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

I called in a week or two ago and cancelled a membership with Experian. They accepted the cancellation but have continue to bill me since.

I have called the Consumer Dept and get a call center I can't understand. I have called two corporate numbers but they either put me on hold and never answer or they send me back to the same consumer number.

Experian makes it extremely easy to sign up and XXXX to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company 'Hire Right ' called a United States Courthouse and requested the name and social security number of a case number provided. This is partially protected information and should not be requested by a company operating in the US. Please investigate this practice as it illegal and predatory. Doubt anything will come of it though! Big corporation against regular citizens!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to Citi/ Macys Store Card . Thanks!
Product: Checking or savings account

I was in a Bank of America, XXXX XXXX XXXX XXXX, XXXX ga, XXXX on XX/XX/22 I have a business acct, XXXX XXXX XXXX I came in for to have an agreement notarize between myself and a contractor I provide services for Notary public, XXXX XXXX modified the document ; this document is a pay agreement - XXXX XXXX used her pen to cross out a date and county that was a header on the contractors agreement the notary modifying a 3rd party document is illegal and has cost my company XXXX usd at the moment
Product: Credit reporting or other personal consumer reports

Paid off a settled charged off account with Home Depot by Citibank. Contacted Citibank settled account in full on XXXXXXXX 
Requested paid in full letter they are claiming I didnt pay. Their system Shows paid in full but are refusing to apply payment and update balance hence keeping me from Reporting to credit bureaus and getting a loan.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX has not responded to none of my letters for all the fraud accounts that on my credit report.
Product: Credit card

I was the victim of a home repair scam across state lines related to my home in XXXX, I live in XXXX. The company advertised an amazing deal for certain services and I gave them my credit card number so they could charge me when they completed the job. Instead they ran up my card over {$1400.00}. Double what I originally discussed with them and all of it despite not having finished a single project. All they did was send me ONE " before '' picture with them supposedly working and XXXX update of XXXX wall being partially painted. When I saw the charges I disputed them. XXXX responded by forging my signature on invoices and submitted to Citibank - they claim I was present at the time of sale to sign off on the work. This made Citibank say that my dispute was regarding the " QUALITY '' of the work done. There was not enough/NO work done to dispute the QUALITY. I submitted over XXXX pages of documentation to support my claim including : Proof of forgery of my signature including a police report, bank records showing my real signature ... And a Police Report number where I am pressing charges. 
Proof that we could not have been at the property at the time of sale ( as the merchant alleges ) because medical and employment records have me and my mother in XXXX Communications from XXXX themselves that they could not complete the job because of personal problems, backed up by phone records. 
A CERTIFIED inspection from a XXXX Licensed Inspection Company detailing that the work being billed was not done. Not that the quality as bad or in question ... THAT IT WAS NOT DONE. 
Invoices where I had to hire another company to do the work XXXX did n't do. Stating that less than XXXX % of the home had any projects BEGUN. 
XXXX and Realtor documents showing the home was pulled off the market for " repairs '' and kept off the market for an extended period of time, with emails from the Realtor informing me that work is not being done on the house. Repairs that were not done until AFTER another company was hired. 

I have phone recordings of Citibank Dispute personnel telling me I had one of the best documented cases of unauthorized billing they had ever seen. One Supervisor even gave me her personal email so I could send her my documentation directly vs. responding to disputes @ citi email. Yet, not once but TWICE Citibank has responded that the charges were " valid '' .... No, they were not! Forgery is not valid. Charging more and more often than authorized is not valid. Starting a job just enough to take a picture and convince me that work is being done and then NEVER ACTUALLY DOING IT is not " valid ''. This is not about the QUALITY of work, there is no completed work to judge the quality of. Citibank is protecting its interests in ruling the way it did, despite common sense and a preponderance of evidence.
Product: Credit reporting or other personal consumer reports

Under 15 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 ( XXXX ), before the end of the XXXX 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 : XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX A XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

Synchrony Bank agreed to delete a hard inquiry on my credit report for a Wal-Mart card.

Instead they are forcing me to have a hard inquiry for a card we dont have or want and couldnt be processed.

They couldnt access my reports and did not get permission to access ( fraud alert placed on all agencies-actual identity theft issue ).

They did not send any documents for deletion, which they claimed could be sent by mail only, for the deletion or reduction of the inquiry to soft pull.

They argued that I had chosen to apply and couldnt back out because of their agreement.

