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

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither Equifax, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX and Clarity Services Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX and Clarity Services consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 11. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

12. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
13. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

14. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

15. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX and Clarity Services violate my rights under the following laws : 11. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
12. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

13. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
14. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

15. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX and Clarity Services. Specifically, I ask that : XXXX. XXXX and Clarity Services provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX and Clarity Services corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX and Clarity Services report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove these fraud items in 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 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: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card Account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An unsecured loan open at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), and a unsecured loan opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX # ( XXXX ) XXXX # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you have failed to respond to my dispute letter. I sent this letter registered mail and it was signed and delivered for on XX/XX/2019. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you may know, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

I have included a copy of my original request, the dated receipt of your reception of the original letter you have mistakenly placed on my records. 

Please delete the erroneous items from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Product: Money transfer, virtual currency, or money service

The evening of XX/XX/XXXX I learned that I was a victim of an email scam and wire transfer fraud resulting in a loss of {$54000.00}. 
We sold our home in XXXX, CO. We closed on the sale XX/XX/2018. 
We were in the process of buying a home in XXXX, NM. We were closing on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NM XXXX. 
XXXX XXXXEscrow Officer XXXX XXXXEscrow Officer XXXX XXXX It was revealed at this time that a company who claimed to be the closing partner of Old XXXX XXXX XXXX had requested a wire transfer from us for {$54000.00} on XX/XX/2018. We wired the money to the partner. Buyer, XXXX XXXX XXXX sent an email to XXXX XXXX, the Mortgage Consultant asking if this was a legitimate request. He [ bogus reply ] responded, I advise for you guys to wire {$54000.00} ( Cash to Close ) today to the wiring instructions sent by XXXX this morning. I wired the money as per the Wire Instructions. 

The parties involved were : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX-Escrow Officers XXXX XXXX American Financing, XXXX XXXX-Mortgage Consultant XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX , CO XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX-Agent XXXX XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX, NM XXXX My desired resolution is to get my money, {$54000.00}, back. 


Wire Transfer date : XX/XX/2018 Sent from : XXXX XXXX XXXX Wire transfer amount : {$54000.00} Reported fraud on XXXX XXXX XXXX Checking account frozen per advice from XXXX XXXX recommended that I file a police report Action taken by XXXX : Recall As of my inquiry on XX/XX/XXXX to XXXX, the investigation is closed. The receiving bank, J.P. Morgan Chase declined the recall. According to information given to me by XXXX, the bank that received the wire transfer had its routing # and account # at XXXX XXXX XXXX XXXX, XXXX, NY.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX I accidentally paid my JetBlue XXXXXXXXCard twice from my XXXX XXXX XXXX account. {$10000.00} was paid twice. I caught the issue in early XXXX and called immediately. Customer servicetold me they would try and cancel the second payment. I called again in mid-XXXX  and I was told that the request had not been processed and that they would issue a check I called again in early XXXX to inquire about the check and I was told I was under investigation. On XX/XX/XXXX They issued a formal letter which I havent closed asking for another 45 days to deal with my issue. What are my rights? This seems illegal that I should be sitting now for 2 1/2 months with a negative balance and money owed to me. Based on their request for another 45 days they will have had 10,000 of my hard earned dollars for over four months
Product: Credit card or prepaid card

All charges from XXXX, XXXX XXXX, and XXXX were for products sent that were no way near their descriptions, were defective, faulty and caused injury. I went through these companies fake " dispute '' process which just protects XXXX. I spent a lot of time making videos, taking pics and writing up a lot, not to mention getting third party written opinions of the condition. They should have all been refunded but Chase just really dropped the ball. I kept calling and writing Chase over 40 times in past year and resubmitting the evidence and never got one uncanned reply. They did nothing. This is not protection at all. The charges add up to 9k now. I kept the acct open so they could fix it and want this stuff returned. XXXX did not want to pay for return shipping. They are treadmills that are super broken and the dimensions are 4 inches shorter on the belt than said. That makes a huge difference and they caused injury. Also the computers didn't work, bearings, belt rungs, and much more. The shoes ordered fell apart from just opening. They were all made super shotty and not like the pics. The vendors all claimed to have 100 percent warranty and guarantee and it was 0 percent. Why is Chase defending XXXX when the evidence was so blatant? Is Chase funded by XXXX? Chase acted very negligently by not honoring their contract for purchase protection.Main menuOpen main menu FeedbackOpens new window MessagesYou have 4 message ( s ) : shows content below. More messages may appear after some time.4 Open an account : opens menu Chase Private Client logoAccounts SearchSearch : Need anything? Just ask. 
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Inbox ( 11 ) Sent messages, current selection Special offers Go back to the top of the menu.Previous message Sent messagesOpens information dialogue : Sent messages New message My messages Date DateSorted descending To To, not sorted Message Message, not sorted XX/XX/XXXX Chase Online Re : Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Update to an existing dispute Expiring soon
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XX/XX/XXXX - XXXX - {$4300.00} XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit card or prepaid card

