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

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXXXX. XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

On XX/XX/XXXX I was taken by ambulance to XXXX Hospital at XXXX XXXX in XXXX, Texas. While I was in the hospital ( note, I'm a XXXX veteran awaiting a XXXX XXXX and not in good health and all ) I believe my home health aide robbed my apartment in XXXX of laptop, card, cellphone and other items and used my card for about {$1600.00} in charges over the next few weeks. I was released in XX/XX/XXXX and immediately contacted XXXX XXXX NetSpend to file a dispute and freeze the card. My medical power of attorney, XXXX XXXX, at my request, contacted NetSpend to freeze the card in XX/XX/XXXX, they brushed him off and hung up on him. NetSpend, rather than really investigating the claim and following the EFTA and other federal laws, brushed off the dispute and just closed my account on the 10th business day when required to credit my account. By unilaterally deciding to close my account, after the cut off date for social security, it caused my VA/SSI benefits to be delayed almost 2 weeks. They gave a boiler plate resolution and justification for the dispute and have not allowed me any appeal or dispute of their " investigation ''. Documentation was submitted and overlooked. How was I responsible for fraudulent charges made in XXXX while I was in hospital in XXXX intubated. They said charges were consistent ... Four charges of almost the same amount at XXXX in 10 minutes ( {$100.00} )???? Balance inquiry which I never do cause of the app. They stole my laptop and phone. All personal information. Including my PIN. Further, they used the card to rent bikes by XXXX XXXX XXXX ... .I 'm a XXXX XXXX candidate using a XXXX and on XXXX  ... .how am I renting bikes in XXXX and XXXX while I am  laying in a hospital in XXXX. I wish I could ride a bike again. But, with all this obvious, prima facie evidence and documentation, NetSpend refused to honor the dispute and federal regulations and have by their unappealable actions have blamed the victim and then victimized the victim even more. Under the CPA and EFTA, I'm supposed to be protected from fraudulent charges. Yet NetSpend has allowed someone to take my federal benefits and just says oh well. I mean, they used the card for XXXX  and XXXX XXXX, both of which I already had an account. Why would I get secondary XXXX accounts???? Also please note. I have a notorized affidavit I sent NetSpend but can't upload it as it's over 10mb
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not only trying to collect on a zombie debt but has been reporting incorrect information to the credit bureaus. This is a severe issue as it is causing me XXXX XXXX XXXX There are many errors being reported on my credit report by this account such as date of last activity, date opened, account status is reporting as open, payment status showing incorrect information.,
Product: Checking or savings account

Called a chime help # but it was fraudulent they stole all the money I have. {$340.00} I have no money to eat or survive.
Product: Credit card or prepaid card

I made an online purchase on XX/XX/2020 by XXXX XXXX in the amount of {$210.00}, using my Chase Sapphire credit card. On XX/XX/2020 I checked the status of the order through the tracking # provided, it came up that the order arrived on XX/XX/2020. Since I received no delivery, I reached out to XXXX on XX/XX/2020 and was told I need to check it with XXXX since they can not follow up past 7 days of delivery date. I tried to reach out to XXXX numerous times by phone and email but I received no response, evidently due to COVID. XXXX refused to credit me for the purchase as well, so I went ahead and disputed the charge with Chase. At that time I was told by Chase rep they will remove the charge and look into it. 2 billing cycles later I see the charge back as a REBILL for the full amount plus interest that I am paying till now. The reasoning they gave is that XXXX received a confirmation from XXXX  that the package was dropped off at the house. I tried numerous times to reach out to Chase and send them numerous letters as requested from them. They are only dragging me around and refuse to give me the credit. 
I believe this is extremely unfair and unjust, the package was a big box that I could not have missed, had it actually arrived, I looked out for it on a daily basis and don't think I could of missed it. I don't think it is my business what happened t the package or if the driver maybe stole it, the fact is, no one rang my bell and I do not feel I need to pay for something I did not receive. I do feel I should receive the full credit for this purchase plus the interest I am paying all these months. 
I have documented proof for all correspondence if needed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I called my bank to attempt a stop payment on XXXX new Zelle transactions. Unfortunately, I was a victim of scam while trying to purchase concert tickets, which resulted in a total loss of {$600.00}. Since this was my first time being scammed, I was not as educated as I am now on the tactics imposters use to pursue their victims. Even after providing screenshots of all events that took place, XXXX determined it was on me to resolve the issue with the receiving party. The problem is the person was a stranger that I met on a social media platform and they deleted their account shortly after funds were sent. 

Although I reported the matter immediately, XXXX was very slow to respond. During a re-review, a phone representative submitted the wrong details about the transactions I was disputing ; this scam involved multiple Zelle recipients/IDs and XXXX of the XXXX transactions I was disputing was not properly submitted for review. This was frustrating for me because I spent so much time on the phone providing exact details and waited days for the banks decision just to find out the phone representative did not take the time to gather the correct information. This resulted in a delay in me receiving the document I actually needed and I still have not received the document for the correct transaction. This information is useful because it provides an in depth description of payment details and activity for each transaction. 

Ive always considered Zelle to be a safe and easy way to send money, especially since I access using my XXXX mobile app. During this payment scenario, I was not alerted with any prominent, overt language nor attention-grabbing tittles warning me that this could be a scam. I do recall the standardized scam education page that users see just before sending money, but honestly since Ive always used Zelle for legitimate purposes, I thought nothing of it. When the scammer instructed me to send money to recipient XXXX XXXX, token XXXX, I received the following message from XXXX : Were concerned about this payment. It has been declined. What was different about this recipient ID that XXXX was able to better detect the scam than the other recipients where I was able to successfully send funds to? What can be done to allow XXXX to detect all scams and not just some?
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On different occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I sympathetically demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit document so I might recapture command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Debt collection

I have been contacting this company for almost 2 years and informing them that I do not owe for this debt. I went to the emergency room due to XXXX XXXX but due to an extended wait time I left the emergency room and was never seen by any physician. 

The company agreed by phone to remove the debt several times but has failed to do so, in fact the company has posted this debt under my credit file! 

I need this matter addressed with CFPB because attempts to rectify it on my own have been unsuccessful. 

Please advise!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> I am writng to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. Iam aware of my rights under the Fair Credit Reporting Act and request athorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Protection Bureau filed a lawsuit against XXXX for failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practies. These practies, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previosly disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results. I am deeply concerned that my disputes may have been mishanlded in a similar manner.
Product: Debt collection

LJ Ross Associates I have sent two letters of verification stating to please validate that these debts belong to me and please also show me the original contract of each debt. I would like to investigate the accounts listed below that the validity of the accounts are correct as well as providing documents with my signature and date and dates of service, that prove the debt is mine. As it states above, if you can not provide these documents to prove the debts are mine, I request that these accounts be removed as well as from the credit bureau in the allotted time. 

LJ Ross Associates have not been able to validate these accounts with the documents I had asked for in the allotted time. I know LJ Ross Associates have received my letters of validation as I have sent the letters as certified mail starting on XX/XX/2022. The amounts are {$10.00}, {$180.00}, {$1000.00} This company has over 100 complaints just for debt with the CFPB. How can this company be trusted? 

This company has also sent medical information that they should not have access to that violates my right to privacy and has violated HIPPA. This needs to be STOPPED!
Product: Credit card or prepaid card

I was notified by a company that a card was used under my name that I was unaware of. Also someone made a payment as if it was me. So I would like to file charges if possible. At no point of time that I gave anyone my information to use or give them permission to use my information.
Product: Credit reporting or other personal consumer reports

Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

So I disputed some fraudulent charges on my report and because of that, I have no credit score which is XXXX XXXX considering that I have worked my XXXX off getting those fraudulent charges off and because of their policies I now have no credit score at all
Product: Credit reporting or other personal consumer reports

I was never late on these three paid off closed accounts ( 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  Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this proof please delete this alleged late payments from my credit report. I am entitled to 100 % accuracy under federal laws.
Product: Credit card or prepaid card

I was informed that my credit card had the suspicious activities by the credit company on XX/XX/XXXX, but at that time it was reported I found out there were XXXX unauthorized transactions already in 2 days, the total amount of {$560.00}. 
Right after that I disputed the charges and canceled that card and received a new card. 

But sometime at the beginning of XXXX, I received the letter says the case had been closed because the credit card fraudly used was under my possession, therefore they didn't consider that fraudulent activity and I am the one who is responsible. 

On XX/XX/XXXX, I visited one of their branches and discussed about the fraud and dispute, but it didn't get any better. I was told they're not able to escalate or to reopen the case. 

On XX/XX/XXXX I filed the police report for credit card fraud and requested the card company to reopen it. I also explained the old card with the same number I cut out and discarded in the trash could be duplicated and used by the suspects. 

They said they will reopen the case and continue the investigation. But even though I was told and received the letter during the investigation I didn't have to pay the amount, they charged both late fee and financial charges on my account on the due date as if I was the one who used it. 

Their customer service keeps calling me and emailing me to pay for the amount because online status hasn't been updated and some of the disputed amount had already been deducted from my bank account automatically. 

I'm still highly doubtful if they really reopened the case and still investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I noticed that an inquiry from Bank of America on my XXXX credit report ( dated XX/XX/23 ) that I had not authorized. The inquiry does not show on my XXXX credit report and I have been unable to access my XXXX credit report to confirm. 

I contacted Bank of America to dispute the inquiry and was told that the inquiry would be removed from my credit reports, but that I might not see a change on my credit reports for 60-90 days. 

In XXXX, I received a letter in the U.S. mail from Bank of America requesting more information. I phoned Bank of America and was transferred to the fraud department. The representative could not determine which information was needed and so she 're-opened " the claim. I was again told that the inquiry would be removed from my credit reports, but that I might not see a change on my credit reports for 60-90 days. 

On XX/XX/23, I was notified by my bank that Bank of America had run a second inquiry on my credit report that day. I contacted Bank of America to inquire about the second inquiry, but was told that there was no record of a second application being submitted. Bank of America was able to confirm that the first application had been cancelled and that the inquiry would be removed from my credit report, but I also told that I would need to contact XXXX to dispute the second inquiry. This is ridiculous, as XXXX expressly directs customers to contact companies directly when disputing inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! Equifax and XXXX are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.
Product: Student loan

I am a new customer with navient and have applied for consolidation of my student loans, as well as help with my payments lowered ... .I am not seeing any help with them telling me that they could assist me with lowering payments ... I am a single mother of XXXX just getting out of default..please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act synchrony bank and XXXX XXXX XXXX violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX. 

Dear XXXX, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX the necessary steps are being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payment on my XXXX XXXX account XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Money transfer, virtual currency, or money service

I opened up an account with venmo on XX/XX/2022 and had money transferred to my account the day I opened it and within 2 hours or so my account was temporarily frozen without any explanation as to why I talked to venmo on several occasions via email and phone yet I got no real answers so on XX/XX/XXXX I noticed some discrepancies on my account and pointed this out to venmo hoping this would resolve there original issue however it did not in fact it only made matters worse because even though ID been clearly hacked by some unknown person which at first venmo agreed with that as well suddenly though they decided that they didn't believe I was the rightful owner of my account and asked for a copy of my state ID and me taking a selfie holding my ID which I gladly did so on numerous occasions I even sent them a video of me holding my ID and my social security card and all 3 debit cards Ive got linked to my venmo account however I still got nothing back from them other then my ID was expired which it is not they said its in black and white which it clearly is not its in full color and they said its being obstructed visually in some way which it Wasnt whatsoever Ive sent them copies 9 seperate times both with just my ID and me holding my ID and yet they still haven t unfrozen my account and now have suspended it as well which took place on my XXXX 2022 and yet again told me nothing as to why my account is now not only temporarily frozen but suspended as well Ive gotten a few emails from venmo stating that they are very sorry about the delays but that I should just be patient and cooperate with the venmo specialists working on my case and that's basically all they ever say there's never any real communication between me and venmo 's specialists they literally are now just placating me and have no real intention of ever releasing my funds to me I believe and im now about to loose my home because the money that there holding was for my rent and since they have frozen/suspended my account I cant access my rightful funds to pay my back rent and am terrified that I may loose my home and will be XXXX  so please if someone could help me figure this out and talk with venmo on my behalf to get this resolved ASAP ID be so very grateful ... thank you