23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX You said : Write a short brief description about how equifax, XXXX and XXXX not looking into validating accounts in regards to the lawsuit XX/XX/XXXX said : XXXX Equifax, XXXX, and XXXX, the three major credit bureaus, have faced lawsuits alleging that they failed to properly investigate and validate disputed accounts. Consumers have claimed that these bureaus continued to report inaccurate or fraudulent information without conducting thorough investigations, violating the Fair Credit Reporting Act ( FCRA ). The lawsuits highlight systemic issues where automated processes and lack of human review led to wrongful credit damage, financial hardships, and denied credit opportunities. These cases emphasize the need for stronger consumer protections and accountability in credit reporting practices. 





You said : Add me in there as a victim of this XXXX said : Youre giving feedback on a new version of XXXX. 
Which response do you prefer? Responses may take a moment to load. 
XXXX Response 1 Equifax, XXXX, and XXXX, the three major credit bureaus, have faced lawsuits for failing to properly investigate and validate disputed accounts. As a victim, I have personally experienced the frustration of these bureaus continuing to report inaccurate or fraudulent information without conducting a thorough review. Despite my efforts to dispute these errors, they failed to take the necessary steps to correct my credit report, causing financial hardship and obstacles in obtaining credit. These lawsuits highlight systemic issues where automated processes and lack of human oversight have led to wrongful credit damage, underscoring the urgent need for stronger consumer protections and accountability
Product: Credit card

On XX/XX/XXXX responding to an online welcome bonus offered by Chase Credit cards I applied for a Chase XXXXXXXX XXXX XXXX with a welcome bonus of XXXX points if you spent XXXX on purchases in the first 3 months from when your account is approved. Plus an additional XXXX points after you spend XXXX within the first 12 months if opening. My account was approved on XX/XX/XXXX and about 1 week later I received my card to use. I quickly spent over XXXX on the credit card. I received an email shortly afterwards congratulating me on reaching the goal and I would receive XXXX points since I spent XXXX on the account within 3 months. I immediately called Chase and informed them that I should be due XXXX as that I had applied online to receive XXXX offer not XXXX. They said they would Research and get back with me. On XX/XX/XXXX I received a letter stating " We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately, your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. '' I called spoke with a supervisor and he said he would research this again. Yesterday XX/XX/XXXX I called and the supervisor said that there was nothing they could do but XXXX was all I would receive. BTW the XXXX offer I applied for was still online as of yesterday. I informed the supervisor I even had a picture of the offer and they should be able to research and see that I clicked on the XXXX offer and I did not even know a XXXX offer was available. This has harmed in 2 ways first I didn't receive to appropriate points for the offer they posted online and second I could have charged XXXX on another airline and in doing so received a free companion ticket on that other airline. Please help. I have been " Bait and switched " Thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Every time I log in to Experian 's website, a " free '' trial that requires payment information is offered right after login. This is a tactic known as " dark patterns '' where a website will trick you into signing up for paid service you may not want or need. 

This is extremely unethical behavior and can cause consumers who simply want to put a federally mandated free fraud alert or credit freeze on their report to pay for an identity theft service. 

When opening up a bank account or credit card, you typically have no choice but to have your personal information sent to the credit bureaus. These credit bureaus have a responsibility to not deceive consumers when it comes to viewing their credit report or controlling their credit freeze. 

To add on to this, Experian 's mobile site makes it difficult to locate where you can submit a credit freeze but makes it very easy to find their " XXXX '' program which requires a paid subscription. 

These Dark Patterns hurts the standard consumer as well as victims of identity theft. While I am sure that these paid services can provide value, Experian is deliberately hiding free tools and services that are federally required to be free.
Product: Checking or savings account

Because I could not meet the minimum deposit amount I requested my accounts to be changed to simple accounts and pay a min of {$5.00} fixed maintenance fee instead of the {$14.00} or {$15.00} I was being charged. I just notice today that my checking got changed to a simple checking but not my savings account and I continue to get charged a $ XXXX  monthly fee. These fees go back to when I originally opened these accounts in 2011.
Product: Checking or savings account

I bank with Capital one my employer sent the money to them for me to receive direct deposit effective Friday XX/XX/XXXX and I have not yet received my direct deposit.
Product: Prepaid card

