23daVinci/CFPB_Complaints huggingface dataset:
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  consistantly responds within 24hrs stating the account is accurate, without proving any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C - 1681, which mandates a reasonable investigation of disputes.Furthermore, XXXX XXXXs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the ( CFPB 's recent administrative proceedings ( File 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Although notices have not been properly given to me, I discovered numerous inquiries to ChexSystems. None of these were made with my consent. There are many incorrect " personal identity '' items on my ChexSystems credit report, which identity thieves can then use to " identify themselves '' as me. ChexSystems uses personal identity information " challenge '' questions to provide a credit report online. ChexSystems uses an address on XXXX XXXX in XXXX as one of the challenge questions I need to know the answer to in order to be " identified. '' I have never lived anywhere near there. The address does not appear on my ChexSystems credit report and ChexSystems refuses to disclose the source of that challenge question so I can have it corrected. ChexSystems refuses to act on or respond to my written dispute from my attorney that was SIGNED BY ME AS WELL, demanding a notarized " power of attorney ''. Although this is a matter of urgency and my attorney communicated to ChexSystems via fax, ChexSystems not only refuses to act, it sends its response by very slow regular mail rather than by fax or email. ChexSystems runs an online system that apparently allows automated inquiries. In every, or most, cases the inquiries are rejected -- this means both ChexSystems and the " furnisher '' know that I, the consumer, did not consent to the inquiry. Nevertheless, they proceed to pad their credit data on me with false data they will not remove, and which can be exploited by identity thieves. This all takes place in the " subprime '' market and the activity is not disclosed on the " main 3 '' credit reporting agency reports and alerts. Finally, XXXX ( which did not have my consent to access my credit ) sent me a reject notice for " my application '', disclosing to me that it had accessed ChexSystems. Additionally, there is no negative information in the ChexSystems report, but ChexSystems refuses to disclose the reason for the rating it sent to XXXX. Because FCRA requires my Identity Theft Report to contain the items that are false in order to demand they be blocked, I am including those in an upload attachment to this complaint. With respect to uploads, however, there is a discrepancy in CFPB instructions : ( 1 ) don't reveal personal information and ( 2 ) upload documents, letters, etc. related to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX collection agency reported ) A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX would like to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13
Product: Mortgage

I signed up for a mortgage with PNC. They provided an acceptance letter. Days before the closing they called me and told me that I no longer qualified for a 30 year mortgage due to " debt to income ratio '' which had not changed since the initial approval. They told me that I now only qualified for a 7 year ARM mortgage ONLY. This information was broken to me days before closing. I had no way at that point of obtaining a new mortgage within a few days. I was so scared that I would lose my deposit that I was essentially forced into accepting the terms. Now, with the rate changing I stand to potentially have to pay much more money in interest when I am forced to refinance in 7 years.
Product: Credit card

I submitted disputes to the consumer reporting agencies asking them to investigate the accuracy of the information reporting. At this time Im still asking for that information. I would like any documents you have. in reference to the amount on the account etc.
Product: Credit reporting or other personal consumer reports

The court sent a letter stating : The clerks Office is in receipt of your inquiry the reporting of credit information. The United States Bankruptcy for the the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies nor do we update information directly to the credit bureau ( from the court ) Also affidavits of Fact Truth pleading
Product: Credit card

I opened a credit card through Virgin America XXXX, who partnered with Comenity Bank for their XXXX program. I was immediately charged a $ XXXX yearly fee for the card, ok fine ... but then I was started being charged {$2.00} a month, and not knowing I was being charged {$2.00} a month, I did not pay, and then they charged late fees and interest on top of their bogus charges, which I never authorized. I 've called to have the charges waived, they did not agree, so I paid, what I though was my balance due on XX/XX/XXXX, and they said my account would be closed immediately. Then today, I saw they charged me another fee and interest on XX/XX/XXXX! I called again asking to waive these non sense charges, they would not so I paid again to get these bank out of my life. They steal your money by charging you bogus minimum monthly charges, and interest and late fees on top of that! I would like everyone to know how this bank operates, and after doing a bit of research on line, I see Comenity bank last year had to pay {$61.00} XXXX in restitution for bogus charges similar to mine. 

