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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Open Date : XXXX XXXX, 2018 Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

Im writing to raise concerns about Zelle, especially after the recent CFPB lawsuit highlighting major issues with the platform. Despite using Zelle many times and reporting problems, neither my bank nor Zelle properly investigated my claims. I was told it was impossible to recover my lost funds and that tracking transactions wasnt an option. The CFPBs findings show Zelle has failed to protect consumers and allowed scammers to repeatedly exploit the system. This lack of accountability is troubling and puts users at serious risk.
Product: Credit card or prepaid card

I had requested a refund for a charge that was wrong. Amex found in favor of the business even though I provided screenshots of what I was quoted and what I was charged. Anyways back to my complaint, I asked Amex to close my credit card because I would recoup the {$100.00} I was overcharged by cancelling the credit card because this summer I wouldnt be charged the annual fee. Today, I get an email from Amex stating I cant close my account until I pay them back XXXX. I never agreed to any of that.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit file. I am a victim of a data breach, and the following accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove these items from my credit file. 
Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX/XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address systemic issues with Experian, including inaccuracies in my credit report, lack of transparency, discriminatory impacts, and practices that exploit consumer data for profit. Experians operations, including its foreign ownership and governance, raise significant concerns about accountability and compliance with U.S. law. These practices have directly harmed me by preventing me from accessing housing and credit, which are essential to my ability to participate fully in society.

Violations and Legal Basis : 1. Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Experian is required to adopt reasonable procedures to ensure maximum possible accuracy in its credit reports. Inaccuracies in my credit report have resulted in repeated denials of housing and credit, despite my lawful capacity to contract.

15 U.S.C. 1681g : Experian is required to provide full transparency regarding the information in my credit file. Experians opaque systems fail to disclose the methodologies and
criteria used in credit scoring, leaving me unable to effectively challenge inaccuracies.

2. Exploitation of Consumer Data Experian, as a for-profit entity, profits by selling consumer data while denying individuals meaningful control over their own information.

CFPB Fine ( XXXX  ) : Experian was fined {$3.00} XXXX for deceptive practices, including misrepresenting credit scores sold to consumers as those used by lenders. 

XXXX. Foreign Ownership and Lack of Accountability Experian is a multinational corporation headquartered in XXXX, XXXX. Its foreign governance raises concerns about its adherence to U.S. consumer protection laws. The control of American consumers financial lives by a foreign entity is inequitable and poses significant regulatory challenges.

4. Discriminatory Practices Under the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 : Experians reliance on traditional credit scoring metrics disproportionately excludes individuals who operate outside conventional financial systems, perpetuating systemic inequities in housing and credit access.

Impact on Me : Experians practices have directly harmed me by : -Preventing me from securing housing due to inaccuracies in my credit report.

-Hindering my ability to access credit, a necessity under a system predicated on debt and credit instruments. 
-Denying me control over my own financial data, which is used as collateral and sold for profit.
Product: Checking or savings account

1.I have never had an account with this company XXXX PREMIER XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX PREMIER XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Vehicle loan or lease

Yes I purchased a XXXX XXXX in XXXX on XXXX XXXX term deal the truck was to be paid off of XXXX but I got some advances on the truck they say XXXX to be exact so I paid the XXXX advances which made the truck pay off date XX/XX/XXXX now Ford credit is telling XXXX that I owe {$3100.00} on the truck which makes it 4 extra truck notes plus the extra months I have paid in XXXX which makes it XXXX extra payment and that is free money to whomever at Ford credit I have paid XXXX on a truck that really should have been paid off at the end of XXXX need help with this matter
Product: Credit card or prepaid card

XX/XX/XXXX i got an alert new account was opened with capitol one. The credit limit was XXXX the balance is XXXX. They use credit wise so this is who the alert came from on my capital one app. I'm trying to get a new home now this it also stated my social security number was compromised.
Product: Checking or savings account

- Me and my fiance ( XXXX XXXX XXXX ) have a checking account with Citi Bank since XX/XX/XXXX. We choose to put our direct deposits and finance in this bank. 

- On XX/XX/XXXX, I requested an international wire transfer from my Citibank checking account to my new employer, which is based in the XXXX. The wire amount was approximately {$20000.00} USD to purchase company shares. 

- On XX/XX/XXXX, Citi 's security department called me to ask follow up questions about the wire transfer and at the end of the call, Citi 's representative said that all of my answers were satisfactory and that the bank would be completing my wire transfer shortly. 

- On Monday, XX/XX/XXXX with no forewarning and no communication ( no email, no phone call, no notification via text message or the Citi app ), Citi canceled the wire transfer and blocked my checking account. Later that day, I called the Citi security department and they said that the only way to unblock my account was to wait for a verification code to be sent via a letter. They said that the letter would arrive in XXXX business days. 

