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

Im having a problem disputing a negative account with Experian I disputed this negative item a few months back and Experian said the account came back verified. But i discovered a new mistake on this account this account number is wrong. So when i try to dispute this account online it says to call there XXXX i tried to call this number and i keep getting the run around or be put on hold over an 1hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a request to XXXX and Experian asking how they did obtain my bankruptcy, and if they could delete it from my credit report. in return they stated it was verified by the United States bankruptcy XXXX. I wrote the United States bankruptcy XXXX and asked how they report? I received a letter from the United States bankruptcy stating that they do not report any information to the credit bureaus.
Product: Credit card

I have a credit card with US Bank for 10 years. In approximately, XX/XX/XXXX I noticed I wasn't able to use my card. When I called the bank, they told me that I had opened a checking account with them and transferred all the money from my credit card to the account in the amount of approximately {$14000.00} ( based on what they are reporting on my credit report ). They did not provide a lot of detail. They never really specified the total amount of the transfer. They said they would investigate and sent me a new card. They opened a claim, claim number XXXX. 

Side note : When I called to activate my new card, XXXX XXXX, at the bank stated several charges were made in another state, or out of my area. I asked for a statement at this time. It was never sent. I called and inquired for statements several times. They never sent anything, but another card. 

In XX/XX/XXXX, I received a letter stating that my claim for identity theft was approved and that they would remove all reporting agencies. However, instead of clearing my debt, I started receiving harassing calls to pay XXXX. I have several bills from Card Member Services or payment services attempting to collect the debt. When I called US Bank they told me the last time I called and said they didn't know why I was calling. They said the debt was resolved but as of this month ( XX/XX/XXXX ) they sent me paperwork to open a dispute. I sent it back in. As of today, I am still getting a bill for XXXX. I called the fraud department recently to find out the status of my claim about 3 weeks ago and when they heard my name they hung up on me.
Product: Checking or savings account

I have in my possession a Deposit Certificate with an automatic renewal provision for {$10000.00} not including interest from Wells Fargo Bank ( WFB ) and they refuse to accept it. At first they said it was escheated to the State of California. I have since proved they did not. Now they say they have no records of the investment because the account was closed due to inactivity/dormancy. The document does NOT have a statement that it becomes invalid after a period of time but does have an Automatic Renewal Provision. Since the document has an item number that is 13 digits long and WFB is computerized, I find it a very weak argument that they can not find it. 
WFB took {$10000.00} and promised to give it back with interest upon demand. They are now saying they are going to keep it. This is wrong. 
There is a case number assigned and a reference number assigned. We have exchanged several e-mails but their stance appears to be that they do not keep old records so they refuse to honor the Deposit Certificate. 
Deposit Certificate Number : XXXX XXXX Number : XXXX Case ID : XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States .if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge further. I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.
Product: Payday loan, title loan, personal loan, or advance loan

I only owe XXXX but they sent me a collection of XXXX XXXX  that I owe but I never even got a XXXX XXXX  from them
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX responded to my CFPB complaint stating everything was reporting accurately on my credit report, that was incorrect then, and it still remains to be incorrect now. Since that date, the account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. 

XXXX XXXX XXXX failure to accurately report this account has not only damaged my credit score but has also violated my rights as a consumer. Despite my repeated efforts to resolve this matter directly with XXXX XXXX XXXX, they have chosen to neglect their responsibility to investigate and correct this error.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Product: Checking or savings account

Approximately 4 to 5 years ago my wife and I set up a banking account with US Bank located in XXXX Colorado. We initially deposited nearly {$5000.00} ( XXXX XXXX dollars ) and were issued a pre-paid Visa card for the amount - mentioned. I had also arranged for my direct deposit through Social Security Administration to be deposited to this account. The bank cards we received ate US Bank Conveinent Cash. After a few years my wife and I divorced. She said she would take care of this particular bank account but apparently she failed to do so. I am inquiring about this account because according to what my ex-wife said that there was still a balance in the account of approximately {$3000.00} dollars- which is still unclaimed - though it was my direct deposits from Social Security Administration which accumulated during a lengthy hospitalization of mine. My ex-wife along with myself visited one of the branch locations of US Bank in downtown XXXX but they were extremely incooperative in ovtaing the information if we still had an unclaimed balance. We both called numerous US Bank locations and were given a runaround by US Bank employees. I still have my US Bank card since our divorce a couple years ago. I am requesting assistance from Help With My Bank.Giov to determine if I still have an unclaimed balance in this account since US Bank has been extremely uncooperative in this matter. Also, the location of the bank where we first opened the account was located at the corner of XXXX XXXX and XXXX XXXX. This US Bank location has long since closed and the building was demolished. However, I am still entitled to claim any monies still with US Bank. 

