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

The items listed are reporting inaccurately on my credit report and are not in compliance. XXXX XXXX, Experian, and XXXX  are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the

items listed below. this is the 3rd investigation, these accounts were never updated properly. I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail
to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX
Product: Credit card

I made an international transaction using my Chase Sapphire XXXX credit card on XXXX  for an apartment in XXXX from XX/XX/XXXX to the XXXX. Upon arriving at the property, the landlord was not present and expected us to set the entire apartment up with him on a video conference call. The night of the XXXX, we discovered there was NO hot water, NO heating, and No access to half of the appliances in the kitchen as they were inoperable. The next morning we contact XXXX  and described the situation and asked for relocation or a refund due to the issue and were denied both. Over the next couple of days, we contacted XXXX countless times and they pleaded with the landlord to come fix the hot water issue and the final day, the landlord begrudgingly agreed and told us upon arriving we were not his slaves. We contacted JP Morgan Chase Bank about the situation and filed a partial dispute {$350.00} because the services provided were not as described. Chase took 21 days to investigate the dispute, calling me countless times for additional information and telling me on XX/XX/XXXX they would call me back on XX/XX/XXXX to resolve the dispute. Today, XX/XX/XXXX, I called them because they never called me and they denied the claim in entirety saying that when I checked into the apartment I voided all dispute rights even though they clearly have policies around disputing services that are not as described. I pushed back firmly clearly articulating my reasoning and they finally offered me a courtesy credit of {$100.00} most likely to keep me as a customer. I reviewed the dispute outcome letter provided by Chase and XXXX and XXXX provided fraudulent and inaccurate information stating the the landlord showed us how to use the hot water, which he did not and also provided a customer call timeline with a note underneath saying that the call log represented that we ( the guest ) had agreed that everything had been resolved. This was NOT the case. The call log represented the countless times we called XXXX to try and get them to resolve or compensate us for the horrible experience we had. Neither Chase nor XXXX acted ethically and it is absolutely unacceptable that XXXX falsified information to Chase to ensure the dispute outcome would be in their favor. This is not only illegal but is unacceptable business practice in the United States and if escalated can impose serious consequences and penalties. I expect Chase to make this dispute right and honor their dispute policies and procedures fairly and accurately.
Product: Mortgage

XXXX / XXXX /   2017. Wells Fargo Mortgage, one of  the largest corporations in the nation and yet they can not take a debit card for payments online, must have a bank account with routing number. Have called and spoke about my unbelief that they can not accept a debit card, and it was verified that they do not at this time.
Product: Debt collection

I received a call from Virtuoso Sourcing regarding a collection for XXXXXXXX XXXX XXXX from a debt in 2014. I researched XXXX XXXX XXXX and realized that they are a utility company in Florida. I have lived in Texas my entire life and have never owned property in Florida. I disputed the collection with XXXX but the XXXX website is n't functioning so that I ca n't submit a dispute with XXXX. The date of the bill was 2014 when I had another electricity provider.
Product: Credit card or prepaid card

Upgrade promotes this credit card which is actually a loan, not a credit card, that you take out with them and any future transactions on the product are called draws, including the original draw made on the issued card. They claim you will earn 1.5 % in XXXX with every monthly payment made to the account. I have attached screenshots from 2 well known financial websites promoting this program with the language used to describe the offer. Consumers are led to believe that any transaction or draw on the account is earning the 1.5 % with every monthly payment. I spoke with a customer service rep on XX/XX/2022 and she began using different terminology to defend why her company is not issuing the 1.5 %. They start using the terms transactions instead of draws to describe the use of this loan product and will claim that the initial draws that they offer you are not included in the cash back program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there is a collection that is still reporting on my credit when it should have been deleted. XXXX already deleted the collection account. Therefore it should be deleted also by XXXX and Equifax. This is really affecting my life negatively, due to COVID-19 I lost my apartment, and im unable to get a another one because of this collection account that is supposed to be deleted. I am begging you please to solve this situation. I am really struggling at this moment. I am a very responsible person, I have a 100 % payment history. This collection is literally ruining my life along with COVID-19.
Product: Vehicle loan or lease

Deceptive unfair trade practice used to take money from me and sell an old car.
Product: Credit reporting or other personal consumer reports

experian did not block information on my credit report as promised im a victim of id theft information they reporting saying it accurate and i try many time to fix it with the compaines XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX # XXXX these account are do from id theft i sent mant document and police report ftc report they refuse to hornor my report they violating my rights 15 usc 1681i 605 b Section 623 ( a ) ( 6 ) Section 606 they not giving me fair reproting also linking my information to other credit llc.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX ] XXXX number XXXX XX/XX/2024 [ Discover ] XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the Gramm-Leach-Bliley Act, specifically 15 USC 6802.

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared.

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802. 

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future. 