- I have contacted the bank multiple times over phone expressing my frustration and asking for alternatives. No option was provided, and when requested to escalate the issue the agent hangs up on me. 

- It's now been 15+ business days ( today is Saturday, XX/XX/XXXX ) and the letter has not arrived. I've called Citi more than ten times, and each time they say that I must wait for the letter and that there are no alternative ways to unblock my checking account without the code from this letter which never arrived. 

- At this point, the bank is essentially holding my money XXXX and I'm unable to access the $ XXXX USD in my checking account. This has caused me immense financial distress and embarrassment with my new employer, because it's made it impossible to complete the wire transfer which was to purchase company stock. 

- Aside from providing no alternatives to access my money after their antiquated process failed, Citi 's customer service staff have also intentionally hung up on me mid-sentence on multiple occasions. The whole situation is totally ridiculous- blocking my account after verbally confirming that the wire transfer would be completed, blocking my account for 5-7 business days to wait for a paper letter, offering no alternative solutions when the letter did not arrive, and treating me in a very unprofessional manner over the phone.
Product: Credit card or prepaid card

I had a credit card payment to bank of america visa was applied three times, which was twice more than necessary. Three times the withdraw precipitated overdraft fees on my other bank account from which the payment was withdrawn. 

On XX/XX/2019 I manually paid a credit card bill of {$11.00}, which was due on XX/XX/2019. This was the total balance outstanding. On XX/XX/XXXX, another {$11.00} payment was automatically withdraw due to my auto-bill pay settings, but this should not have happened because on XX/XX/XXXX I had already paid. Then on XX/XX/2019 another {$11.00} was withdrawn automatically, precipitating more overdraft fees from XXXX XXXX. These two extra payments totally {$23.00} should not have happened and cost me {$36.00} in overdraft fees from my other Bank. 
I called Bank of America credit card services to complain and they said they would refund the extra {$23.00}, but it would take 5-8 business days. They said they would not refund my overdraft fees.
Product: Debt collection

The debt collector frequently calls my cellphone and my workplace daily some times twice or even more than twice a day. He is very rude and always uses threatening language. 

I have significantly paid a large sum of the debt agreed on, but for just a missed payment of {$50.00} the debt collector will continuously call even when he has auto pay for collecting the debt. for a missed payment the debt collector now threatens to increase the amount I owe and also threatens to drag me to court and worst he gets so personal. 
the debt collector company is D.Scott Carruthers, Attorney, XXXX XXXX XXXX, XXXX, CA XXXX. He always calls me on this number ( XXXX ) XXXX. 

I have also come to realize that he has not sent me any document detailing this loan, All I receive is receipts of payment, no agreement of paperwork pertaining this collection has ever been sent to me. 

I request to be protected from this ruthless caller even after agreeing to a bi weekly payment of {$50.00}. the man is harassing me over both my personal phone and my workplace,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute listing 3 inaccurate items on my credit report. After receiving a notice that the 3 inaccurate items were verified I mailed a letter via certified mail article # XXXX XXXX XXXX XXXX XXXX requesting the method of verification regarding the 3 items that were verified. the Fair Credit Reporting Act 611 ( a ) ( 7 ) WHICH ENTITLES ME TO THE EXACT PROCEDURE USED TO VERIFY THE INFORMATION, ALONG WITH THE BUSINESS NAME AND ADDRESS AND NAME OF THE PERSON THAT EQUIFAX SPOKE TO WITHIN 15 DAYS. Equifax failed to provide any information at all. 
Equifax failed to provide any response to my Method of Verification request. 
Due to Equifax committing this violation of federal law, I am entitled to a minimum of {$1000.00} for this violation. I also believe Equifax is in violation of FCRA 616 for willful non compliance as well.
I want the method of verification as requested and a {$1000.00} Cashiers Check or Money Order.
If the method of verification is not provided, I would expect my {$1000.00} payment and all 3 inaccurate removed from my credit report immediately. 
The confirmation # XXXX stated that the inaccurate items were verified. 
I sent the method of verification via certified mail # XXXX XXXX XXXX XXXX XXXX and it was received by XXXX XXXX XXXX on XXXX XXXX,XXXX.
Product: Credit card

Venmo 's credit card continues to reduce my credit limit, adversely affecting my credit score and causing ridiculous harm. Every time I pay down my credit card to reflect a reduced utilization, Synchrony Bank reduces the available limit to make my utilization 90 % or higher. I put all the extra money I have towards this card each month, and it's a waste of time! 

