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

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX ChexSystems, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Inaccurate XXXX Unverified Accounts XXXX Inquiries Demand for Immediate Removal XXXX Whom It XXXX Concern : This letter serves as my formal dispute under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) regarding inaccurate XXXX unverified information listed in my consumer report with ChexSystems. After reviewing my file, I have identified the following accounts and inquiries that are either inaccurate, not verifiable, or lack permissible purpose. Therefore, I am requesting immediate deletion of these items. 

Disputed Accounts : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Reported Date : XX/XX/XXXX XXXX/Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Date : XX/XX/XXXX XXXX/Account Number : XXXX / XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Reported Date : XX/XX/XXXX XXXX/Account Number : XXXX / XXXX XXXX XXXX  XXXX XXXX XXXX P.O. XXXX XXXX, XXXX, OH XXXX Reported Dates : XX/XX/XXXX, XX/XX/XXXX RTN/Account Numbers : XXXX / XXXX Disputed Inquiries : United States XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Pennsylvania State XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( on behalf of XXXX XXXX ) XX/XX/XXXX XXXX XXXX, a part of XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As required by XXXX U.S.C. XXXX, ChexSystems must conduct a reinvestigation into these disputed entries. If any account or inquiry can not be 100 % verified with original documentation, not internal notes or third-party records, it must be removed. Additionally, continued reporting of unverifiable or inaccurate information is a violation of the FCRA XXXX relevant case law ( XXXX v. XXXX, XXXX XXXX XXXX ), XXXX may constitute negligent or willful noncompliance under XXXX and XXXX. 

I hereby request : XXXX removal of the above-listed accounts XXXX inquiries that can not be verified through proper documentation. 

A full reinvestigation in accordance with federal law. 

A written response within 30 days per the FCRA, including confirmation of deletions. 

If ChexSystems fails XXXX comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies as necessary. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I tried to use their fraud services to retrieve {$3200.00} from a fraudulent XXXX transfer which they said I was cancelling it. I reported it the minute it happened and just now kin XXXX they are saying we can't do anything. The fact that they couldn't even stop it the minute it happened I don't understand when people cancel transactions days old. And I'm shocked with banks and fraud insurance they couldn't even get {$1000.00} back. It took me forever to save that money and the fact I gave bank of america 13 years of being a customer and they could not do literally anything to help since the beginning is wild to me. I was told to leave a complaint here by friends and family I really hope this belps.
Product: Debt collection

Received bank statement showing debit charge of {$170.00} from XXXX XXXX Called bank and advised this was a fraudulent charge - not authorized by me and I was disputing the amount. On XXXX, XXXX, XXXX I received a letter from the bank advising matter had been resolved and the temporary credit of {$170.00} was now permanent. On XX/XX/2002 I received a collection letter from TRS Recovery Services stating that they were looking to me to collect this amount. On XX/XX/2002 I sent a letter to TRS stating that this was not my debt, that it was a fraudulent charge and I was disputing it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A 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 conviction 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 or other personal consumer reports

In XX/XX/XXXX my student loans were transferred from XXXX to Mohela. My balance with XXXX is now {$0.00}. 

In XX/XX/XXXX I reported that my student loans were showing as duplicates on my credit report. Both XXXX and Mohela are showing on my report and both are showing balances. This is incorrect. My XXXX account should reflect as {$0.00} and my Mohela account should reflect my student loan balance since it was transferred. 

On XX/XX/XXXX I received a letter from XXXX that when my loans were transferred Mohela created a new trade line on my credit report instead of updating the XXXX trade line to their information. This is causing my student loans to be duplicated on my credit report.

It has been 1 month since this investigation was completed and there have been no changes to my credit report. I was told that Mohela was notified about the issue and to give them time to update everything, but as of this morning
nothing has been done. This is unacceptable and needs to be fixed immediately as this is affecting my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legit obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request : Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely,
Product: Debt collection

On XX/XX/2021 I sent XXXX Mail # XXXX XXXX XXXX XXXX XXXX letter with payment ( negotiable instrument ) to tender payment for alleged debt. The letter was received on XX/XX/2021 and the negotiable instrument was improperly processed. I feel my consumer rights where violated and I'm trying to resolve this matter accordingly,
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX XXXX XXXX Student Loan Forgiveness Dear Sir/Madam, I am writing to formally request complete forgiveness of my student loans due to significant violations of my privacy and federal law, particularly concerning the Family Educational Rights and Privacy Act ( FERPA ) XXXX These violations have caused severe emotional distress and hardship, further exacerbated by the involvement of external parties who have accessed sensitive information related to my education without my consent. 

It has come to my attention that my private educational records were compromised due to an illegal disclosure or breach, specifically involving individuals or entities with no legitimate need to access this information. As you are aware, FERPA is a federal law designed to protect the privacy of student records, and any unauthorized access to these records is a clear violation of my rights under this law. 

Furthermore, I have reason to believe that XXXX XXXX or associated entities have gained unauthorized access to government records that include personal information about my educational background. The improper handling of such sensitive data has not only violated my privacy but has also undermined my ability to trust institutions that hold my personal and academic records. 

Given the severity of these violations, I believe it is both justified and necessary for my student loans to be forgiven as a means of addressing the harm and distress caused by these breaches of privacy. The violation of FERPA rights and the involvement of external actors, particularly those with substantial power and access to sensitive data, has placed an undue burden on me that I should not have to bear. 