U.S. Bank branch at XXXX XXXX La XXXX XXXX, XXXX XXXX, CA XXXX, twice refused my request for a withdrawal via cash advance from a prepaid " XXXX '' salary card issued by XXXX XXXX XXXX. On my first visit ( XX/XX/year> ), the U.S. Bank teller stated that since the card was not embossed with my name, he could not honor my cash advance request. Back home, I complained to the issuer via phone, and was emailed a form document to present to U.S. Bank stating that it was legally obligated to execute a cash advance, per XXXX rule # XXXX. I returned to the same branch and same teller the next day, armed with the info on my phone. Again the teller refused to comply, smugly, not even looking at the letter, saying that it was against US Bank procedures, and he worked for the bank, not XXXX. He took my info and said a manager would call me.
Product: Money transfer, virtual currency, or money service

XXXX equity advertised 12 % return on money invested with them if held for 1 year. I agreed to invest the min amount of {$10000.00} ( XX/XX/2021 ) then later another {$10000.00} ( XX/XX/2021 ). The company was serve a cease and desist. They promised to return my investment but disappeared and never responded via phone or email. The company scammed me of {$20000.00}, I transferred the money to the scammers through Zions Bank
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ) specifically, Cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive. As they comply with error resolution requirements under the Electronic Fraud Teansfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience in financial loss, and I seek appropriate redness for these violations.
Product: Debt collection

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with XXXX XXXX XXXX Account Number XXXX This collection account is reporting OPEN, but also shows a balance of {$870.00}. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Product: Debt collection

The late dates for XXXX XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/year> ) are inaccurately verified, violating the FCRA. Despite multiple attempts to resolve this with the bureau and furnisher directly, the failure to address this matter promptly will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : XXXX : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.
Product: Credit card or prepaid card

On XX/XX/XXXX18, I paid off the entire balance of my Capital One Visa card in the amount of {$7600.00}. I made my payment before the due date of XX/XX/XXXX18. On 1XX/XX/XXXX18, I received a bill from Capital One for {$93.00} for more interest. I called and spoke to a representative and a supervisor on 1XX/XX/XXXX18 regarding this additional interest. I explained that I was previously a party to a class action lawsuit against another credit card company regarding this practice in which the court ruled against the credit card company. Since that time, I have seen several news stories reporting that this practice was illegal. Capital One refused to take this interest charge off of my bill, so I advised them that I would be filing a complaint.
Product: Prepaid card

Someone is fraudulently using my information for netspend, I have not been able to access netspend cards for over 6 months. Refuse to close or give me information.
Product: Credit reporting or other personal consumer reports

I have asked CFPB to investigateXXXX  for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Even if that's possible how is XXXX XXXX reporting and XXXX verifying inaccurate information. This has caused me to be denied due to inaccurate information because XXXX refuses to do their job. XXXX have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Product: Credit card or prepaid card

I got charged for a service I never received. An account was open not on my behalf & now Im getting charged for something I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I've asked for the past seven months that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.
Product: Mortgage

I received my annual escrow analysis from NewRez LLC, my mortgage company. and Informed I had a surplus in my XXXX  account for {$1100.00}. The statement was dated XX/XX/year>. As a XXXX resident I have the option of receiving a refund check for that amount or chose to apply it towards my principle or escrow account. I sent an enclosed form requesting for a refund check. That form was sent out on XX/XX/XXXX. After over a month I still hadn't received the check. I contacted a service rep on XX/XX/XXXX and I was told that the check was sent out on XX/XX/XXXX. He said that they would receive another check with XXXX to XXXX days. Check has never arrived. I contacted another service rep who also said that the check was sent out on XX/XX/XXXX. That is not true because as a XXXX resident a refund check can not be issued until I request that refund. There is no way they could receive my request for refund prior to them sending out a check. This is under XXXX law requiring the borrower to submit a request for refund or hold for escrow. Again according to law I should of received this check within XXXX days of the analysis, date XX/XX/XXXX, XXXX I was then told my funds would be direct deposit in XXXX days. The second rep I talked to said that they would direct deposit to my account, that never happened. Both reps mislead me and Newrez is not abiding by XXXX mortgage escrow refunds law..
Product: Credit card

Someone tried to open a credit card in my name at Best Buy. I received a letter from them stating that they were denying my attempt to open multiple cards on XX/XX/XXXX. 