It is RIDICULOUS! For example, just this past month, I had an available credit limit of {$400.00}, and this bank reduced the limit to make an available credit limit of {$86.00}, screwing my credit score! Synchrony Bank continues to cause irreparable harm to my credit score, and I demand a resolution. I don't use this card at all.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Credit Report Information Removal of " Dead Name '' Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding my credit report that requires your assistance. I recently became aware that my credit report contains outdated and inaccurate information associated with my former legal name, commonly referred to as my " dead name. '' I have legally changed my name, and the court has officially recognized me as [ XXXX XXXX XXXX ]. The issue arises from the fact that my " dead name '' continues to be linked to my credit report, causing potential complications and concerns for my financial well-being. 

Furthermore, my personal information has been compromised due to the XXXX security breach, which exposed my details to the dark web and hackers. I am deeply concerned about the potential misuse of my outdated information, and I believe it is crucial to rectify this situation promptly. 

I kindly request the following actions : Removal of Dead Name : I request that you promptly remove any references to my former legal name from my credit report. Please update the information to reflect only my current legal name. 

Verification of Identity : To ensure the accuracy of this correction, I am willing to provide any necessary documentation to verify my identity and the legal name change.

Investigation of Security Breach Impact : I would appreciate it if the Consumer Financial Protection Bureau could investigate the impact of the XXXX security breach on my personal information and take appropriate measures to safeguard my financial data. 

I have attached a copy of the court order confirming my legal name change for your reference. Additionally, I authorize the Consumer Financial Protection Bureau to access any relevant information needed to address this matter. 

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this issue. Please inform me of the steps being taken to rectify this situation and provide updates on the progress of the investigation. 

Thank you for your time and assistance in resolving this matter. I look forward to a prompt resolution of this issue.
Product: Debt collection

On XX/XX/XXXX, I called XXXX XXXX XXXX at XXXX about a notice I received from Amsher Collection Services , Inc XXXX. The notice from the collections agency claims I owe a balance for service provided by XXXX in XX/XX/XXXX, last year. I have never once received a bill from XXXX for that service, so I was not aware that anything was owed until I received the collections agency notice. When I called XXXX they claim they sent two invoices, one in XX/XX/XXXX and a second in XX/XX/XXXX and have taken no other action to contact me since. I informed them I had NEVER received the invoices and had they called me once, emailed me once, or texted me once to make sure I received the invoice I would have handled the matter immediately. The balance owed is less than {$30.00}, so this compliant isn't because of the amount, it is the poor practice that resulted in this error, and I find it harmful that a company is allowed to send something to a collections agency without truly ensuring the party was fully aware of the balance owed. Sending something through the USPS doesn't guarantee it reaches the proper party as I have had mail stolen out of my mailbox, delivered to the wrong home, etc. So, for a company to assume two mailings made it to the proper person they aren't doing their due diligence, especially in this day and age. For a company to directly state it will not call or email its clients to ensure they have received an invoice, is absurd and poor business practice. I want to make sure my credit report was not impacted by their horrible corporate practices. Furthermore, for the collections agency to take on this balance without verifying appropriate effort was made to reach me directly makes them compliant in the poor business practice by XXXX.
Product: Credit card or prepaid card

I had XXXX worth of fraudulent charges made to my On XXXX XXXX debit card..starting from XX/XX/2020 to XX/XX/XXXX XXXX.I called to start my claim..Finally received my paperwork to fill out XXXX XXXX..Filled it out immediately and tried to fax to the numbers they provided to me. Had problems getting the fax to go through ( tried multiple times on a daily basis ) ..called on XXXX XXXX and they told me to scan and email it to them to a email address they provided me..called back 2 days later and they told me to wait a couple weeks..so around XX/XX/XXXX I called them and they told me they do not accept the fraudulent forms by emailso I sent it in the mail and kept trying to fax it..finally on XX/XX/XXXX the fax finally went through..I immediately called and they told me my claim was denied..XXXX XXXX I got a letter say I was denied and I could call there number and get a reasoning on why the investigators denied my claimI called at least 5 times wanting the reasoning on why I was denied and I needed my statements cause I was unable to log into my account to see all the fraudulent charges..after a month I finally got my statements but still never got a reason on why I was denied..I contacted local law enforcement and have a police report stating I was nowhere even close to where these charges were made. I also have documentation on my XXXX vaccination on dates that fraudulent charges were made showing I was in South Dakota when charges were made in California
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and fraud has occurred involving my personal information Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2 I formally request a fraud block to be placed on my credit report. Accounts listed as follows XXXX  XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX US BK CT-XXXX XXXX XXXX Record Type Bankruptcy Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX