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

I sent a XXXX letter last XXXX XXXX, 2022, however, I did not receive any responses from you. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) requires the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reported accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  DA XXXX Balance : {$940.00} ; XXXXXXXX XXXX  DA XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

So Ive had a loan with XXXX on a rental property at XXXX XXXX XXXX XXXX California XXXX The loan number is XXXX. My account number is XXXX. I have spoken to XXXX XXXX XXXX  XXXX, XXXX and XXXX. They dont give out their last names. So what happened is that I have had an auto payment set up with them for as long as I can remember it should be debiting {$1200.00} from my account on the XXXX of each month. For no discernible reason, and according to the people at XXXX that Ive spent numerous hours trying to figure this situation out. Say that there was a glitch in there system. So what happened was all of a sudden it stopped auto drafting for XXXX and now theyve reported to the credit bureau that I have a late fee. I called and paid and got the loan current. But they keep referring me to this higher up department at the email address XXXX. The other issue is I am right in the middle of financing a large project so this is directly impacting my business and livelihood. When I send emails to this email address, I just get automated responses saying theyll look into it. Im very upset and I need this issue resolved right away. Ive even called my bank to double check and make sure there was nothing on there and and they reassured me at XXXX bank that nothing has changed on there end. I would really appreciate if you guys could help me resolve this issue with them. I just need them to fix this and fix it quickly. Thank you
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After seeing 3 different branch managers and an uncountable amount of phone calls with corporate for over a year, for simply wanting to cancel wire services since XXXX of 2021, getting charged monthly fees for a service I requested to cancel, getting charged for stop payments on multiple occasions for transactions I did not authorize and still getting rejected, after so many bank visits, emails, additional monthly fees for XXXX knows what that no branch manager or account specialist or customer service rep could even explain to me what these fees are for, let alone follow up or do anything about it - I finally was able to close my two business banking accounts with PNC today. I feel humiliated and cheated out, since all these fees and unauthorized charges totaled over a couple of XXXX dollars. Each time I came last to visit PNC bank branches in XXXX XXXX XXXX XXXX XXXX branch managed by a XXXX branch XXXX named XXXX, XXXX XXXX branch managed by a careless branch manager named XXXX XXXX XXXX and a downtown branch formerly managed by XXXX ) I felt XXXX small and unimportant. They've all seemed " so helpful but busy '', telling me to send them an email, never following up, never calling back, never doing anything about it. When I call corporate they start telling me that I did request a cancelation for my wire services back in XXXX of 2021, but the branch manager never gave me another paper to sign to confirm it? Why is it so intentionally convoluted? And when I ask the branch managers about it they look at me as if I just landed from XXXX. They even put a new " work order '' for the wire services cancelation a month ago and never followed up with me about it. I have email communications proving all of this, bank statements and if needed deeply enough you could look into camera footage and see the amount of hours I spent in frustration at these branches, to no avail. This bank is run by XXXX, and even if I don't get anything back I want people to know about this running XXXX of a crime organization, claiming to be a bank. I'm just beyond tired of all this. If needed more evidence, I'm more than willing to dig through and gather any information about what I said here, I'm just so exhausted from dealing with such nonsense while on top of that trying to run a business, let alone have a life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX  Account Name : XXXX XXXX  Account XXXX XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Student loan

I can not sign up for auto pay, and this is something targets younger people to not have working. When I called for support, the agent gave me a due balance amount that was different than what was showing on my online portal, which could have caused me to have more fees if it was not enough. Additionally, when I asked for help figuring out why auto pay was not working, the agent muted the phone and ignored any follow up. I was also never called back.
Product: Checking or savings account

Subject : Formal Complaint Against Chime Denial of Valid Dispute To Whom It May Concern, I am filing a complaint against Chime Financial , Inc. regarding their improper handling of a dispute I filed on XX/XX/year> for a {$69.00} charge from XXXX. I provided clear evidence from XXXX customer service confirming that the charge was made in error and that I am entitled to a refund. However, Chime has wrongfully denied my dispute despite this evidence multiple times. 

