23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a XXXX TV from Best Buy in XX/XX/XXXX using the best buy credit card ( issued by Citibank ) and it had a return window of 14 days from Best Buy. A month later, the TV gave me a lot of technical problems. After resetting the TV and trying all troubleshooting steps, I reached out to Best Buy and they said that if the product is out of the return window, I would have to contact the manufacturer. I contacted XXXX who helped me by telling me to turn my TV off for 24 hours and not use it and then turn it back on after that time period to see if the issue was resolved. The issues were not resolved and no further help or remedy was offered. I disputed the transaction on the Best Buy credit card invoking a billing right listed in their terms and conditions that mentioned if I am dissatisfied with a purchase and I have tried all remedy options in good faith, they will investigate the dispute. I first sent a letter as the instructions indicated to send a letter in writing. I did not receive a response for some weeks. I then called Best Buy and initiated the dispute over the phone on XX/XX/XXXX. I was informed with a letter that while the investigation is ongoing for the dispute, I would not be required to make payments on the card. On XX/XX/XXXX, I received a statement for the credit card now showing a minimum payment. I called the credit card company and they confirmed that the investigation was indeed ongoing and that they STARTED working on the dispute on XX/XX/XXXX, more than 90 days later. They stated that I should not be liable to make any payments while the investigation is ongoing on the dispute and that they will fix this issue however, the payment due date is approaching on XX/XX/XXXX and they still have not removed the minimum payment after multiple calls and the dispute is still open with no official correspondence in more than 120 days since the dispute was initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

As private federal protect consumer I would like to point out your lack of responsibility when it comes to my consumer report. Unintentionally or intentionally doesn't matter. We are going to go from top to bottom with the Nemours of errors on my consumer report. To clear up any mix up with other peoples identity. I will include a copy of my ID, SSN and Proof of Address. First in foremost my name is XXXX XXXX XXXX ... .... Not XXXX XXXX REMOVE immediately. This is Violation Number 1. My only and accurate and MAILABLE address is XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ... .... remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated- Violation Number 2. My SSN is attached as well as you can see my SSN ends in XXXX. SSN 's listed are not mines XXXX as shown in the documents this may be a result of identity theft or compromised info being merged with someone else 's again you failed to insure the complete accuracy of my consumer report- Violation Number 3. Violation number 4 you failed to reinvestigate this account when it opened. this account is not mines XXXX XXXX Account number XXXX only phone service I ever been with is XXXX. this maybe an result of identity theft! I will look more into this matter to gather more information on this account from them. I am unable to locate the mailing of late payments from you or the creditor of XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment is due. Please explain Who you spoke with date and time and any documents proving requirements were meant. XXXX XXXX XXXX FIN XXXX the account number it self is undefinable and inconsistent with XXXX XXXX XXXX not only that XXXX XXXXXXXX XXXX on debt time limitation is 4 years. its funny how there's no data for almost 5 years and then want to start to report this is defamation of character and false representation at its finest to report on a debt it lawfully cant collect which some may call XXXX XXXX. This account needs to be removed immediately. Account XXXXXXXX XXXX XXXXXXXX is not in compliance with XXXX XXXX format.
Product: Credit reporting

You are now in direct violation of the FCRA. It clearly states this in your response prior that it will take within 30 days which was XX/XX/XXXX. It is now XX/XX/XXXX and still no response. 
We respectfully request that the item in question be removed from my account ASAP.
Product: Credit reporting or other personal consumer reports

On my credit report, there are four names that are not mine and are linked to different Bank of America 's credit cards. Bank of America added a lot of personal information that is not related to me under my credit report like addresses, names, etc. I tried to contact with XXXX, but they are not able to delete those information as it is linked to credit card accounts. I called Bank of America and it is not useful. I need help to correct those.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with TransUnions handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with TransUnion have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as TransUnion, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite expressing concerns about inaccuracies on my credit report, TransUnion consistently fails to verify the information promptly, resulting in continued damage to my credit score and financial standing.

2. Extended Response Times : TransUnions investigations routinely surpass the stipulated XXXX timeframe mandated by the FCRA. This delay has significantly impacted my ability to secure credit, obtain loans, or make crucial financial decisions. 
3. Inadequate Communication : Communication from TransUnion during the dispute process has been insufficient, leaving me uninformed about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process.

