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

I have disputed the listed inquiries with Experience on several occasions and have not received any resolution. According to the Fair Credit Credit Reporting Act a consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  CardDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX  Cards XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : 0XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX   CardDate of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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: Checking or savings account

COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. 

This is not a new issue, I already submitted cases about this bank : XXXX, XXXX, XXXX, XXXX, for which I did not get much help, but now they literally opened a new bank account under my name, without my involvement, why are they allowed to do this?
Product: Mortgage

I was mortgaged at the wrong rate through and complained about the problem. They refused any attempt to correct the collection error and never repaid me my money. Instead they passed me on to another company to stop my complaints. My rates were incorrect!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} ; XXXX  XXXX XXXX Date of Inquiry : XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account on Saturday the XXXX of XXXX, due to me being underage at the time when I opened the account in XXXX, which I understand, however I would now like my money back please, as it is punitive toward me to wait for 180 days, especially when the money isnt for selling any goods and came straight from coin base, there should be no hold on my money whatsoever, as there are NO buyers involved, please let me withdraw my money within the next week, I feel appalled at paypals service and I felt saddened and betrayed when I couldnt withdraw my money as I need it for important things, etc gas money, food and bills. Please understand my situation and work WITH me PayPal by allowing, e my own money which ISNT FROM SELLING GOODS and is from coinbase so NO buyers are involved Regards PayPal Email address - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, EQUIFAX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, EQUIFAX DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND EQUIFAX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated I have been trying to remove this fraud alert for some time now. You all have been ignoring my request via phone and Transunion site. I am not able to obtain internet service or any necessary items via credit because of this. I provided you all with identity verification multiple times. If this fraud alert is not removed immediately, I will seek litigation. Your company 's unprofessionalism has cause me XXXX and XXXX to the highest degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX disputing inaccuracies on my report. I am a victim of identity theft. 
XXXX XXXX XXXX  {$710.00} *XXXX  XXXX XXXX {$6600.00} To date XX/XX/XXXX, Transunion failed to investigate my dispute further harming my credit accuracy. Failure to report accurate information you are in violation of FCRA 15 USC 1681 ( A ) ( 2 ). I placed a complaint with CFPD on XX/XX/XXXX ( Complaint # XXXX XXXX. Transunion 's response on XX/XX/XXXX was : " Consumer relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps ... Within 30 days, we will close out your dispute and advise you of the results in writing ''. 

It is XX/XX/XXXX and I have not received any investigation results. PLEASE REMOVE THIS INCORRECT INFORMATION FROM MY REPORTS IMMEDIATELY. YOU ARE IN DIRECT VIOLATION OF FCRA 15 USC 1681 ( a ) ( 1-4 ) ( b ).

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. YOU ARE NOT REPORTING ACCURATE INFORMATION, AND YOUR FAILURE TO COMPLY WITH ACCURATE CREDIT REPOTING IS UNFAIR. THIS IS HARMING MY REPUTATION AS THIS INFPRMATION IS INACCURATE AND DOES NOT REPRESENT THE ACCURACY OF MY CREDIT WORTHINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, Account No. XXXX. 
Account XXXX : XX/XX/2012. 
Has my account as reported to XXXX  as a charge off. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
Product: Mortgage

XX/XX/XXXX At the time of mortgage, it was said PMI was charged till the down reached to 20 % of the purchase price. 

Midwest Loan Services charged till the principal amount reached to 22 % Upon checking it was said that if you would have called us than it will be stopped on 20 % else it will continue till 22 % Per month PMI = {$29.00} Extra PMI charged in XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX DPEDXXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and disputing discrepancies, the financial institution and zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transaction was unfeasible. 
The CFPB 's finding 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 raise serious concerns about consumers safety.
Product: Debt collection

Attempted to pay a balance in full with Enerbank on XX/XX/23. Paid balance listed on last statement as well as the amount shown on the Enerbank  website. Received a statement dated XX/XX/23 which showed a balance of ~ {$500.00}. 
Called to see how/why this balance existed since the listed balance was paid. Was told that the amount due was related to past interest which wasnt factored into the balance as well as interest accrued from the statement date ( even interest compounded daily wouldnt equate to this amount ). Stated a manager would call me back but have not received a call.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of my disputes, particularly in the light of 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. The lack of accountability and transparency is very unacceptable and it raises a serious concern about customer safety.
Product: Bank account or service

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 
After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT claims they have the right to communicate with me via my consumer report however Congress clearly states in 15 usc 1692c that the debt collector may not communicate with a consumer at any time or place to be inconvenient to the consumer. They claim they sent me a letter informing me of my ability to opt out of any sharing of my non public personal information but I never received such letter and this would have to be proven via a signed certitudes mail receipt showing I received such communication that is required by thE GLBA. In addition the debt collector must cease and desist ALL communication across ALL mediums. My consumer report is considered a medium of communication. MIDLAND CREDIT MANAGEMENT also claims communication does not include consumer reports which is false. IT DOES INCLUDE NOT COMMUNICATING THROUGH MY CONSUMER REPORT. I demand MIDLAND CREDIT MANAGEMENT cease and desist this deformation of my character on my consumer report or I will seek legal remedy that I am owed in the form of {$1000.00} per FCRA violation. This is my last time communicating this to midland before I file a civil lawsuit against you for damages caused by these actions.
Product: Checking or savings account

I filed a complaint at XXXX Police Department police department on XX/XX/year>. On XX/XX/XXXX, I paid {$5000.00} via Chase debit card and {$2000.00} via XXXX to XXXX XXXX XXXX. The owner lied about him owning the vehicle and about the title as well. After I had already paid him the money, he acted like he couldn't find the title and then he said he would mail the title I never received it. After not receiving the title in mail after 60 days, he told me that I could travel back to XXXX to pick it up. I came into the office XX/XX/XXXX with an employee from my nonprofit organization to pick up the title. Well, the person in the office called the owner and then he removed a piece of paper attached to the title. I asked what the paper was and he said that it wasn't important and that I didn't need it in order to register the vehicle. 

Fast forward to today. I still can not register my vehicle that I paid {$7000.00} for because the owner is withholding an affidavit of repossession which is required to stay attached to the title. This is fraud. I was yelled at by the owner after Chase reversed the charges and was not allowed to get the paperwork. Chase has since given the car dealer his money back after he submitted false documents to them. I am distraught because I have a family and can not transport them in my SUV that I paid $ XXXX for because this man is withholding a very important document from me on purpose, and refuses to give it back to me. He told me that I am not allowed on his property because I called the police on him a month ago, trying to recover my affidavit because I didn't know the vehicle came from an auction. He told me it was his personal vehicle that he and his wife drove daily.

Chase Bank is withholding FEMA funding my family critically needs due to this claim reversal and they are refusing to release my funds due to a claim dispute.