XXXX XXXX, 2022 I contacted PNC customer service and requested that my payment due date on my credit card be change from the XXXX of the month to the XXXX of the month and was told that it would take XXXX statement periods for this to go in to effect.I receive my statement and learn that minimum payment would increase from XXXX a month to XXXX a month because of interest charge. I paid XXXX a month interest when my due date was on the XXXX of the month, now that my due date has been change to the XXXX of the month my interest has increase to XXXX. I requested that my due date be change back to the XXXX of the month. I was told that I would have to wait a year to change my due date again. I do not know if I can make the payment increase and will have to close the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!
Product: Credit card or prepaid card

Bank of America allowed a fraudulent credit card opened under my name and my SSN in XX/XX/2023, and Bank of America stated that the information on the account is not being reported to the credit agencies, therefore, I need to know why my XXXX credit report is showing this fraudulent Bank of America credit card and it has been reported OVER THE LIMIT as of XX/XX/2023. ( Please see attached supporting document. )
Product: Mortgage

Wells Fargo was found to have illegally assessed fees and interest charges on auto and mortgage loans, misdirected loan payments, and wrongly repossessed consumers cars. The bank also sprung unlawful surprise overdraft fees on its customers and tacked on other incorrect charges to checking and savings accounts. I believe I was effected in all of the things Wellfargo did to there consumers and should have been a person in the settlement but can not get the company to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate item on my Experian credit report under the Fair Credit Reporting Act ( FCRA ). The account from XXXX XXXX XXXX Account number:XXXX  is reported in collections for several months, which I believe is inaccurate and unverifiable. Under FCRA 609 and 611, I have the right to accurate and verifiable reporting, and this account must be corrected or removed if it can not be substantiated within 30 days. This misreporting is negatively affecting my credit, and I demand that the item be investigated and removed immediately if found unverifiable. Please confirm receipt of this dispute and provide a resolution within the legally required timeframe.
Product: Mortgage

I would like to file a complaint against TD Bank , NA Loss Mitigation Support. I have submitted not once but XXXX XXXX pages for an application for assistance in order to save my home from foreclosure due to my exhusband not paying after being court ordered and filing for bankrupcty relieving him of all obligations and authorizing me to modify the payments to keep my home. The first time I submitted the paperwork they sent a letter of denial to my exhusband instead of me which I would not have known about if I did not contact TD directly. I also missed the appeal deadline as well because I did not receive the notification. My exhusband signed everything over to me and TD insists they do not have his authorization when in fact I sent it both fax and regular mail certified. Because of the mistake they made my home is now up for Sheriff sale XXXX/XXXX/15. I stressed to them that they are sending any and all information to the wrong address and I was finally able to get a representative to correct the address since the rep I spoke to prior to this would not do so! I want to work with TD and start paying them what is owed and what my exhusband failed to do so I can remain in my home and not on the street! I have submitted more than enough information to them to help me in my situation. They seem to constantly lose paperwork and tell me I 'm missing information when in fact it has been submitted. The more they keep doing this, the more I am pressed for time and I am running out of options!
Product: Checking or savings account

Wells Fargo would hold deposits for days, they charged unnecessary fees.
Product: Credit card

I paid a {$11000.00} fee and forfeited {$XXXX} in wages and PTO to payback costs of an XXXX after leaving an XXXX. Their were other factors involved, which can be boiled down to that issue that the certification vendor would not be notified of this agreement or either of our disputes. 
I have detailed paperwork ( an actual contract ) documenting their promise. 
I was not able to obtain a full-time job again in that field for another 5 months. 
At that new job, I was promptly fired because they found that the XXXX had a complaint on file from my prior employer. The contract expressly states that such complaints violated the agreement. 
I contacted the former employer who helped me get the certification, but they will not reply to any form of communication. 
I contacted my credit card and they can not get through to the former employer. 
They finally closed my dispute saying that : " This is well past the 60 day period and we have no obligation to help you. " I had no way of knowing the former employer 's failure until the 5 month point. 
What can I do now? 
Out of work and out of {$16000.00}. 
By the way, that contract expressly forbids legal action from either party regarding any past or future disputes.