Synchrony seems to try and bully people not interested in their store-only accounts into having accounts they dont want. My credit file had a fraud alert and both XXXX and XXXX were locked and frozen when these occurred, I had unlocked XXXX to do prequalified card offers only. 

They had three applications and said they would not process them, but I received emails saying they had processed the applications, and claiming they were unable verify my identity over the phone.

I had actually verified to them at least five times giving them all the info for their records in order to be allowed to discuss the accounts with them, but it was as though they were creating an application while I was protesting, telling me I wanted the card and couldnt stop them from processing.

I explained to Synchrony that I had visited several of their sites in the past but hadnt applied. I told her I had visited WalMart site but only saw partial details comparing two cards. Synchrony argued I had provided them my full SSN and identity info ( which now they claim they dont have ), but they only had the info because they forced me to give all the info to them the first time I called, and every call after. WalMart isnt allowed to build stores in XXXX XXXX, so its obviously unusual pressure to apply for the card even after they ignored my fraud alert. 

I need the inquiry to be deleted. The application was never processed and no one contacted me for authorization prior to access any credit reports under the fraud alert. If they had called I could have stopped the inquiry by letting they know everything was locked. I have a police report for an extended alert as well because I have provided an address from actual identity theft event.
Product: Debt collection

I defaulted on an auto loan with XXXX XXXX XX/XX/XXXX, XXXX claimed it was sold to them, then Main Street Acquisition claimed they purchased the debt. In XXXX XXXX, Main Street was compelled to delete its account from my credit report because they could not produce a valid assignment and/or proof they had the right to collect the debt. Immediately after Main Street deleted its account, XXXX XXXX XXXX began reporting the same debt claiming title to the same. 

By certified mail dated XXXX XXXX I demanded verification of ownership and the right to collect the debt. On XXXX XXXX, XXXX XXXX XXXX produced a copy of the original paperwork from XXXX, but no copies of any assignments or any other document substantiating, proving or evidencing their right to collect or report the debt to the collection agency. In addition, they are purposely omitting the last payment date information to the credit agency to make the debt appear recent when in fact the statute of limitation ran out on XX/XX/XXXX I consider the omission to be a fraudulent misrepresentation of the legal status of the debt in violation of the Fair Debt Collection Practices Act 15 USC 1692e ( 2 ) AFinally, XXXX XXXX XXXX 's attempt to brush off the verification of title ownership by merely providing copies of the original contract is clearly unresponsive to my request for verification of their alleged rights to collect or report the debt. If they are not able to produce evidence ( not a self serving statement ), actual documented evidence of an assignment, transfer or sale establishing a chain of title back to the original creditor, I demand deletion of their reporting to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My friend XXXX XXXX referred me to Chime because they have an offer of XXXX dollars if friend opens an account with a direct deposit of XXXX dollars or more, on XX/XX/XXXX I signed up and opened an account with the expectation of the XXXX dollar bonus I in addition immediately went to Social Security. Gov and changed my direct deposit to Chime and the government said the first deposit would be XXXX of XXXX. When I didn't see my bonus I called Chime and inquired about the bonus and they said I didn't qualify because it took more than 45 days for the deposit to be made. No one on Social Security would qualify under these terms and therefore not a real offer just bait, because Social Security will always take more than 45 days to stop and start a direct deposit. Offer is totally bogus.
Product: Checking or savings account

I HAVE HAD ACCOUNTS AT AMEGY BANK FOR 14 YEARS AND THEY DECIDED TO CLOSE MY ACCOUNTS BY XXXX. FIRSTLY I LOST USE OF MY ON LINE ACCOUNTS IN MID XXXX AND THEY STARTED TO RETURN CHECKS TO PEOPLE I WROTE CHECKS TO BEFORE THE XX/XX/XXXX DATE. MORE IMPORTANT IS THAT I HAD NINE CD 'S 1. {$10000.00} 2. {$1000.00} 3. {$26000.00} 4. {$10000.00} 5. {$10000.00} 6. {$5000.00} 7. {$6000.00} 8. {$1000.00} 9. {$50000.00}. I was earning interest on all the cds and none of the terms had expired. Amegy bank closed all the cds without reason and sent me checks XX/XX/22 and XX/XX/22 not paying me interest on the cds from there closure and holding the checks to send out XXXX XXXX. On XX/XX/22 I received a call from the bank that they have stop payment and are sending the cds to XXXX XXXX even though I am not in default with XXXX XXXX. I did not agree to this and I am losing money because Amegy violated my contract with them. I also need access to my old accounts for tax reasons. I think that Amegy should reinstate my cd and give me my back interest.
Product: Credit reporting or other personal consumer reports

