23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got an email in the beginning of XXXX stating that due to me having a negative balance they would be freezing my account until the negative balance was paid off. The negative balance was paid off last week and my account is still frozen. They keep giving me the run around when I call. I also sent chats and emails to them and all they have to tell me is that someone higher up will get back with me through email. This is unacceptable, especially because they said my account would be unfrozen once the negative balance was paid off
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX / XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

In Violation of 12 CFR & 1026 ( c ) ( 2 ) Capitol One reported an amount in dispute as delinquent.
Product: Money transfer, virtual currency, or money service

Hi, Government Official My name is XXXX XXXX. My contact information : XXXX - prefer this communication after all phone number scams. 
Or physical address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I'm a victim of a scam which cost me {$1900.00}. 

The scammer called via phone that represents government agency, provided a lot of sensitive data, using government spoof phone numbers for example : XXXX XXXX XXXX pretend to be police department, XXXX XXXX XXXX pretend to be ICE ( Immigration and Customs Enforcement ). Demanded money transfer as a bill/ticket for some bureaucracy issue saying if not I will be detained by police department. The number XXXX XXXX XXXX googled as police department so I trust it, I didn't now that its possible that caller number is faked. Also provided this phone number : XXXX XXXX XXXX. 


They pressure via phone calls and asked to send money {$1900.00} via XXXX transfer to XXXX. As per Bank of America, it's XXXX XXXX account. Please help to persecute these scammers. Any email in XXXX linked to some account, so if there would be an investigation hopefully you can digging into this issue. 

Called Bank of America service immediately however not receive any response on time, file filed just on the next day when I informed that it's not filed the previous day. As per Bank of America, they can not do anything to help me to get my money back. Not hear anything back from Bank of America. 

Additionally to this need to complain about XXXX app practice - they not tracking and revert any activities. It's a very open system for criminals. There is no way to revert this type of transaction. XXXX should say by big word statement in the application that they do not revert money transfer if there is a scam. I read a lot on the internet about issues with XXXX since its beginning and still, there is no customer protection. XXXX is just a loophole for criminals. 



Also why a customer of phone service XXXX XXXX ) can receive fake calls with government numbers. It's extremely high risk due to this. It's almost XXXX. Somebody spoof the government agency 's phone number and people became very sensitive. 


Kind regards, XXXX
Product: Debt collection

I canceled my account with XXXX. I then paid off the equipment and made an arrangement to make monthly payments to pay off contract. Auto pay was setup and everything was going fine.. For some reason, there was an error on XXXX behalf that didn't take out XXXX & XXXX payments XXXX XXXX so they added me to collections which dropped my XXXX XXXX XXXX points.. After spending several hours on the phone been transferred all over the place they admitted it was an error on their part.. Yet, I was not removed from collections. A few weeks ago, end of XXXX, first week of XXXX, I called to try and resolve this because both XXXX and the collections agency both took payments out of my bank account..So, XXXX, of XXXX, suggested Reactivating my account with XXXX and that would remove me from collections.XXXX However, after Reactivating, XXXX did not contact Collections to remove them from my credit report.. I disputed and they still did not remove my collection.. I have been lied to, manipulated into reactivating my account with XXXX for nothing..Now, I face having to pay both ADT and collections to keep my credit safe! I am strongly considering filing a lawsuit and pursuing legal action. My name is XXXX XXXX
Product: Checking or savings account

Current the banking app randomly said my account was under review for fraudulent activity although nothing was fraudulent, they asked me to confirm mg identity and I did and they just closed my account down without telling me why after I asked repeatedly. They also said they arent reimbursing me for the {$350.00} that was in the account
Product: Credit reporting or other personal consumer reports

I notice a lot of fraudulent hard inquiries on my credit report over the last few years, I was u aware of this.
Product: Credit reporting or other personal consumer reports

Hello I am filing this complaint because I was affected by the Equifax data breach and I'm a victim of identity theft and all these accounts below listed are not mine and I have never authorized to open any of these accounts listed below please remove them immediately off all credit report agencies Accts to remove Equifax : Collections XXXX XXXX Credit Cards XXXX {$3000.00} XXXX {$960.00} XXXX {$2400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX  {$14000.00} XXXX XXXX {$31000.00} XXXX  {$4600.00} XXXX XXXX {$12000.00} XXXX XXXX  {$24000.00} XXXX {$9200.00} XXXX  {$0.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regions closed charge off. 



All inquires XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XXXX According to my student aid data, the loans were in grace from XXXX through XXXX, however grace is only six months and is not available for consolidation loans, therefore they should be considered in repayment and counting from XXXX since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for  damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General
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 dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX  Balance : {$9.00}
Product: Mortgage

XXXX XXXX and XXXX customer service person at Pacific Union Financial said they over paid our annual homeowners insurance premium because they made a typographical error. As a result, this created a huge escrow shortage in our account. Due to their error, they raised our mortgage payment. Pacific Union paid our annual homeowners insurance premium in the amount of {$2200.00} instead of {$290.00} and as of XX/XX/XXXX our house note went from {$700.00} to {$1100.00} a month. They were previously taking out {$150.00} a month for taxes and insurance out of our escrow account up until XX/XX/XXXX. As of XX/XX/XXXX, they now take out {$550.00} a month out of our escrow account. 
In XX/XX/XXXX, we got a check from XXXX XXXX for {$2000.00} for overpayment. There was no accompanying letter so we thought we over paid something. We have since made a {$2000.00} payment back to Pacific Union but our account still has not been corrected. We were told they would have to do an escrow analysis first before they could fix our account and lower our house note. Then XXXX said they would have to wait for taxes to be paid before they could do an escrow analysis. We called so many times and talked to so many people and were always told to call back in a few days, a few weeks etc., but our account still has not been corrected even though taxes have been paid. We have asked to speak to a supervisor and get put on hold and no one ever picks up. We have asked for supervisor or management names and info as to where to complain about this but were told they didn't have that information! This is horrible and a total nightmare. We have also been given conflicting information by some of the customer service people who said our house payment went up because Pacific Union mistakenly bought unnecessary flood insurance ( we already have flood insurance through XXXX XXXX XXXX XXXX ). We were even told we were going to get a refund however, XXXX XXXX and XXXX said that was not true and our account was never charged for that. 

