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

I am filing a complaint against XXXX XXXX XXXX and Experian for failing to properly investigate my disputes regarding my money refund and inaccuracies in my credit report. Despite my submissions, XXXX XXXX XXXX XXXX 
consistently responds within XXXX hours stating the account is accurate, without providing any refund or evidence of a thorough investigation same as Experian did. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Also This violates the FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX # XXXX shows similar violations. Requesting compliance with federal law and proof of dispute investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about the way Zelle handles disputes. In light of the recent CFPB lawsuit that highlights many issues with the Zelle platform, I would like to express how Zelle has failed me many times. When reporting discrepancies, Zelle has failed to investigate adequately. I was informed that there was no way for reversals and that they werent responsible because there is no way to track the transactions. The findings from the CFPB indicates the neglect Zelle has displayed for its consumers. They have neglected to protect their consumers as well as allowed for offenders to repeatedly exploit the system. This raises serious consumers about consumer safety.
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that i owe them a debt that I have no knowledge of
Product: Money transfer, virtual currency, or money service

I was using the cashapp to receive money from a guy that I sold a phone too. The guy sent the money and the Cashapp was supposedly holding it for 48 hours to make sure I sent it. I had to send a photo of the tracking information. I never received my money and was told by email through the cashapp that he the buyer was to send another payment of {$500.00} to be able to release my money and he did. But then they wanted me to go buy 5 {$100.00} XXXX XXXX cards and scratch of the back of them and send a photo to them. I didn't as I believe this is a scam and I went and stop the photo through usps to be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Debt collection

I've been working with XXXX regarding a " Debt ''. I haven't been dodging his calls we've spoke and unfortunately had a miscommunication with the settlement amount. I was ready to settled as I thought we had agreed to a certain amount to settle and when i received the letter with the settlement amount it was different than what we discussed. he said he was unable to make a change to the settlement amount and i understood there was only so much he could do, so i asked him if he could have his manager call me back.. His manager called me back and I'm shocked at the absolutely disrespect from this guy. I understand being is this business is hard, but there is no excuse for his behavior, it was the job he agreed to take, however the level of disrespect and the tough guy act was not what I was interested in what so ever and I hung up on him, I will never be disrespected by someone like that. I'm looking to settle today and someone with some common sense and a level of respect for a person not trying to dodge them and actually take care of a balance with a reasonable offer, can call or email me and we can get this done I recently found out that this collection agency has had my account since XX/XX/XXXX I have the legal right to be notified in writing prior to my account being reported to my credit report. Hunter warfield has  continued to threaten me about reporting an account that they have not provided me an opportunity to dispute or be properly notified in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). Collections are illegal per 15 U.S. Code 1681c ( a ) ( 4 ). I did not give you permission to report on my consumer report. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any information to my consumer report. This highlighted entry must be deleted per 15 USC 1681c ( 4 ). I demand that this account be removed.
Product: Checking or savings account

Betterment fraudulently withdrew {$900.00} from our bank on XX/XX/XXXX. This was discovered by us during an internal audit. On XX/XX/XXXX, we raised the issue with Betterment asking them for an explanation of this fraudulent transaction. It's been 3 weeks since we originally brought up the issue with them. After my initial 3 unanswered emails I finally got a response saying they were " looking into it '' over a week ago after I threatened to report them. They've since ignored subsequent emails asking for a status update into the funds they've stolen from us. I'm filing a complaint with CFPB today because of their unprofessional behavior and lack of common courtesy to even provide basic status updates of their supposed " investigation '' when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX 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.
Product: Checking or savings account

This is a follow-up complaint to complaint # XXXX, which was improperly addressed by Chase bank. This is concerning Chase claim # XXXX. The claim was incorrectly denied by Chase on two different occasions, on XX/XX/2020 and XX/XX/2020, based on false information received by the airlines. I provided chase with documentation stating that the airlines canceled the ticket and allegedly issued a refund, but all employees at Chase, including this XXXX person who was handling the original complaint, refused to review any information, even after I left several voicemails asking for a callback. 