*** Images of US Bank Card -Attached The account information from the bank card received upon opening of this account is as follows ; US BANK Conveinent Cash Card XXXX Valid Thru XX/XX/19 XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One deceived existing customers about the interest rate they were actually paying on savings accounts. They advertised high interest rates for new customers, leading existing customers to believe they would benefit from the same rates, but they left existing customers at a low rate. My account should have been automatically eligible for the higher market interest rate. 

I originally opened a savings account with Capital One in XXXX after transferring money from XXXX. After hearing from my financial advisor, who had researched the discrepancy in the rates, he advised me to close the low rate account and open an account with the higher interest rate. The low rate account was opened in XXXX and was closed in XX/XX/XXXX with funds transferred to the higher rate account.
Product: Credit card

I disputed a charge on my Citibank Visa for an service which was not delivered ( the business closed and the owner left town ). Citi applied a temporary credit and requested my affidavit and additional information. I sent the additional information to Citi via USPS within 24 hours of the request. The information included both a hard copy of and URL to a news article published that day about the business 's closing. 

Since the request, I received no fewer than XXXX notices asking for the information I had already sent. Each and every time, I called Citi immediately ( within 12 hours of receiving the communication ). Each time, the Citi representative looked at my dispute, saw the evidence which I had already sent, and said I should do nothing else. 

Eventually, I got a notice that the dispute was about to be closed because I had n't sent in supporting documentation. I escalated to a claims specialist, XXXX, and she, too, assured me that they had everything they needed and that I should do nothing. 

Then the chargeback was reversed and I received a final disposition letter, indicating that I had n't sent the requested information. I finally spoke to XXXX in the Citicard " Office of the President '' who indicated that she would fix the problem and call me back by today, XXXX XXXX. XXXX has not returned the call as promised, and the chargeback is still reversed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights significant shortcomings within the platform. Despite frequent use of Zelle and reporting discrepancies, my claims were not properly investigated by either myXX/XX/XXXXor Zelle. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to fraud. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Credit card

Ordered online Furniture from XXXX XXXX XXXX and used XXXX credit for item on XXXX/XXXX/15. Account charged XXXX. Merchandise never delivered was told delivery company received it damaged. Have made over XXXX phone calls to XXXX since XXXX/XXXX/15 regarding where the order is. A second set was ordered on XXXX/XXXX/15, Arrived at delivery address on XXXX/XXXX/15 -- this set is damaged and in very poor quality condition. Cost with ship ing of this item exceeds {$1000.00} and now there are XXXX items on my charge XXXX credit, Synchrony Bank is delaying the process to remove the charges for these items, I still have damaged furniture which I in good faith have tried to remedy, this Company and Bank are not making me whole for the goods purchased and essentialy I was charged 2 months of interest for an item I did not receive at a 23 % finance charge, when I called to complain the XXXX time I was told I would need to produce proof that I paid interest on this item to have the full refund to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off some negative things that was on my credit, because I'm trying to build and established credit. Once I did that I started getting a lot of emails saying I'm pre-approved for credit cards. Once I started the process I was getting turned down left and right, I couldn't even get a secured card. Now all these hard inquiries have dropped XXXX  score XXXX points. I was in a car accident and was in need of a car I went to XXXX XXXX XXXX to purchase a car, once they came back with an offer I refused and left. I went to a XXXX XXXX and was able to get the car I wanted with a low interest rate, but XXXX XXXX XXXX keep running my credit after I told them I didn't want to work with them anymore. I think that it is unfair that all these hard inquiries will be on my credit report for 2 years when I am trying to build and do the right thing. Credit card companies can lure you in to apply for there card with pre-approval emails know darn well they are not going to extend credit to you and be able to have a hard inquiry on your report for years. I also feel that once you leave a dealership they should stop try to run your credit to try and make a sale knowing that all those rejection will hurt your credit score even more.
Product: Debt collection