I kindly ask that you review my case thoroughly and consider the extenuating circumstances surrounding this matter. I am happy to provide any additional documentation or information needed to support my request. I simply do not feel comfortable with the fact that my personal information has been compromised. This is the reason I believe all of my student loans should be forgiven. I also make below average in America. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

I opened a new Citi personal bank account around XX/XX/2022. I received a promotion stating if I deposited {$200000.00}. I would receive {$1500.00} interest after 60 days. 

I deposited {$200000.00} right after opening the account. 

On XX/XX/XXXX, I received an email saying that the terms of the client manual were violated and my account would be closed within 60 days and funds would be disbursed to the address on file. 

I still have not received my money back. I have called multiple times and visited multiple branches and no one can or will explain what is going on. I am told that a letter is being sent that will explain everything but I have never received a letter. The address on file is where I received my ATM card so I know the address is correct. it has bee 6 months and citi bank has not returned my money or allowed me to access it. Every time I call and talk to someone about this I am told that they are working on it and to just wait another week. I call back a week later and am told the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX processed a hard inquiry on my credit report on XXXX XXXX. This was done without my knowledge, permission, or consent. When asked for the reason of the inquiry, they stated it was for " account assessment ''. They refuse to remove the hard inquiry from my account, despite the fact that this was done without any reason, and for no purpose. Again, this was done without my permission and consent.
Product: Debt collection

TRANSWORLD SYSTEMS INC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$340.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

I have over {$200000.00} in a Citi bank XXXX bank. It has been in the same account and cleared for over XXXX months. I have now tried to transfer that amount to my XXXX XXXX XXXX account. After hours long phone conversations ( and " chats ) with Citi employees the account transfer was approved. and i have been sent a " sucessful '' confirmation email. All levels of account information have been given and approved. In each case, the following day, I have been sent an email by Citi saying my transfer was " Cancelled ''. No reason given. All account information ( routing, account # ) was checked and was found to be accurate. Today ( the third day ) I spoke to a representative at the given phone number who could not give me a reason why this had happened. I asked to speak to another representative ( nicely! ) and was put on hold ( a recording ) for XXXX minutes and then hung up on automatically. The " Confirmation of Transfer '' reference number is XXXX XXXX XXXX XXXX. My money has been held XXXX now for over a week with absolutely no recourse and no branches for over XXXX miles and I am XXXX XXXX XXXX. Can you help me free my funds? thank you " ''
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of XXXX XXXX and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX Balance : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Non compliance with FCRA and XXXX XXXX compliance.
Product: Credit card or prepaid card

I made an online purchase in XXXX for some shirts size xxl. I used XXXX thru Bank of America credit card. The amount was {$68.00}. The shirts came and were way too small. They dont even look to be large. Immediately I tried to contact the merchant. After 3 attempts I called my credit card company. Theyd said to dispute the charge. I agreed as there is NO way to return these products. No return label no answer on the phone. No answer on the email nor messenger. On XX/XX/XXXX I get a letter from Bank of America credit services saying the claim is denied. They want proof that the merchandise was returned .... so I called them right away. I said to them think how silly this sounds. The reason Im disputing the charge is because of an absent merchant non responsive merchant how can I remedy an issue when no one will contact me? They agreed and said they would appeal the decision. Today I received a letter dated XX/XX/XXXX saying they looked into my case again and decision stands. They want proof of return ... ... now I called them this afternoon I spoke to XXXX in Texas XXXX in Texas and XXXX  in Texas. XXXX  manager and they all say there is nothing they can do without proof of return???? How can I get proof of return when the merchant will not respond to me. So I have these napkins they call shirts and cant fight this? Im expected to pay for this garbage? Im so confused and I dont know what to do or who to call. This is truely crazy. I asked them if they have spoke to the merchant XXXX  said yes. But she probally means she spoke with XXXX. Boy the actual merchant. This whole situation is bizarre and I need help.
Product: Payday loan, title loan, or personal loan

Long story short.. NBT Bank partnering with XXXX XXXX and did not have a proper procedure to investigate or vetted a local solar company for licensing. They partnering with an UNLICENSED solar company name XXXX XXXX XXXX  XXXX XXXX and put me in over $ XXXX loan and the solar systems in INOPERATABLE but they want me to pay for the loan? I filed a complaint with State of Hawaii Department of Consumer Protection and they investigate that this XXXX company does not have license to install solar and also that company hire unlicensed contractors to install solar for both of my properties. Fast forward, the state investigator told me that I do not have to pay until the system is operational or at least pass and closed out the permits with the state. I email them multiple times but they only extending my loan and now they report it to my credit report that I did not pay. This causing a tremendous negative impact on me as I am in the middle of applying for a mortgage for my investment property. Please see attachments.
Product: Money transfer, virtual currency, or money service

Im 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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this description on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to late open account, and removal of the charge-offs, and late closed accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. 

On multiple occasions, I have submitted requests to correct inaccuracies related to late open accounts on my credit report. However, these corrections have not been reflected, and the incorrect information remains, impacting my credit score negatively. 

I have also noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. 

Furthermore, attempts to rectify inaccuracies regarding late closed accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. 

I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. 

To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to correct these late open account and remove the charge off and late closed in my credit file : XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$11000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate, customer service, and unfair practices, which violates 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 did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss and a seek appropriate redress for these violations.