I sum, this is where I am standing : 1 ) Chase claims that the airlines has verified he transaction as correct, and referred me to the airline for a resolution 2 ) The airline claims that the ticket was cancelled and a refund issued, however, no refund has ever posted to my account and ; referred me to Chase for a resolution. 


At this point I am in limbo and dealing with two incompetent companies, all the while I am out of {$350.00} during very tough financial times. I have tried my best to resolve this issue with Chase amicably since XXXX when that reservation was cancelled but I have reached my limit. Should this claim not be processed correctly and that transaction reversed as it should be because the airline never issued the refund they were supposed to issue, I will bring legal action against Chase and Visa in the New York Superior court, and will also get the media involved. This is my mother 's money and she is XXXX and frail. I am attaching the last email from XXXX XXXX stating that the ticket was revoked, that refund should be expected, and that I should contact my bank for further resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditor XXXX has violated my rights under 15 USC 1681 Section 602, which states that I have the right to privacy.

Under 15 USC 1681-604a Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. Unless they mail out documents 21 days before due date.

I did not receive any letter requesting consent to furnish said account in a negative manner. I did not give verbal nor written instructions under any circumstance. 

This ( 1 ) late payment caused my credit to drop XXXX points, consequently impacting my opportunity to purchase a home for my family and me. I need this to be rectified immediately. I have requested that they correct this issue several times. I need to know the next steps to leverage and engage a consumer lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 written to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cards In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Debt collection

I was grocery shopping and when I came out someone had broken into my car and stolen my wallet. In my contained my ID and social security card and since then I have been getting multiple inquiries from collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Checking or savings account

I paid {$30.00} on to XXXX XXXX  credit card. Approx XXXX or XXXX XXXX. I saw reversal return to my Chase account. XXXX of {$30.00}. I never told Chase not to pay this. I called XXXX XXXX, they said Chase revoked my payment. My funds were more than sufficient to pay this bill. XXXX then charged me a {$30.00} added fee for payment returned, and added {$9.00} late fee. Chase refused to acknowledge they made a mistake. Chase is responsible to refund me my {$30.00} extra fee. I paid the {$27.00} AND {$30.00} FEE TO XXXX XXXX. On XX/XX/2023. Chase owes me the return fee of {$30.00}. I have spent 2 days, on phone to numerous Chase departments. No help whatsoever. I have filed several complaints to claims AND customer service. Again, no help or resolution or return phone calls, which I requested.
Product: Debt collection

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 U.S.C 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX  Inquiry date XX/XX/XXXX 4.XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting

There is a delinquency on my credit report which is not mine and this needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an agreement with Discover that this was a pay for delete account. I paid in full after charge off but Discover failed to stick to their end of the bargain and did not delete this account as agreed. Account still reports as negative when it shouldve been removed off my credit report.
Product: Debt collection

A prior rental I had in XXXX sued for non payment of rent. I had paid rent up for 6 months prior and during my 6 months of paid rent did not have hot water. I made numerous complaints to the office, XXXX XXXX XXXX department and code compliance between XXXX. They were sighted multiple times. Upon 6 months paid with no hot water and no signs of improvement I did not pay rent. The case was taken to court for non payment. I appealed the decision and on XX/XX/XXXX were were heard in XXXX XXXX by Judge XXXX XXXX who not only agreed with me but awarded judgement in a split favor. I would move but only be held responsible for a total amount of XXXX and {$770.00} from the appeal of rent during the safety of the paupers act. He advised the current landlord that would be the sum ( {$1100.00} ) of what she was able to collect. However she walked out of the court and threatened me that she would claim as close to {$10000.00} against my credit as she could. Which to date she has continued to attempt and hold my credit hostage for {$6600.00} I contacted the company multiple times and have disputed the information with no success. I was unable for several months in XXXX to even file a dispute against the company during Covid19.I have all my court documents including but not limited to the false documents she reported to the credit bureau after the case was legally closed out and judgement in the amount of {$1100.00} was granted.
Product: Debt collection

I were a victim of identity theft and had multiple phone lines, bank accounts, inquiries that werent me and they seem not to do anything about it. XXXX is saying I owe them {$1100.00} and I never had them as a personal phone company. My wallet was lost and stolen about 3 years ago then another time a year ago.
Product: Checking or savings account

On XX/XX/XXXX or somewhere around then. I submitted a dispute for a transaction on my account because I paid for a product that ended up being fake. I requested a chargeback but instead got my account locked. Im not sure why to this day because the fraud happened outside of the app. Nobody had access to my account.