Inaccurately reporting account monthly, account is closed please remove from credit report. I want to inform you that this is not a refusal to pay but in accordance with my rights under the Fair Debt Collections Practices Act I am disputing this account and requesting validation of debt. ( 15 USC 1692G SEC.809 ( B ). I am not requesting a verification, but I am requesting validation of contract. I am requesting that your office provide me with evidence that I am obligated to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 and XX/XX/2017 your company pulled my credit again. I have been going through this for a year with you guys and its getting old and annoying. I dont know if their is a glitch in your system or someone is purposely running my information periodically. Please remove inquiries from XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I accessed my Cash App account on XXXX, XX/XX/XXXX, XXXX, but I was **never notified of any data breach**. There was no communication from Cash App regarding any potential exposure of my personal or financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/2022 and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX  # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX  XXXX Inaccuracies found, ( condition of account inaccurate ). XXXX XXXX XXXXXXXX inaccuracies still present, ( reported dates, date opened unavailable XXXX XXXX XXXX XXXXXXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX XXXX XXXX # XXXX inaccuracies still present, ( pay status ) XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation.
Product: Credit reporting or other personal consumer reports

ok so the complaint appears to not be getting heard. the last time I complained I was asking XXXX XXXX disclose who the flesh and blood human being was that validated the debt not for them to send me over the bank statements. they continue to send bank statments when I continue to ask for the accounting records. XXXX XXXX  has charged off the account yet they continue to report on it. XX/XX/XXXX they reported the account closed when it has been reported a charge of quite some time ago almost for about XXXX years now. This account remains on my credit report and is updated on a monthly basis further perpetuating the fraud. pursuant to FCRA 605 ( c ) which carries civil liability of XXXX they continue to " re-age '' the charged off account. further more pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the person XXXX  XXXX continues month after month with each update carrying a civil liability charge of XXXX and enough grounds to take this person to district court for persistently violating federal law on a monthly basis. further more XXXX has been furnishing information from I dont know and continues to allows the person named XXXX  XXXX to report the debt as valid on my credit file for XXXX this is defamation and willful injury which are grounds for a solid case against this person and the proof of the injury is memorialized on my annual credit report. this is pursuant to FCRA 623, XXXXXXXX XXXX XXXX, corporation, Us court of appeals for the XXXX XXXX XXXX case XXXX XXXX XXXX. XXXX XX/XX/XXXX filed ( XXXX XXXX. XXXX ) which does carry civl liabilities that are defined to be as " any actual damages sustained by such person as result of such failure '' any being defined as unrestricted. further more, XXXX has failed to delete information that has been deemed inaccurate by other credit bureaus. same applies to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX bank sent in theft report and XXXX have not removed yet. 
XXXX XXXX is a result of fraudulent account and XXXX have not removed yet. 

XXXX  Bank is a result of fraudulent account and XXXX  have not removed yet. 

XXXX XXXX bank is result of fraudulent account and XXXX have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx 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 XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX inaccurate information and invalid information. My identity was stolen below is my consumer report :? 
XXXX Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, 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 or information not later than 4 business days after I sent the letters last XX/XX/XXXX. 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 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 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 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies, my financial institution and Zelles failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving use vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 

account name : XXXX XXXX XXXX XXXX XXXX  ) account number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my Chase Visa card was charged {$120.00} for a yearly XXXX recurring purchase even though my credit card was locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( XXXX, XXXX, XXXX, XXXX ) XXXX XXXX # XXXX have violated my rights. 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
Product: Debt collection

The company is in violation of 15 usc 1692b ( 2 ), 15 usc 1692b, 15 usc 1692c. Ive sent multiple cease and desist letters to the company they have not responded in a timely manner, nor did they have my consent to collect on a alleged debt another violation of 15 usc 1692e. I sent a letter on XX/XX/2022 with no response or verification that the alleged debt is mines while it is still reporting on my consumer report. They have not properly addressed my affidavit of truth that was sent out XX/XX/2022 not rebutting the violations line for line with another affidavit. The company has violated my consumer rights as the originator of credit I did not give any written consent or permission for a third party company to collect on a alleged debt on my behalf
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX : ** XXXX