I would love to get my money back, and have this bank further exposed to their thievery. Shame on Virgin America for teaming with such a shady business. I will never fly Virgin America again either because of this, and will do my best to make sure no one I know ever does either.
Product: Debt collection

Getting repeated calls from a XXXX XXXX threatening to come to my job and demand that I sign papers for a court order that is on her desk. She also wants to see my supervisor and have my supervisor act as a witness in the signing of those documents. She is calling from a Georgia number - XXXX. I am located in Washington , DC.
Product: Debt collection

Since XX/XX/2023 the number of calls has increased. I dont mind one or two a day, but its every few hours every day now. I had one before XXXX XXXX. Its always a different number and always the same recorded message of Hello? Hello? On the voice mails. And every call leaves this voice mail. Not deleting them would fill my mailbox up to max capacity quickly. Is being an issue all the way around. And changing the location and telephone number each call seems suspect. It makes it seem more like a scam even though I know its not. Robo calling for debt collection and location spoofing seems illegal.
Product: Checking or savings account

On XX/XX/XXXX I received a fraud alert text message. This text message didn't feel safe, so I checked my account. There were multiple fraudulent transactions. 

I ended up calling into customer service at XXXX MST as I get up early for work and ended up waiting over an hour on hold to talk to anyone. When I did they told me they couldn't dispute the fraudulent charges until they posted and canceled and sent me a new card. 

When I got the card a few days later, I couldn't activate it. The activation line was not working. I ended up trying their chat, which wasn't answered for 17 hours. Another over 12 hours later another customer service rep got ahold of me in chat and activated my card. 

This is all background info and would have just been customer service and management issues up until this - when I complained and asked why I couldn't get customer service for my all online bank I was straight lied to by their representative. They told me that the bank had recently run a popular promotion and that's why there was a shortage of reps. The next morning, I started seeing complaints and new articles online where a large amount of others all from the same bank were complaining about fraud charges. The bank also put out a public statement online saying this was a problem for all banks and nothing was systematically wrong, which seems obviously misleading and unacceptable for a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX   with no successful resolution. Transunion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Checking or savings account

I tried to transfer money via ACH from my savings account at Alliant Credit Union. Even though I had already confirmed the transfer account last year, and done multiple transfers before, they flagged the transaction as a security risk. I called them and answered all of their questions, but they have still not released the hold on my account. In the middle of this Corona Virus pandemic, they are holding my money hostage. 

I need access to my money!
Product: Debt collection

I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! 
and the bills are just less than {$100.00}!!!
Product: Debt collection

My income has been slashed by over a third, since losing my career at my previous employer due to COVID XXXX, and I have been working with every institution I owe money to, in order to stay current and prevent further arrears. With every other debtor I owe, I have been able to get the company to stop charging interest and lower my monthly payment, and am slowly catching up. 

Except for XXXX XXXX. They refuse to stop charging me interest, so the debt just keeps getting larger. They won't reduce the payment amount, so I can never afford to pay it. And now, they sent me a letter, dated XX/XX/2021, received XX/XX/2021, that they will be pursuing litigation. 

It was my understanding that until the XXXX situation was resolved, companies were prohibited from using such tactics. XXXX XXXX is acting like a loan shark. Please let me know how I can best resolve this situation with the resources I have. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. Upon viewing a recent credit report with TransUnion I noticed they have inaccurately placed a Bankruptcy on my report. I disputed this immediately as its inaccurate and not fair. I called the court phone number that is listed on the report and was told the bankruptcy belongs to another person with the same name as mine! The clerk said she couldnt remove it from TransUnions database but also, that the court doesnt supply information to TransUnion as well. I was at a lack of words to find out TransUnion is lying to consumers and not actually verifying things, and putting inaccurate information on reports from other sources and not actually verifying items from the authentic source.
Product: Credit card

We had a small {$190.00} balance with a Chase Card that we did n't know about. We had electronic statements checked off online, but my husband had changed his email and we were n't receiving the statements. We did not receive any letters in the mail or any phone calls to inform us of the balance and to tell us that it was past due. Chase simply reported this to the credit agency without warning. This has now affected our credit.
Product: Checking or savings account

In XX/XX/XXXX I got an offer from U.S. Bank to open a checking account and get the promotional bonus of {$200.00} after I make the monthly direct deposits. 
So I applied for the GOLD checking account and did enter this promotional code XXXX on my application on XX/XX/XXXX as required. 
Moreover, their rep called me several days later to check on some details, and she confirmed this account would be eligible for the promotional bonus promised. 