I am XXXX years old and a XXXX XXXX veteran. My wife is XXXX. We live on Social Security and trying to come up with {$1100.00} a month is a huge struggle for us especially when they are the one who caused this problem. We have never missed a payment or made a late payment but we don't know how long we can keep up having to pay {$1100.00} instead of {$700.00}. Our other bills have to be paid, too. We need our account corrected and our payment lowered and no one at Pacific Union has done anything to fix this. We need immediate assistance as our money is dwindling and we don't want to lose our home because of a typographical error. PLEASE HELP US!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit report are unauthorized and should not have occurred in the first place. I have contacted the creditors and was told that they have requested the deletion of the inquiries. 

XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks XXXX date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX bank XXXX XXXX : XXXX bank XXXX Transunion XXXX bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to get a refi loan on my home. I was told I had co-signed on a car loan at a XXXX XXXX XXXX in XXXX XXXX, CO on XXXX XXXX. It is a joint loan with an XXXX XXXX XXXX and was given a name of XXXX XXXX. My name is not XXXX XXXX and I do not know who this person or person ( s )  are. I reported the error to Experian and they refused to remove this person from my credit report. I have since contacted the police in XXXX XXXX, CO and they are investigating the incident. I do n't know if they have used my social security number or my deceased husband 's but need to have this corrected as soon as possible. I ca n't seem to talk to a person at Experian so need some help getting this corrected asap. Experian seems to take the side of the credit union instead of listening to me. It is very frustrating. The same error is on my XXXX credit report. Thanks for your help.
Product: Vehicle loan or lease

From inception of the vehicle purchase the finance company has been allowing XXXX and of the XXXX family to unlawfully credit their account with XXXX  XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX starting from XX/XX/XXXX. 

The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Change of Terms letter was registered mail to Citizens Financial Group Inc XX/XX/XXXX Letter of Instructions were registered mail to Citizens Financial Group Inc. 

XX/XX/XXXX 1099a filing to the IRS was accepted
Product: Checking or savings account

After speaking with the Chase XXXX XXXX I was made aware that a specialist has now been assigned to my case. After speaking with her she was indeed friendly and seemed very knowledgeable. She stated that she would review my case and would need additional time. Which I do understand. She also made me aware that she would try to the best of her ability to find a solution for me which I appreciated but although she would attempt to find a solution theres no guarantee that the money can be credited back to my account. Upon review there was a credit to my account in the amount of {$440.00} for some transactions that were involved in the claim. I did appreciate this as well but Im still a bit disappointed and frustrated as the charges in question are a total of {$6200.00}. This does not make sense as all of the transactions were in the claim so for the bank to choose some to reimburse and not all is unfounded. Although Ive affirmed several times the transactions were not authorized by me I am still being held responsible. Im a working class citizen as well as a XXXX XXXX XXXX and I chose Chase because of convenience, perks, and their promise of protection with XXXX liability for transactions not authorized by you the account holder. I This is even advertised on their website which Ive attached. I have not received this service nor is anyone willing to investigate the said charged after speaking with multiple representatives the claim has remained closed without investigation. This is causing me stress as I have a parent who is XXXX veterans and I am their primary care giver. I am considering filing a formal lawsuit through litigation to included the balance of the transactions, the value of any assets lost while having to fight for the claim to be reopened, pain and suffering and having the attorney general inspect all claims that have been filed with Chase and denied without an investigation and even. as the bank is not holding up to their promise of XXXX liability and its a bit of a concern for me and any other consumer who banks with them. Ive done my reason since this claim was denied and I see several other members whos accounts have been drained and Chase still refused to assist them and held them liable for the charges. I would stand for this without any time of investigation because its simply not right. Although some progress has been made XXXX simple not satisfied with the mixed responses that Ive received overall, the experience being a member, and the broken promises stemming from policies that that have implemented, advertised, and even posted on their website. Although it does state it isnt given during every investigation I am still concerned as their claims team didnt feel the need to open an investigation at all. Hopefully there can be a solution within 15 days my last complaint or I will have to move forward with litigation and having all of their claims books and phone calls reviewed if they were closed without investigation. 


Best Regards, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I complained to Equifax about hard inquiries on my credit report that should not be there and also I always have problem with them in obtaining my free annual report every year. I discovered they have my name listed as XXXX XXXX my name is XXXX XXXX and as requested I mail to them a copy of my drivers license, copy of my social security card and electric utility bill. In that request I also wanted hard inquiries from XXXX XXXX XXXX, one from XXXX and XXXX removed I was given online a confirmation number of XXXX. 
On XX/XX/2018 they sent me an email stating they concluded and provided an online confirmation number of XXXX and I could not get online. Today XX/XX/2018 they sent me another email with the same confirmation number, I tried to get online again to no avail I used both confirmation numbers. 
I have had this problem with Equifax for years and is causing problems with companies when they tried to verified my information.