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

Experian has refused to remove an erroneous entry on my credit report. The debt is under legal dispute and between my attorneys and me 8 letters have been sent to Experian dating back several months. We began by sending this to all three bureaus and Experian is the one bureau that simply refuses to remove the entry. We have cited which violation the creditor is guilty of violating and they still refuse to remove it. As a matter of fact, within the receipt of the letters, they sent me a letter confirming that they refuse to even investigate the matter further. The letter stated that they refuse to investigate a dispute they already investigated. In one of my many letters, I even asked for them to provide exact details for how they confirmed the entry considering the other two bureaus never gave me this type of trouble. At this point, it appears they are more interested in hurting my credit than making sure they are reporting it accurately.
Product: Credit card or prepaid card

I applied to the Citi bank small business credit card ( CitiBusiness / XXXX XXXX XXXX Mastercard Credit Card ) sometime in XXXX and they were requesting a form 4506-C for the request of my tax return transcript. I sent via mail and they got back to me that the form has been incorrectly filled out and instructed me to send in via email to XXXX XXXX so I did send in that document on XXXX and called to get a confirmation that they received the document. I called 2~3 times just to make sure if they received the document and they confirmed. I called again last week to have an update on my credit card application and they told me that they received my tax return transcript from IRS and are processing it. I just called today and the representative stated that the application is canceled because I did not take any action for more than 30 days. 

I did send in the documents via email on XXXX and it clearly has not been more than 30 days. I would understand if the application is denied for a proper reason but I do not accept this credit card application cancellation. 

Application ID : XXXX
Product: Debt collection

I would like to file a complaint and dispute this charges on collection. I sent a written disputed letter since I am not aware of this company. But never received anything after filing a dispute for this charges on  XXXX   XXXX ,   XXXX   which they indicated I have 30 days to dispute this charges. Please see attached for the dispute letter I have sent to this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX******************* Please remove it from my credit report.

2. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report, has violated my rights. 

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 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.
Product: Vehicle loan or lease

hyundai finance trying to bill me for excise tax on XXXX for car returned in XXXX told them they were the only people that could get an abatement as they are the owner of the car took them 6 months to apply for the abatement and they have recd there mony but are still lying and messing up my credit i repeat they got paid they made my 36 month lease into reporting paid as agreed an extra 5 months and then 3 more months as late payments wrong so they commited fraud knowing they applied for the abatement and continued to charge off on my credit report and they got paid listen i returned the car to hyundai in XXXX of XXXX im not the owner in XXXX they got ther abatement now fix my credit or
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF EQUIFAX, XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I added a new bank account to make payments from, and submitted a full balance payment. The payment was returned and I was charged a {$30.00} fee. I called my financial institution XXXX XXXX XXXX to see why the payment was returned and they advised me that no payment has been put through their system. Immediately I called Rooms to Go Synchrony bank credit card to see why the payment had been returned and the {$30.00} fee was charged. The customer service told me that payment was returned because " account closed ''. I told her my account was not closed cause I had just spoken with my bank XXXX XXXX XXXX and everything was in order on their end. I asked the customer service if I could verify the account number and routing number to see if maybe that was the issue. She said just to go online and do the payment again and that returned payment fees could not be waived. I asked to speak with a supervisor and she said the supervisor was going to tell me the same thing and she put the phone on hold until I decided to hang up after 55 minutes waiting and nobody answering.
Product: Debt collection

On XXXX at XXXXXXXX XXXX A debt collector from ALLIED COLLECTION SERVICE called me but the phone call got cut off so he called from another phone number which is XXXX ( XXXX ) XXXX at XXXX I answered and he instantly said " you need to pay your debt '' and didn't even say who it was I assumed it was someone else since it was a different number than the first one. I asked who it was and he said " you know who this is! " in a yelling tone and I said " excuse me? '' and he said " you need to legally pay for your debts '' and I responded " excuse me you need to watch the way you are speaking to me '' and he said " I do not need to watch anything '', so I ended the call! At XXXX He Called me once more and said ok since you don't want to pay we are going to continue to add more fee to your bill and I said ok and hung up again '' I believe you guys record the conversations when they call to collect a debt so please have the company review the conversation because that is no way to talk to someone especially on the job!
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered. To the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. Please remove this charge from report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit highlighting critical issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds and tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiry that I have listed is fraudulent and a result of identity theft and must be deleted pursuant to 15 USC 1681c-2 of the FCRA. Also, please update my personal information. 

SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a XXXX that was branded as debit card in the USA in XXXX to customer like us. Their key features is provide a XXXX XXXX XXXX allow user to pre-deposit cash into XXXX account and use out of XXXX  balance. Or, user can add their own credit cards from other bank to XXXX App, allowing user to use XXXX  card as a proxy to in online purchasing, and eventually charge user 's credit card. 

I registered their XXXX XXXX in XX/XX/XXXX, and proactively termininated the accounts after 3 months in later XX/XX/XXXX because I rarely use it. 1 month after I terminated the XXXX XXXXXXXX account, they posted on my credit report ( equifax ) as a closed credit line or closed credit card. The record appeared as " XXXXXXXX XXXX XXXX  closed at XX/XX/XXXX. 