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Product: Credit card

I submitted disputes for 4 amounts including 2 for the amount of {$170.00} on XXXX XXXX and {$180.00} on XXXX XXXX. XXXX for items that the merchant cancelled on their end but mistakenly marked as picked up. The merchant acknowledged this and agreed to credit me back on XXXX XXXX. XXXX for XXXX and XXXX on XXXX XXXX, XXXX. I sent the emails from the merchant to their XXXX. I received no response back since then or update. They cancelled the disputes on their end over a month ago and resolved in the merchant 's favor despite having a citibank protection policy that was there since I signed on with them years ago. I did not authorize for the merchant to keep my money for merchandise I never received. I shudder to think what would happen if I had lost my card and it was freely spent at merchants. Citibank would surely not be on the side of their customer and would side with the other party. After being a long time customer of theirs I no longer feel safe having Citibank as one of my main credit cards. I just want these disputes resolved before making any further decisions of my Citibank account.
Product: Mortgage

I divorced my husband on XX/XX/XXXX, on the divorce decree he was supposed to redo the loan and put it on his name only ( see atach 1 ).

At a later time, we went back together, however, during this time he forced me to give him a quit claim ( see attach 2 ) He got the title but the loan remained on both of us name. Upon his death XX/XX/XXXX the mortgage company removed him from the debt and make me liable for the full amount, so I am not able to refinance or sale the property because I am not on title. 
Due to the hardship, on XX/XX/XXXX, I started a loan modification with XXXX XXXX XXXX and the outcome was denied on a letter dated XX/XX/XXXX ( see attach 3 ) they stated I did not qualify. On XX/XX/XXXX the loan was sold to Bayview ( see attach 4 ) and I requested another loan modification on XX/XX/XXXX. I submitted all the required documents, then I found out that they change my asst manager XXXX XXXX ( see attach 5 ) I started with another asset manager XXXX XXXX ( see attach 6 ) I submitted the papers once again, three appraisals were done during this time ( see attach 7,8,9 ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All the papers were complete by XX/XX/XXXX ( see attach 10 ) then I received another letter dated XX/XX/XXXX stating that it was incomplete ( see attach 11 ) Due to the fact that the property had equity, they determined not to approved the loan modification. ( It took about a year to get an answer ) At the present time I got a third asset manager, XXXX XXXX handling my case. 
On XXXX XXXX got a NOD. Two days ago I found a notice of trustee sale taped to my front door ( see attach 12 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to Equifax requesting an investigation of inaccuracies that appear on my report. On XX/XX/XXXX they sent me a reply stating that they verified the inaccurate accounts but when I disputed again, they sent a letter on XX/XX/XXXX stating that I do not have a credit file. They already have my credit file, so this is also  inaccurate ( see attached ). 

Additionally, I attach both my drivers license and social security card to every letter I send them - preventing/satisfying any need to verify me to search for a credit file they falsely say does not exist. 

Now that their 30 days from the date of my XX/XX/XXXX letter is almost up, they reply saying I have no credit file? They can not refuse to process my dispute with these tactics.

They need to process my dispute by XX/XX/XXXX and throw out their XX/XX/XXXX notice that I do not have a credit file as that is false. I have attached the credit file they sent for proof. If this is not resolved by XX/XX/XXXX they need to delete the negative items I have been disputing since this XX/XX/2020
Product: Debt collection

As per the FCRA " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed IQ Data International collection agency via certified mail twice asking for them to provide me with debt verification in the form of, a copy of the apartment application that was used to initiate an account with IQ Data International or original creditor the XXXX XXXX at XXXX. I was told by XXXX at IQ Data that, " they do not have the apartment application on file to send to me for verification. '' However, IQ Data International has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of the FCRA! IQ Data is claiming I owe them {$540.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! IQ Data refuses to send me the application which the FCRA says I am entitled to in order to validate the debt! IQ Data has also refused to show me proof they are licensed to collect in my state of FL and refused to provide me with their license numbers and Registered Agent or Agent of Service that I requested in writing from them. Please have IQ Data to follow the FCRA and send me all the information I requested as well as the application, lease, or signed contract, or else have this erroneous debt deleted from all my credit files!
Product: Checking or savings account

Between XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA, XXXX Phone : XXXX ... ..My account was deliberately overdrafted on numerous occasions by processing large payments first and charging overdraft fee on multiple small purchases.
Product: Credit reporting or other personal consumer reports

I have been disputing the following incorrect information on my credit report since XX/XX/XXXXXXXX  and yet theyre still refusing to delete them from my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX is still showing up on my XXXX credit report. 

These are very old accounts and should no longer be reflecting on my credit report and my credit reports with XXXX, Experiand, and XXXX are inconsistent. 

I believe this is discrimination against me because I am an XXXX XXXX XXXXXXXX  who is trying to achieve goals that are being hindered due to inconsistency in my credit reporting.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.
Product: Credit reporting or other personal consumer reports

Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give One Main Financial permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the One Main Financial Customer Relations Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXXXXXX XXXX and I also submitted another complaint ( after sending one via email and speaking to two representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , One Main Financial at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over 30 days ago, I submitted investigation requests to all three credit bureaus : XXXX, Experian, and XXXX XXXX. They should have responded with the result by now, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open mortgage with XXXX XXXXXXXX. I had some delinquencies in 2014 but have been current since that time. Both XXXX  and Equifax still show the lates even though by law those are required to fall off after 7 years. XXXX  has removed those lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Product: Money transfer, virtual currency, or money service

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

Public records information was never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Credit Bureau and Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted. You needs to provide me with copies Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 15 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You went past that 15 days. It is required by law to give me full disclosure of information and description on the procedure. I wasn't given any proof. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 for any purpose.