan out. When he contacted me about the mortgage loan I asked him to give me a better idea of what the true benefit would be if I decided to refinance. He told me he would discuss numbers with his boss and ultimately what he promised did not pan out. I was n't too upset, because I was n't really too hard set on refinancing my property if the benefits were not worth the trouble. I then reviewed my credit report and saw that New Penn Financial pulled my credit without my permission. I never agreed to a hard inquiry and they did it anyway. Nothing was ever communicated in writing outside of a welcome email. All of our contact was over the phone and I do not understand why my credit was run without my permission. I 've attached my call log with XXXX XXXX and a voice mail he left about a quote and not being able to secure a previously offered lender credit.
Product: Checking or savings account

On XXXX I ordered security cameras online that came to a total of {$400.00}. My order was falsely marked as delivered by the delivery service. I reached out to the company I ordered from and they told me they would not resend the item or refund the amount paid paid. I disputed the charges with Chime and included copies of communication with the delivery company as well as the company I ordered from. I requested a refund in the amount of {$400.00} due to product not being delivered. My request was denied and I requested the documents used to make that decision and had a right to receive that information within 30 days. That request was made on XXXX. Chime ignored my communication attempts and refused to send documents for over 60 days. Documents were sent on XXXX and only contained the false delivery documents that I had provided and attested that were untrue and had not been delivered. By that time, I had surpassed the deadline to file any other complaint which Chime did intentionally so as to not have to refund my payment. I continued to make attempts to solve this matter until XXXX when I filed a rebuttal with Chime and never received communication from them afterwards. They have refused to respond in a timely manner and one that would protect their customers from unfair practices of merchants and delivery services.
Product: Checking or savings account

I deposited certified funds into an employee account. The employee was told that the funds would not be credited. I went to the Wells Fargo branch that received the deposit and the manager provided no solution, no return of funds nothing. He told my employee this was my problem. How can Wells Fargo keep certified funds? How could this pass an audit?
Product: Checking or savings account

I accompanied my friend to Wells Fargo Bank on XX/XX/2022. My friend wanted to add my name to her safe deposit box as a backup in case anything happened to her. To do this, Wells Fargo required me to provide various information, including my license, SSN, employer, etc. At the end of this, Wells Fargo provided me with a contract to sign, which included a mandatory binding arbitration agreement. Upon seeing the terms of this contract, I was unwilling to sign and asked them to cancel the transaction. However, they said there was no way to cancel a transaction once it was started -- that it had to be completed, despite my disagreement with the terms of the contract. 

At this point, we reached an impasse. To resolve the impasse, my friend decided to close the safe deposit box and be done with it. 

However, before we could leave, Wells Fargo required me to sign that I received and agreed with their Customized Summary of the visit. Again, I refused to sign, as I wanted the whole transaction cancelled and did not agree to anything during the visit. In particular, I did NOT agree to the terms of the safe deposit box contract and did NOT agree to the forced arbitration agreement. 

Because they could not obtain my signature, instead, the Wells Fargo representatives signed an attestation that " A member of branch management confirmed the customers consent either in person at the branch or via phone call. '' This was not true - I never gave consent. 

Now, I don't blame the bank representatives -- they appeared to have no choice. Wells Fargo set this up in such a way that bank representatives can not cancel a transaction when a customer refuses the terms of the contract, but must instead move forward and get some type of signature on the customized summary. It shouldn't be this way -- no one should be forced to agree to the terms of a contract that they haven't seen yet, and customers should always have the right to abort the transaction and not sign.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Chase effective XX/XX/XXXX. When the transfer was complete on XX/XX/XXXX, I was able to sign in to the Chase App and use Chase.com to view my balance, escrow, and principal. I was even able to set up a checking account to make payments from. 

However, when I was signing in to set up my payments for XXXX, I was presented with two agreements I was required to accept before using the Chase App or Chase.com to pay my mortgage. 

The first was the Online and Mobile E-Sign Disclosure and Consent Agreement. I had no problem reading and agreeing to the terms there as it was a routine electronic communication agreement, and 10 pages long. 

My issue is with the Digital Services Agreement. It is a 124-page document containing terms and conditions including holding JP Morgan Chase blameless for any interruption of service, agreeing to no warranties ( express, implied, statutory ), and an agreement to settle any dispute with binding arbitration. 

I was not consulted regarding the sale of my mortgage. I was not asked to consent to the sale of my mortgage to JP Morgan Chase. I do not accept there terms being forced on me in order to pay my mortgage. JP Morgan Chase has employed bait-and-switch tricks to force me to agree to a set of terms and conditions I was not presented with during the transfer of my mortgage. This appears to be a legal maneuver rather than good underwriting.
Product: Student loan

ACSXXXX is a student loan that has been paid in full and should not be a delinquent account on my credit report
Product: Credit reporting or other personal consumer reports

IVE DISPUTED THE INCORRECT REPORTING OF A DEBT THAT'S NOT MINE ON MY REPORT THEY STATED IT WAS VERIFIED. tHE COMPANY IS IMPACT XXXX XXXX on XX/XX/XXXX i called i to speak to them and i asked them how do they verify a debt and they stated they cant verify anything not even a original contract which i asked for from the debt validation letter and they stated they purchased the debt but dont have any access to any contracts or any proof to verify they debt they are collecting because they purchased the debt. 
so i called experian XX/XX/XXXX and i asked them how do they verify a debt when reinvestigated and they stated also i have this on recording as well that they just send a letter to the debt collector and ask them for my birthday and name. so i stated so for the record yall dont investigate anything on your own not even to see a contract or proof before you report it and he stated correct we dont do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were created without my consent. I did not authorize any of these transactions. 

