23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I took my family on vacation to the beach in XX/XX/XXXX. We booked a room on XXXX on XXXX/XXXX/2015. The Business was called XXXX. The hotel had electrical problems and room smell of what we learned later was sprayed lacquer and was very filthy. It was not safe to stay in. We were force to immediately check out. The hotel was very rude and aggressive. I was with my wife and small children so we left. I immediately called my bank and disputed the transaction. Chase Bank has refused to honor the dispute even after they sent me a letter saying the dispute was final and I was not responsible for the charge on XXXX/XXXX/2015. I have the letter. Then a month later they sent me a letter on XXXX/XXXX/2015 that they were taking the money out of my account. I feel that Chase owes me the {$520.00} the hotel fraudulent charged me. Chase agreed with me and after 4 months the reversed my dispute and stole my money out of my account. This is theft they already sided with me. Now Chase refuses to help me. They are my bank and I have complete protection from this and they still refuse to assist. Banks are stealing from poor people. I had the transaction ran as a XXXX transaction. I attached the documents they sent me and my bank statement to show I had to book a new hotel and I did n't stay in XXXX XXXX where the XXXX is located. We were forced to book a new hotel is XXXX. You can see the transactions on my statement. to XXXX.
Product: Debt collection

I do not recognize this debt. It is on my credit report and I did not receive a written notice of right to dispute. Not sure if this is legitimate.
Product: Credit reporting or other personal consumer reports

I do not recognize the following inquires on my consumer report XXXX  XXXX ACCOUNT MANAGEMENT SER EXPERIAN 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: Debt collection

On XX/XX/2021, I sent in a request for validation to said Company FIRST FEDERAL CREDIT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a copy of my credit report after both my XXXX  and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither XXXX of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.
Product: Credit card

I received a refund from XXXX XXXX in the amount of {$740.00}. However capital One venture card decided to take {$200.00} of that I dont know why they they left me with {$590.00} how is it they have a right to do that whats next theyre gon na go into my card that I paid my bill with and help themselves? this is preposterous I wasnt expecting it I want that {$200.00} back. I pay my bill all the time Im never late ever ever ever.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX, XXXX, and TransUnion on my credit report. The account details are as follows : XXXX XXXX XXXXXXXX XXXX XXXX : {$360.00}
Product: Money transfer, virtual currency, or money service

Went to sleep with XXXX in my cash app Woke up my cash app was on XXXX Had over XXXX {$50.00} transactions go through within XXXX mins no security on cash app avoided the transactions My personal info like email and pin was switched out Had no control over my cash app Called in to dispute was denied they replied it came from my device when I know it did not I am just being brushed off now Im broke because my tax money was stolen
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX )
Product: Checking or savings account

Hello, I've had Wells Fargo since about XXXX. I'm recently going through a divorce and added my soon to be ex wife on about XXXX or XXXX. I've tried closing the account but Wells Fargo wouldn't let me due to my soon to be ex wife needed to sign a paper to close the account even though it was my account originally. My soon to be ex wife won't sign the papers and the Wells Fargo account hasn't been used since XXXX so a bit over a year and a half. Each month they charge me a monthly fee and overdraft fee. Also last year my car was repossessed by XXXX and I read on your website about compensation about that. Please help and thanks.
Product: Debt collection

I have a credit card with XXXX bank still sowing open and was put in collection without my knowledge. I just find out this by checking my credit report. I will never knew if I do n't check and be hurt to getting anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove collections and late payments remove now!!! XXXX acct # XXXX {$27000.00} and XXXX acct XXXX XXXX {$9400.00} These collections and late payments must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and have reported these errors to XXXX, Transunion, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation! 
XXXX acct # XXXX {$27000.00} XXXX  acct XXXX XXXX {$9400.00} Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity.

Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information.

Written confirmation of the actions taken to address my requests as required under the FCRA.

Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred.

Thank you for your prompt attention to this serious matter. 

Company : Keybank NA
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I have marked as inaccurate : XXXX XXXX- Account number : XXXX ( {$1100.00} ) XXXX XXXX XXXX- Account number : XXXX ( {$490.00} ) XXXX XXXX  XXXX- Account number : XXXX ( {$750.00} ) XXXX XXXX XXXX Account number : XXXX ( {$2500.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : I have 2 bankruptcies listed on my Experian report Action : I have repeatedly and regularly written letters to ask them to provide verification of these two items and provide me with documentation showing the validity of these items.

Result : Since contacting them once a month for the last 6 months, they have only responded by saying the information has been verified by the company that provided it.