Attempts to Resolve the Issue : On XX/XX/year>, I contacted Chimes customer support at XXXX XXXX  to follow up on my dispute being denied a second time depite providing ample evidence. A representative named XXXX informed me that the dispute department would direct me to a supervisor or XXXX for further assistance. 

However, at XXXXXXXX XXXX I was connected with XXXX, a Dispute Supervisor, who refused to transfer me to anyone else for further assistance and did not provide any resolution or meaningful help. This dismissive response further highlights Chimes failure to properly investigate my claim or follow basic consumer protection standards. 

Requested Action : I request that the CFPB investigate Chimes handling of this dispute and ensure they comply with the Electronic Fund Transfer Act ( EFTA ), which mandates a fair and thorough review of disputed transactions. I also urge a review of Chimes customer dispute resolution practices, as this experience suggests potential systemic issues. 

Please let me know the next steps in resolving this matter. I appreciate your time and attention to this issue.
Product: Debt collection

Aargon Agency INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has been sending me collection notices in the amount of {$300.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

I have been a Bank of America customer since 2009, with just one checking account to my name. 
I recently noticed two fees in the amount of {$12.00} each for the months of XXXX and XXXX. I contacted Bank of America to inquire about the fees, and they claim that they changed their policy to charge a maintenance fee to " be fair to all customers ''. The bank claims that I received the notice of the policy change, but going back to check electronic statements on Bank of America 's own website, I see that they did not, in fact, send me any such notice.
Product: Mortgage

On XX/XX/2023 Roundpoint Mortgage sent us an end of the year Escrow Analysis which showed a significant overage of {$650.00}. They stated that they were going to send us the money a two to three days. It has been a month and we have not received the money. We called and talked to someone and they stated that they hadnt sent the money to us. Instead they sold Our loan and sent the money to a new mortgage company. I called them XXXX XXXX  and they state that they do not have our money and we have to get It from Roundpoint. I have talked With both companies and neither Company is willing to give us our Money. Please help Us. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year>, 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 four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached an idenity theft report which list the fraudulent accounts and hard inquires in question. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three unauthorized inquiries in my equifax report file. # 1 by XXXX XXXX onXX/XX/XXXX # 2 by XXXX XXXX XXXX onXX/XX/XXXX and # 3 by XXXX XXXX XXXX on XXXX
Product: Debt collection

I went to buy a car at dealer from a very good friend and in the middle of the process he ask if i was ok and i ask what do you mean? He said looking at my Credit report he can see i went to XXXXXXXX XXXX  This is not acceptable! with do respect i should be protected under Hippa or At least notes explaining that Im ok and don't have any type of XXXX. I have disputed this with all three credit reporting agencies and called creditor and they laughed. This should be removed or at least re worded to unknown.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX in the XXXX XXXX, and I am victim to fraudulent business practices that is threatening my livelihood. Between XX/XX/2022 and XX/XX/2022 I made purchases with the Klarna buy now, pay later service at XXXX, XXXX, and XXXX. Within several days I had returned everything purchased, most the very next day. I had a change of mind and didn't use any of the products returned. I returned the items to the stores and got physical receipts. The total expected refund amount in question between the 3 stores is approximately {$1000.00}. I have not received any refunds in-person, digital refunds from Klarna, or the promised paper checks I should have received almost 2 weeks ago. Klarna has now ignored my attempts to communicated through the email threads with Klarna. 