XXXX XXXX Balance {$1100.00} opened XX/XX/XXXX / WF/XXXX  Balance {$4500.00} opened XX/XX/XXXX XXXX XXXX Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX  XXXX  ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$34000.00} XX/XX/XXXX
Product: Debt collection

I went for XXXX XXXXXXXX which was paid off. In the beginning when I was going for XXXX, they gave me a break down of the items that I would be billed for. I asked several times to make sure that that was the final cost and that there wouldn't be any extra charges incurred. I saved up the amount that I needed to pay for the XXXX and even paid it ahead of time. I have proof of payment and receipts from the same company that keeps on sending me invoices. I was never told that I owed {$1500.00}, only the {$1700.00} that I have paid already. They are saying that the balance I owe from the {$1500.00} is {$41.00}. I have never seen this cost before, only the {$1700.00} that I have already paid. There is also another bill from the same company that claims that I owe {$390.00} for the same XXXX. I have already closed all my accounts with this company and paid everything in full before the XXXX. I tried to contact them but no one answers the phone or returns my messages. I even sent letters to the company with proof of the payments that I've made. I have the first invoice given to me by the nurse during the XXXX XXXX  which outlines the breakdown of costs and the total that would be due which I paid in full.
Product: Credit reporting or other personal consumer reports

Complaint Summary : This complaint concerns XXXX  previous inaccurate and misleading reporting of my auto loan ( # XXXX ), which, while now removed, caused substantial financial harm and emotional distress. Their violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) have harmed my creditworthiness and caused unnecessary stress. I am seeking damages for the harm caused and request CFPB intervention to ensure accountability. 

Details of the Complaint : 1. Previous Inaccurate and Misleading Reporting XXXX reported inaccurate late payments, repossessions ( R ), and charge-offs ( CO ) to my credit report from XXXX to XXXX. These reports were : Unsubstantiated : XXXX failed to provide documentation to verify the accuracy of these entries. 
Misleading : Repossession and charge-off entries were reported repeatedly over several years, creating an unfair impression of ongoing delinquency. 
These practices violated FCRA ( 15 U.S.C. 1681e ( b ) ) standards for accuracy and TILA ( 15 U.S.C. 1666b ) notice requirements. 

2. Failure to Substantiate Reporting During Disputes Despite my disputes, XXXX failed to provide documentation to substantiate : The validity of reported late payments. 
Proper notice of delinquency or repossession, as required under TILA ( 15 U.S.C. 1666b ).

Their failure to substantiate this information violated both FCRA and TILA. 

XXXX. Harm Caused by XXXX Actions Financial Harm : The inaccuracies damaged my credit score for an extended period, resulting in : Higher interest rates on loans. 
Denial of financial opportunities. 
Increased financial burden. 
Emotional Distress : The prolonged reporting errors caused significant stress and frustration, as I was forced to repeatedly dispute incorrect information and deal with the consequences of a damaged credit profile. 
Legal Precedents Supporting My Complaint : XXXX XXXX XXXX XXXX, 115 F.3d 220 ( XXXX XXXX XXXX XXXX XXXX Credit furnishers must verify disputed information and ensure accuracy. 
XXXX XXXX XXXX, XXXX, 520 F.3d 1066 ( XXXX XXXX XXXXXXXX ) : Misleading and unverifiable information must be corrected or deleted. 
XXXX v. XXXX XXXX XXXX XXXX, 45 F.3d 1329 ( XXXX XXXX XXXX  ) : Consumers can recover damages for emotional distress caused by FCRA violations.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Student loan

In the beginning of re-payment, payments were misapplied. Co-signer was harassed with 30+ calls a day. It took at least 5 phone calls to several different people for them to figure out it was there issue. Two years later, I 've never missed a payment and asked for a 6 month deferment due to attending the XXXX and was told " NO, get you cosigner to pay it ''.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.
Product: Credit reporting or other personal consumer reports

this account was opened fraudulently and this is my 3rd time asking for help. i have no knowledge of this account and gave no XXXX consent. i am a senior citizen and i do not have XXXX phone service. I've been scammed and i need help. this was opened XX/XX/year>2023. i dont understand this
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX VXXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX  Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$560.00} Date XXXX : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

I called Equifax to get my credit report on XXXX XXXX XXXX. And after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b, I also attached my credit report and letter showing that Equifax is in violation of the FCRA.