I wrote to the United States Bankruptcy Court in Illinois and Florida inquiring about what they reported about me to the bureaus. They responded on letterhead stating " The bankruptcy court does NOT perform any activities with the credit bureaus. You must contact the individual credit bureaus for their procedure for removing your bankruptcy filing from their report. '' This MEANS that the information on my credit report was NOT reported by the courts. It was reported by a 3rd party. This information provided by a 3rd party has never been verified as mine and since it is a violation of the Fair Credit Reporting Act to report false information, I am asking that these two items be deleted permanently from my report. EXPERIAN is the ONLY credit bureau reporting this information.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account.I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Please help me remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

UDAAP issue - XXXX at Westview Financial in XXXX, VA communicated that if I make a payment on XX/XX/2019 that was due on XX/XX/2019 that it would report to the credit bureau late and have a negative impact on my credit. XXXX expressed that because the payment is due in XXXX and I am making a payment in XXXX, this would hurt my credit. I expressed that the earliest I could make a payment would be XX/XX/2019 due to personal issues and the payment would not be 30 days late. She continued to state that if I did not make a payment then I would have a negative mark on my credit. She then continued on to say if I deferred a payment then that would help my credit. I did not believe that to be true. I believe that deferring payments will make my loan term longer and would add additional interest. She became highly annoyed when I referenced the FDCPA and continued to tell me that I would need to defer a payment in order to avoid a negative impact on my credit. I believe this to be misleading.
Product: Checking or savings account

On XX/XX/XXXX I received an email saying that I opened a checking account with Bank of America, although I did not. I do have a credit card with them and logged into my account and noticed the checking account that I did not open. I believe that Bank of America opened this checking account without my permission. I have tried several times to get a hold of their fraud department but have not been able to reach anyone. I need the account closed.
Product: Debt collection

I have been repeatedly contacted by PNC Bank regarding a payment that I allegedly owe them. I have never had an account with PNC Bank, nor have I even been to any of its branches. I've never used PNC or any of their financial services. Yet, they keep terrorizing me. Every time I received a call from them, I called them back, taking the time to alert them to the fact they have a wrong number on file and kindly requesting that they change it. I went through this process a handful of times - to no avail. Finally, yesterday, I was called by their collections department as I was getting ready for bed. Having a collections agent call you is never pleasant, but considering the above, the incident was outright insulting and heavily frustrating. I have demanded that they cease the phone calls immediately, but seeing how my previous requests had been thoroughly ignored, I see no choice but to report them to the CFPB.
Product: Credit reporting

When trying to refinance my house, the lender ran a credit report that contains erroneous derogatory information. The collections company claims my information matches theirs, except for mailing address and they let me know who the party was who sent me to collections. I have had no dealings with the party, a law firm, who sent me to collections. I fear this is a case of an error, mistaken identity, or identity theft.
Product: Checking or savings account

My significant other has been in dispute with Chime XXXX for XXXX days as of today, XX/XX/2022 for the amount of {$600.00} after he was the victim of a scam after attempting to purchase an item online. The so-called 'merchant ' that made the sale with him has not responded to any communication by phone, text message, or e-mail. The 'merchant ' also refuses to respond to law enforcement. The purchase was made XX/XX/2022. The item was never shipped. A tracking number was never provided through any shipping service both foreign or domestic. The item was never received. 

He has submitted 42 separate screenshots on multiple occasions to Chime XXXX in regards to this dispute requesting a refund. The screenshots include the transaction, the receipt for the item, the receipt of the entire transaction, the lack of response from said 'merchant ' for the past 30+ days, the repeated denials from Chime 's so-called 'Investigation Team ', the item being relisted by the same seller, the police report from our local police agency indicating that he is a victim of fraud, the first letter Chime requested, and the subsequent second letter after the third denial of refund. 

For the third time, his refund request was denied stating that " no error occurred and customer must contact the merchant ''. The merchant is clearly fraudulent and will not respond. Law enforcement even acknowledged the fact that this person was a scammer. Chime still refuses to refund his money and has demonstrated blatant disregard of acknowledging or assisting him as the victim of a cyber-crime.
Product: Debt collection

Lvnv funding LLC / XXXX XXXX XXXX this debt collection is still on my credit report but have been paid and should be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.
Product: Payday loan

I received a call on XXXX XXXX, XXXX at XXXX. I answer it and it 's a man by the name of XXXX XXXX claiming to be from XXXX XXXX mediation firm and has legal documents against me. I ask what they are for and he says its a pending check fraud case filled thru First bank of California in XXXX. He stated that I would be served legal documents at my place of residence or employer and if I didnt accept I would get failure to appear and could have an arrest warrant issued. I told him that I have never received anything in the mail about this debt and havent lived at the address he had on file since XXXX when my grandfather passed and the house was sold. He told me the employer on file and I havent been with them since XXXX. He claimed that with accumulated interest the amount is now at {$3100.00} but the loan amount was for {$1000.00}. This is the second time I have received a call like this but the first time is was from a XXXX XXXX through XXXX. He stated he had legal documents on me for check fraud. The amount was for {$1100.00} When I spoke with XXXX he had stated that if I could reach the amount of {$900.00} within 2 days then they might consider stopping the legal complaint. The payday loan company that is being said as the complaint is Check n Go and I have a contact of XXXX XXXX XXXX XXXX XXXX XXXX that holds the collection and its not for the amount that the above is claiming either.