Getting calls from a finance company for some kind of debt. It is a pre recorded message from someone called General Revenue Corporation with a reference # XXXX, I do n't owe anyone I pay my bills when they arrive. This has got to stop. Somehow they also have my cell number and I do n't give that number out
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX  XXXX - XXXX- Please verify the manner in which you are reporting this account. I have contacted the Attorney General 's office, XXXX, XXXX XXXX, and XXXX, and they have stated that they did NOT report to any credit agencies. - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

XXXX XXXX XXXX  - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX  12A - Insurance Fraud Investigation Unit and Crime Prevention Act.

Article 1 - Definitions and Crime of Insurance Fraud.

Section 27-12A-5 - Transacting Insurance Without a License. 

When ask if the entity known as Credit Acceptance is license to sell insurance?

Credit Acceptance : NO. GAP insurance is not insurance. 

Credit Acceptance : We go through a third party Vendor XXXX XXXX : " I have never seen or talked to this third party vendor that allegedly sold me GAP insurance. 

Is GAP insurance a form of insurance? 

Yes, gap insurance is a type of auto insurance. It's an optional coverage that can be added to your collision or comprehensive insurance policy. Gap insurance, also known as Guaranteed Asset Protection ( GAP ) or loan/lease gap coverage, pays the difference between the amount you owe on your car loan and the amount your insurance company pays if your car is totaled or stolen. This is because standard auto insurance only pays up to the value of your vehicle, which could be less than what you owe on your loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this negative account. 

XXXX XXXX XXXX XXXX XX/XX/2015 I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of this account. I don't know who could have done this. This is identity theft and a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evening, I'm writing because Experian has not updated my credit score since XX/XX/2020. I've contacted all my credit card companies and they informed me that they have been accurately reporting every 30 days and that I need to reach out to Experian as to why they are not updating my credit score. On XX/XX/2020, my Experian score went up by 90 points ( picture attached ). On XX/XX/2020, Experian dropped my credit score by 82 points ( picture attached ) with no explanation. I have an online Experian account and usually when your score drop they give you some type of explanation, but this time they didn't. On their OWN website ( picture attached ) they say an average of 5-10 points will drop from a lender of an hard inquiry which I had none at the time of this drastic credit drop so what could have been the reason for such a huge drop? I applied for a credit card but that inquiry wasn't until on or around XX/XX/2020 which was way after my score dropped 90 points. Experian not reporting my score accurately has negatively impacted my life with regards to car loans/house loans as Experian is the go to credit agency. I've written a complaint previously with no results as CFPB just keeps marking my complaint as the same issues as earlier when that's not that case and they are not properly investigating as to what's going on with Experian not reporting my score for 4 months. I am asking CFPB to please contact Experian as trying to contact Experian is a job alone ( I can not find a working number for Experian for 6 months now ) and try to determine what is the problem as I feel Experian is pushing their Experian Boost ( add your cell phone or electric account and watch your score go up ) and if you are not interested in Experian Boost, then your score will remain the same. This had been ongoing for too long without any options for me to explore for a positive outcome. Thank you for any assistance CFPB can provide.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the consumer financial protection act specifically cash at failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected for the more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation in these actions have caused significant inconvenience and financial loss and I seek a appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights XXXX 

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

XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion XXXX XXXX credit report on XX/XX/XXXX, 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 generallf, 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: Money transfer, virtual currency, or money service

I am 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 consumers safety.
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I requested for them to do an investigation to fix my credit report on numerous times XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. Experian has repeatedly number of times failed to comply with legal obligatioons uner the Fair Credit Act specifically they have violated 15USC 1681EB failure to maintain the accuracy of my credit report and 15USC 1681 S-2 negleaction and ensuring that the furniture of information comply with their obligation 15USC 1681 I5 ti properly re investigate disputes and remove inaccurate information.