4. Repeated Neglect : My attempts to address these issues with TransUnion have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that TransUnions gross negligence in investigating credit disputes directly contravenes the FCRA, undermining the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against TransUnion and takes appropriate action to ensure compliance with federal laws and regulations. Moreover, I urge the CFPB to hold TransUnion accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information.

The impact of TransUnions negligence on my financial well-being is substantial, and I trust that the CFPB will address these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed somethings are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.

Online disputing : Equifax Dispute : According to XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Friday XXXX XXXX 2017, Equifax announced that they were the subject of a network intrusion, and details on millions of people was compromised by an unknown third party. I have come to find out that I was among those with details compromised, but have not been told the exact personal details that have been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to XXXX with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to XXXX sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX am, and also a letter to Experian sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXXXXXX XXXX on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Experian, XXXX, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
Experian, XXXX, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Product: Credit reporting or other personal consumer reports

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | Experian Information Solutions , Inc. | Report No. : XXXX Dated XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I got XXXX insufficient funds charges in the amount of {$27.00} from a CLOSED Venmo account. When I contacted VENMO, I was told I would have to reopen the account but couldnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to violate my consumer rights by reporting inaccurate information on accounts that have been removed off my credit but re inserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all XXXX credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.
Product: Checking or savings account

I went on Chase.com to open a Business checking account for my mortgage broker business and I was denied the account opening when I entered the XXXX XXXX XXXX and I was asked to visit a branch location for opening the account. Today morning at XXXX I went to a Chase Bank branch on XXXX XXXX XXXX XXXX XXXX and met with their banker XXXX XXXX to open the business checking account and provided him the XXXX and the certificate of formation from the State of Texas. When XXXX entered all the information and then entered the XXXX XXXX XXXXXXXX he got the same message on his screen that Chase will not open by business checking account due to that XXXX XXXX. As per the anti trust laws this is stifling competition and for that purpose CFPB needs to investigate Chase bank to stop the practice of refusing opening accounts for Mortgage brokers to reduce competition in the mortgage industry. This is illegal.
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 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A 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 reporting agency
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX under XXXX XXXX has violated my rights. My right to privacy, my bonafied purchaser rights and fraudulently reporting a certain amount wrong to the reporting agencies and I have proof that the amount reporting on all agencies is wrong. They unlawfully repo'ed after the vehicle was placed under a TRUST and it was reported to the DMV, that it was no longer registered under the state with proof of no liens, which violates the UCC lien that I have in place and all my property. We will be taking XXXX XXXX to Arbitration for securities fraud as they have no rectified this situation, by consistently ignoring my email. 

15 USC 1681 section 602A, states I have the right to privacy 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 and crimes which antedates the report by 7 years
Product: Consumer Loan

I had a hardship back in XX/XX/XXXX. I, under my own accord, volenterally repossessed my XX/XX/XXXX XXXX XXXX. I had a loan thru XXXX. We agreed on a settlement with monthly payments that are due each month for the amount I was upside down on my loan. They call me every month witch I am usually at work when they do. I have asked them to stop calling me as I am agreeing to the settlement and have made every payment on time. They told me that there " system calls me automatically ''. I understand that if someone is n't making payments or is late they would call, but for someone that is making ever effort to make the payments on time why sound I be harassed this way. I was also told that I could make my payments with my credit card with a 9 % charge. I have to mail my payment because of this. I do n't understand that if I am paying my regular car payment I can do this online. Because of the settlement process it makes me feel like they are trying to make every effort for me to be late and break our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

# # # # ***Hello, my name is " XXXX XXXX ``. I have been trying to make some changes in my credit report since i saw some incorrect information about, some of my addresses and all of the employment information. ***These information are not belong to me and have no relation tight to our business. I see that it is really capable of having bad effect in my credit report so i demand to have all the false information change!!!!!! 
Here are the name, addresses and employment information that need to be removed immediately. 
************************************** *EMPLOYMENT INFO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX , WA XXXX ************************************* XXXX XXXX XXXX XXXX , WA XXXX
Product: Debt collection

As of XX/XX/2022 I have paid the outstanding amount owed as well as all of the collection fees that were due to the XXXX county clerk of courts for MIDLAND CREDIT MANAGEMENT INC. they have refused to accept payment and notify the credit bureaus this payment has been made they are falsely reporting that I'm occurring interest each month on a debt that has been paid in full this account needs to be removed and updated to the credit bureaus with the correct information
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

On or around XX/XX/year>XXXX  CashApp refused to refund monies that were not received. Multiple disputes were submitted with no resolution. 

My account name is XXXX XXXX