They provided misleading information in branding their product, hiding critical information about the nature of their financial serivce, and hurt my credit history. Their service never functioning like other well-known credit-card company, and they have never claim them to be one, and yet their essentially doing that. This is both misleading and disgraceful as a XXXX XXXX.
Product: Checking or savings account

Citibank let a merchandise XXXX XXXX XXXX overcharge me XXXX from a my checking account without me having funds I did reported this transaction in the past this company did not did anything about it also charged me same fraudulent amounts from another credit cards without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

From XX/XX/XXXX -- XX/XX/XXXX. 
Someone used my phone and credit card by purchasing XXXX account. I tried to dispute those charges which is XXXX. Dollars. 
However they don't believe me. 
I never authorized charges. 
I never got benefits from XXXX This is for my chase credit account
Product: Mortgage

Hi! We were approved for HAF with payments to start XX/XX/XXXX. They have made two payments to Ameris Bank XXXX # XXXX. Ameris states they did not receive any payments from HAF. HAF  states there was two payments sent with the first on XX/XX/XXXX and another on XX/XX/XXXX. I have spoken multiple times with HAF to no avail. Ameris continues to say they haven't received it. In the meantime, our mortgage was transferred to Truist effective XX/XX/XXXX which I have notified them of multiple times and even called to verify they had the correct information. What recourse do I have as I am stuck in the middle of this mess? HAF states they have sent proof of payment to Ameris Bank. 

To make a long story short, we are missing two  payments that Ameris has received that should be forwarded to XXXX Bank XXXX # XXXX. 

I would greatly appreciate any help you can provide. Thank you!
Product: Payday loan

I was given a loan of {$650.00} and was told the finance charge was {$220.00}, i was not told that this was a charge i would be receiving every 2 weeks for over a year. I was not told that my finance rate was 800 % and when i was not given any time to look over my documents before making a decision.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ] and followed up on [ XX/XX/XXXX ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Checking or savings account

Around XXXX, XX/XX/year>, I was in the branch of XXXX XXXX FL to take advantage of the new account bonus {$600.00}. ( Please see attached image for the account promo details which also can be found on the bank website ). As the new account bundle bonus include the new checking and savings, I decided to go with opening only checking account ( {$400.00} bonus ) with help by the branch client advisor, XXXX XXXX. Before starting the application, I emailed XXXX the website link with the promo details ( Please find attached image of email conversation ). At the end of application, I refused to apply the debt card as the promo term does not need any debt card purchase. 

I completed the requirements before XXXX XXXX, marked the XXXX day of account open. There was {$300.00} bonus deposited to the checking account on XXXX XXXX. On the same day I contacted XXXX about the {$100.00} bonus shortage. After a week investigation, I was informed the reason I did not receive the full checking bonus {$400.00} is because I did not complete XXXX debt card transactions. I double checked the website promo terms as well as the promo email sent to XXXX on the day of account open, I did not find any wording about debt card purchase. The back office replied with the promo terms which is totally different from the promo I applied for during the branch visit. All the email conversation record has been attached for your further review.
Product: Vehicle loan or lease

I made my XXXX payment on XXXX. It shows in my payment history and has been withdrawn from my checking account but my account still shows due for the XXXX payment. 

I called the company on XX/XX/14 and they said it would be fixed within 24 hours. It has not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue EXPERIAN, and this is proof of my ordeals.

1-I have attached to this complaint the tremendously inaccurate accounts which you are displaying on my reports. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE and that is WHY you are refusing to understand the incorrectly information when it comes to XXXX! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE on my XXXX card # XXXX  ... you are illegally reporting incorrect information. There is 1 ACCOUNT on my credit report from XXXX with STATUS " CLOSED '' with a false 30 day LATE on it and another one that is displaying the same information in the OPEN accounts with the same account # ( that is the accurate one ). DELETE the one which is LATE and CLOSED, that does not belong to me. MY CARD IS OPEN and late-free! I do not know the closed one is with the 30 day late ... it is not mine or accurate. This is not an account that belongs to me and the information is inaccurate, mixed up and false.

2- Second reason why I am going to sue you is that you have not carried out on an investigation into XXXX # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!

I have disputed this multiple times and my recent response from Experian was absolutely off from what I believe that they sent me the wrong response. Their response to me seemed to me was meant for someone else. I didn't dispute anything regarding " child support '' and they claim my dispute was regarding child support, which is very confusing. They responded to me regaining multiple things which I never referenced and do not know who they belong to.

So, basically they may have sent my response to someone else and now I am worried my information has been compromised.
Product: Debt collection

Security Finance of XXXX, Texas has been calling me to collect a debt. They have called me numerous times at work. The calls started XX/XX/XXXX in which Security Finance contacted the Administrative Offices at my Job. I was sent Emails about these calls and warned about personal calls. The phone number was always the same number which is from Security Finance. XXXX, a man by the name of XXXX called me, a XXXX called me, XXXX called me. I received numerous calls and I asked the Security Finance not to be calling my job. They were sent a written notice in the mail XX/XX/XXXX. On XX/XX/XXXX, XXXX from Security Finance called me on my cell phone regarding the debt. I told her I did n't have any money right now and that I am pending a filing on the bankruptcy. XXXX said well, call me back to see if you can make a payment. I told her to make sure no one calls my job. This is the XXXX time I told this to XXXX. On XXXX, a call was made to my job after a notice was sent and Security Finance notified not to call me at my job. A young lady picked up the phone by the name of XXXX. She was very rude and stated that she did n't see any notes indicating I asked not to call my job. I asked to speak with a Supervisor. I spoke with a lady named XXXX and told her of the incidents. She claims they did not see the notes. Today, I was told that I could not get personal calls at work in Administration. I was verbally warned that if the calls continue, I would be written up and possibly fired. I feel that Security Finance has over stepped their boundaries of calling my job when told numerous times not to call. These type of calls have led to harassment type of calls. Security Finance 's excuse was that they could not get a hold of me which was a lie because I had just spoken with XXXX XX/XX/XXXX and they called my job XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a debt consolidation company and paid off a negotiated settlement with American Express and XXXX XXXX. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.