However, after I had met all requirements, they declined the bonus as they allegedly could not find this promotional code on my application.
Product: Prepaid card

I purchase XXXX XXXX XXXX XXXX gift cards but have been unable to use them. When I called the card servicer ( XXXX XXXX XXXX XXXX XXXX ) they stated the cards were compromised and offered replacements. When the replacements came XXXX weeks later I tried to activate them but was informed that I would now need to provide proof of verification through email. I sent the required documents through email on XX/XX/XXXX from email address XXXX but have yet to hear back. I have resent the email today XX/XX/XXXX from the same email address and have included my claim number XXXX. I am submitting this complaint to prompt action from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office XXXX XXXX XXXX without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - -- - Incorrect XXXX : XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  - XXXX XXXX agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
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 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

I am writing to file a formal complaint regarding a COLLECTION account labeled " FIRST HERITAGE CREDIT XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter I sent a letter to  XXXX  and Trans Union back on  XX/XX/XXXX , requesting that they investigate error on my credit report. I have not received a response from either.
Product: Mortgage

I have a huge problem. My loan was at XXXX XXXX XXXX. The loan was in my brothers name that was deceased and his father in law. The mortgage was behind. I contacted XXXX, and I made an application for a loan modification with all the information they required, death certificate, title of home ( which is in my name ), small estates affidavit. 
For over ONE YEAR, I was receiving mortgage statements with my name on it. I have all documentation showing so. All of a sudden, my loan was sold to SPS. I was never informed of it. It appears someone changed the mailing address on my mortgage and the ownership title of this.

This is unacceptable what SPS has done. I am the only one on title of the home, and I am the one who is responsible for the payments. I need assistance. Plus the previous lender, XXXX XXXX XXXX is drafting the payments out of my checking account and not crediting my new loan at SPS. This is a nightmare.
Product: Credit reporting or other personal consumer reports

On about XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX Macys/cbna ( retailer ) XXXX XXXX Those appear on my credit report ( hard inquiry ) I did not apply for any credit with them, and on that time Im traveXXXX XXXX  for my business, I went out of XXXX to XXXX from XX/XX/2025 and come bck on XX/XX/2025, so I did not request any credit from those company. 
Please check, that was a scam, identity theft, I hope you will find out what wrong from who apply for XXXX XXXX
Product: Debt collection

Per Texas law, this company is required to provide proof they legally own this debt. All I continue to get is portion of statements. This is not proof they legally own this debt to be able to collect. I will be filing a compliant against them with the XXXX 

Also, this company has also failed to disclose all the names they are known by or formerly known by to me. This is also a violation of Texas law. 

Texas Fair debt collection practices. 

Texas Fair Debt Collection Practices Act 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.- ( 2 ) failing to maintain a list of all business or professional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector ; Under the Texas business and commerce code I was not provided proper notice of this debt being sold to this company nor do I have a contract or any other obligation to this company. 

Texas Business and Commerce Code - BUS & COM 9.611 through 9.613.
Product: Credit reporting or other personal consumer reports

I have requested, on numerous occasions, that Santander provide me with a copy of the Form 1099-C to clarify any tax obligations related to this charge-off, but I have not received it. If Santander charged off the debt and filed it with the IRS on a 1099-C, I am unsure how they can sell the charged-off debt to a company like XXXX XXXX  to attempt to collect on it. This situation has caused significant confusion, and I am requesting clarification on how this debt can be sold after being charged off and reported to the IRS.

I am seeking your help in obtaining the required
1099-C or resolving this reporting issue with Santander so that my credit report accurately reflects the status of this account. Additionally, Santander should clarify how they are allowed to sell this debt after it has been charged off and reported for tax purposes.
Product: Debt collection

On XX/XX/2023 I received a communication from American Express ( hereafter AMEX ), dated XX/XX/2023. This communication outlined several false statements and actions the company intends to take if I did not " respond '' in time. The communication states, " Since your account ( XXXX ) is past due and we haven't been able to reach you by phone, your account ( XXXX ) will be cancelled if you don't act soon. '' The communication further outlines threats and actions were outlined, which included : " 1. Your account ( s ) maybe cancelled. 2. You may lose any rewards you have pending with American Express, if applicable. 3. If your consumer account is reported to credit reporting agencies, your account will be reported as past due if we don't receive the total amount due for XXXX or more consecutive billing periods. On XX/XX/2023 A copy of my credit reports ( XXXX XXXX report and XXXX Report attached ) show American Express already took fraudulent and unlawful negative action against my account reporting debt delinquency. No attempts were made to contact me by phone as stated in the communication.