I made the purchase. Now Im completely barred from even proving my account is mine for some reason. The app states they couldnt verify me before I even tried. Nobody to talk too either. Im about lose everything I have including my job because someone made up a fake scenario in their head that my money was being stolen when theres no evidence of that other than me just wanting a charge back for a fake product I bought.
Product: Money transfer, virtual currency, or money service

Cash app lawsuit for a need help for a problem that had occur.
Product: Credit reporting or other personal consumer reports

After reviewing my 3 credit reports, I noticed there were several fraudulent hard inquiries on my credit files. i have been advised these hard inquiries severely damage my ability to receive more credit.
Product: Vehicle loan or lease

The interest rate for my current and past auto loan is astronomical. I purchased my current vehicle for around {$10000.00} but with the interest rate from the loan provider, my balance is nearly {$20000.00}! I could be driving a much newer car for the payment I am making each month if my interest rate was not so high.
Product: Credit reporting or other personal consumer reports

Credit bureau has been complicit with XXXX XXXX XXXX reporting inaccurate account status for approximately 3 years. Account disputes results in more inaccurate changes which continues to damage my credit rating. The consistent inaccurate reporting is a defamation of character and is harmful to fair and equitable access to credit. 


XXXX XXXX XXXX : 1. Account has been charged off since XX/XX/XXXX. 
2. Last Payment Reporting = XX/XX/XXXX. 
3. Account is reporting unrecognized and conflicting payment history compared to payments shown in balance history. 
4. Payment status changes when charge off status is removed, however, balance remains the same or slightly increases. 
5. Each time account is disputed, the credit bureau allows the creditor to change the reporting history without proof or documentation verification. 
XXXX XXXX : The lender has a pattern of reporting positive history to claim charge off for tax fraud. 

XXXX. XX/XX/XXXX reported account as up to date after charge off XX/XX/XXXX. 
XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account 30 days past due XX/XX/XXXX after XX/XX/XXXX charge off. 
XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. 

I have reported the inaccuracies several times to the credit bureau, however no action has been taken. the credit bureau has been complicit in the continued defamation of my character and in violation of FCRA section 609. 

Disputes and dates below : XXXX Results generated XX/XX/XXXX XXXX XXXX submitted XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX I have submitted several complaints via CFPB which resulted in no action being taken. CFPB complain numbers are as follows : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRES NOT AUTHRIZED XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX
Product: Bank account or service

I keep getting calls from blocked/restricted numbers for which I send to voicemail. They leave a message saying call BankUnited at XXXX. They leave no name, no department, and no information what it is regarding. When I call the number, they immediately want my name, social security number, loan number, date of birth, property address. This is an extremely wreck less practice in 2016. There is no way to verify that this number belongs to BankUnited. The number does not appear on any website. There is no way to verify is this is a scam, yet they want my personal information. I instructed them not to call me anymore for which I continue to receive phone calls. I did verify by calling the main number that it was their Modifications department but they refuse to give me any information. It 's very irresponsible for BankUnited to be conducting business this way on the phone and soliciting people personal information for verification when there is no way for the person calling in to verify that it is legitimately BankUnited.
Product: Mortgage

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE I HAD A HARD INQUIRE FROM SARMA MORTGAGE DEPT THAT I DIDNT MAKE I HAVE NEVER TRYED TO GET A MORTGAGE
Product: Credit reporting or other personal consumer reports

I have attempted to dispute inaccuracies on my credit report from Experian, XXXX and XXXX. There are several accounts that do not belong to me and I have contacted the bureaus by phone and mail regarding the accounts in question. The buraeaus have failed to provide the information requested to prove the accounts belong to me.