Klarna admitted that their system couldn't refund my payment methods for some reason and that paper checks would be mailed to me for the total amount of these purchases + any fees or interest. Then I could use said checks to pay the balances off. I haven't been refunded any of my down payments to date either. I have had my bank block them because they continue to try and draft payments towards purchases whose goods were returned to the stores. They have now sent me collections/credit threat letters, refused to extend payment due dates or reverse associated late fees. I returned these products to the store over 2 months ago and still have no refunds. They owe me over {$1000.00}, which will total approximately {$1700.00} over time if they force me to pay/send to collections. Again, all for items that I no longer have and were all returned properly to the store with return receipts!
Product: Credit reporting, credit repair services, or other personal consumer reports

l have 4 active credit cards over 2 years old and 2 active personal loans and l still can not get a Fico score from Equifax. 
I have been sending them letters for over 2 years with no result. 
I filed a complain with your institution on XX/XX/2019 without any result. 
So, can you help this time? 
My current Fico Score is XXXX. 
Can you do something about it, please? 
Thank you.
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 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 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 an 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: Credit reporting or other personal consumer reports

The company known as CHEX SYSTEMS, INC. is currently reporting inaccurate information onto my consumer credit file at the agency. This information is being reported as a result of identity theft. I have never given consent nor authorization for these institutions to access my consumer credit file at CHEX SYSTEMS , INC. The information that is currently reporting to this credit reporting agency is unauthorized and a result of identity theft. 
I have listed the companies on the attached Notice and FTC Identity theft Affidavit, including the online filed FTC ID theft report. Although it is NOT required i went the extra mile to file a police report which is attached as well. An updated report will be sent to the company once received by the Sheriff 's department. NOTE that there is no requirement for any " police report '' besides the FTC Identity theft report and that any attempt to " stall '' your duties with the excuse of not receiving a " police report '' will be considered noncompliance with Federal Law and the Fair Credit Reporting Act 15 USC 1681c-2 ( a ). I have mailed CHEX SYSTEMS, INC. the information priority overnight express through the Post office so they will receive it by end of day XXXX. Pursuant to Federal statues 15 USC 1681c-2 ( a ) I overstand that the credit reporting agency is to immediately Block and remove this information within 4 business days of receipt by the agency. I am severely distraught that my personal information has been used in an unauthorized manner and am actively taking every measure to get to the bottom of it. Once again no consent was given by me to any of these companies/institutions to run credit, conduct an inquiry or any other action in regards to CHEX SYSTEMS , INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

refuses to remove hard inquiries when there is no actual proof of identity such as a drivers license or an actual signature ; XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up on Inaccurate and Incomplete Information in My Credit Report To Whom It May Concern, I am writing to follow up on my previous correspondence regarding inaccuracies in my credit report. Despite my request for an investigation, the inaccuracies remain unresolved, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Below are the specific provisions of the FCRA that I believe have been violated : 1. Accuracy of Report ( 15 USC 1681e ( b ) ) Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in a consumer report. Equifax has failed to ensure the accuracy of the information in my credit file. 
2. Description of Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) The FCRA mandates that consumer reporting agencies provide a description of their reinvestigation process upon request within 15 days. I have not received any such description despite explicitly requesting it.

3. Treatment of Inaccurate or Unverifiable Information ( 15 USC 1681i ( a ) ( 5 ) ) Information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must either be deleted or appropriately modified. This has not occurred, leaving the inaccurate information unresolved. 

I request a prompt reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to address these inaccuracies promptly will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights under the FCRA. 

Please provide me with a detailed response, including any corrective actions taken, no later than 30 days from the date of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the unresolved fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing significant distress and financial harm. 

As outlined in my previous communications, I have diligently provided all necessary documentation and evidence to support my claims of fraudulent activity on my credit file. However, it appears that these efforts have been in vain, as the fraudulent items continue to tarnish my credit history and reputation. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes appropriate measures to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the steps being taken to address the fraudulent items and a timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assistance 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am complaining because I was a victim of Identity Theft and had a bunch of inquiries on Equifax, XXXX and XXXX, I have called XXXX  and XXXX  and resolved the problem with them, now Equifax I have disputed the inquiries online, have called them and talked to them about the situation and they still telling me that they are not going to remove the inquiries on my report. This is very unprofessional and they should know treat their clients especially if its a paying member.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.