I had a similar episode earlier in XXXX when someone tried to open a XXXX XXXX card in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Went onto XXXX and tried to get my Experian report. Kept failing to load. even Experian is n't coming up.
Product: Credit reporting or other personal consumer reports

I am seeking your support to address this incorrect account on my credit report. This has caused damage to my reputation, and I require your help. Your mistakes in managing my report have left me struggling, and the inaccurate reporting has ruined my reputation. You must remove these errors from my credit report.
Product: Debt collection

Franklin Collection Services has placed a collection on my credit report without notifying me 5 days prior of my right to dispute this debt. This debt has been added and constantly removed from my credit reports as I do n't have knowledge of this debt. It keeps being sold and reported without my knowledge. The law states that a debt collector MUST notify the consumer 5 days prior of their right to dispute and Franklin Collection Services failed to do this which is against the law. I have no knowledge of this account and do n't have a contract with Franklin Collection Services or the original creditor.
Product: Credit reporting or other personal consumer reports

none of the below companies were authorized to pull credit. They are not active/open accounts and they need to be removed - XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX
Product: Credit card

I was sent a solicitation from Navy Federal Credit Union for a XXXX XXXX XXXX XXXX XXXX. On XXXX I responded to the solicitation by filling out a applications online. I was denied after given my application, A denial letter arrived around 7-10 business days letter. My credit score was in great shape. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 in the case any action by an individual, such additional damages as the court may allow, not not exceeding { {$1000.00} } Pursuant 15 U.S.C. 1691 & 12 CFR 1002 clearly states that I can not be Denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.
Product: Mortgage

I was informed by the Servicer numerous times that I was in Active Loan Review for a Loan Resolution thus I would be protected from foreclosure until a decision was made. As stated in the first paragraph of the Servicers letter.

The letter clearly states : 'Therefore, we are prohibited from filing a new foreclosure action until your application is evaluated. If foreclosure proceedings have already begun on your property, we can not conduct a foreclosure sale before your application is evaluated. You also may be entitled to additional protections under State or Federal law. ' However, that was not the case. The auction continued to take place. 

I relied on their statements and what was written in their document to be truthful and honest. 

I feel like this was a modern day Land grab.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX CARD Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX-REPORTED Account Number : XXXX ; XXXX XXXX-REPORTED Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This consumer violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Credit reporting

I mailed a letter to Experian, in which I disputed various inquiries. This letter was sent on XXXX/XXXX/17 and I have yet to receive a letter from to address this issue. I contacted Experian on today, XXXX/XXXX/17 and spoke with XXXX as well as XXXX who advised they do n't investigate inquries as they are matter of fact. I explained to them both that according to the FCRA, any item on the credit report can be disputed, it does n't given an exception of INQUIRIES, being among any items that are off limits. I feel that they have failed to investigate the items and it has been well beyond 30 days and it is only fair that they remove the items that are listed on my dispute/request.
Product: Payday loan, title loan, or personal loan

I revoked authorization to my ach and debt card and received confirmation from moneylion there will be no further transactions against such account. The confirmation was on XX/XX/23. However, today XX/XX/23, I was charged {$920.00} by MoneyLion to the account they were no longer authorized to debt and confirmed they would no longer debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem was managing a security freeze with Equifax on XX/XX/2021 at XXXX PDT. I have been able to do this many times in the past. I first tried it online at myEquifax.com. I received an error stating that their system was unable to retrieve the status of my freeze. The system provided a phone number ( XXXX ) to call for assistance. I was connected to agent XXXX ID XXXX. I was told that their system was down and I should try again in a few hours. She was unable to provide any insight into when the system would be available.
Product: Checking or savings account

I was chase private client customer, I was getting free safety deposit box, chase downgraded my account to premium checking back in XXXX XXXX, I was not charged any fees for safety deposit box till now, Chase is saying that they sent me letter back in XX/XX/XXXX about charges, I never received that letter, now they charged me unauthorized fees for locker and when I am telling them that please close locker and refund my fees, they are saying even if you close locker your fees will not be refunded.