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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I disputed a charge last XXXX because the Merchant that my company hired & failed to provide the services promised in the contract. The Chase dispute department asked me for proof that the Merchant did not deliver what was in the contract. I provided the proof including the Merchant 's email confirming a promised refund check because they admitted they failed ( which we never received ). Chase said they reviewed the contract and decided that credit was not to be given because I signed the contract and based on software login the Merchant provided. I explained that of course I signed the contract and paid the payment of {$1800.00} however the Merchant failed to deliver the services and the Software login was never part of the transaction in dispute. In XXXX I was told to reopen and was asked to send them a letter stating the fact which I did. They still rejected it. I called them in again and they mentioned that screenshots were not properly cropped and I should resend them. The screenshots were properly cropped but I submitted them again. The next time I was told that the screenshots showing the Merchants valid work email was invalid and that I should get a letterhead from the Merchant. The next time I called, the emails were okay but because the department mistakenly put it in a category that it wasn't supposed to be in, Chase would try to solve it within itself ( without involving the Merchant ). Accordingly I was told to fill out a form and send it to them which I did ( pls see attached/provided ). Finally on XX/XX/XXXX, I was told the time has elapsed and no credit will be given and that my case was closed. Chase didn't review evidence provided properly, never questioned the Merchant to provide that services were provided or why they include a transaction that was not part of our contract, Chase mistakenly put my case in the wrong category and blamed me for the elapsed time that it caused. They even admitted ( on XX/XX/24 ) over the phone that the employee who put my case in the wrong category was fired. I am asking Chase to be held accountable for its employees failures
Product: Credit reporting or other personal consumer reports

Once again experian closed complaints today without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

I recently disputed two different charge-off accounts that is listed inaccurately on my Transunion report XXXX Both accounts was claimed to have been verified as accurate. But these accounts still are being reported on my consumer file with numerous inaccuracies. One of the accounts name is XXXX with an account number attached to it as XXXX  XXXX. The last payment made on this account supposely was reported on XX/XX/XXXX but in fact if you look at the payment history on that same date. It shows the account was XXXX XXXX late. This information is listed incorrectly and must be deleted. Then there is another charge-off account listed on my credit file by the name of XXXX XXXX  with an account number attached to it as XXXX XXXXXXXX. This account is reporting inaccurately because the date the account was closed shows XX/XX/XXXX but if you look at the payment history being reported. It shows that the account was paid on time and still open. So how can Transunion have done a proper investigation if these accounts arestill being reported with inaccuracies? This company Transunion is being non-compliant and neglecting their duties under the FCRA and must be held accountable for their actions.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized, I was charged fees due to legged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe this practice are unfair and request an investigations into my account transaction.
Product: Debt collection

I have contacted this company to validate this account. I want this removed from my XXXX  credit report immediately as I have never done business with XXXX XXXX XXXX. I do n't owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, respectfully receive my greetings, it is to inform and notify that I have been appealing various things from my credit report for some time that is damaging my reputation. I definitely want them to eliminate all credit searches that I did not authorize. 
On one occasion I went to help a cousin buy a vehicle and I would be the co-signer and I made my suggestion that they not inquire about my credit because car dealers are used to making multiple inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear EQUIFAX, I am writing to formally dispute inaccurate information that appears on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that failed to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported : XXXX.
Product: Debt collection

My balance with capital one was XXXX dollars in delinquent fees. I paid off the balance and it was updated to XXXX dollars. I am up this morning and my balance is now back to XXXX dollars. They are not paying attention in regards to their credit reporting and I demand it be taken off now. I have bank receipts and email receipts from capital one for XX/XX/2021.
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 ( CFPB ) 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 ror amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX )
Product: Debt collection

I received an Alert on my Credit Monitoring Service on XX/XX/XXXX that my account was sent to collection for XXXX dollars from a XXXX XXXX and Credit Systems International Incorporation . In Texas Where I have never had a Residence. I contacted them as soon as the alert came through and spoke with a lady there who said if i believe this is fraudulent to file a dispute with my credit score provider otherwise there was nothing she could do. After Filing with XXXX  they said the lender confirmed it was my account, Which as I've stated I've lived and have only lived as an adult in Arizona.Then XXXX  said i could file a dispute with the FTC. So Here I am. I also have never received any Mail from this " collection agency or Energy company ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.
Product: Mortgage

My mortgage was with XXXX and that alone should say it all but I 'll continue ... 
We took a XXXX out and decided to add a master bedroom and bathroom to our XXXX bedroom XXXX bathroom home increasing the property value ( or so we thought ). XXXX was assumed by XXXX XXXX XXXX which is where everything went downhill ... XXXX would not honor the appraisal and said we had to re-appraise using THEIR appraisers who essentially came in and LOW BALLED the value at less then half of what the original appraisal was. With XXXX loan payments and now heavily upside down in debt we could no longer afford much thus adding strain on our marriage we filed for bankruptcy and shortly thereafter divorce ...
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA is not reporting an account I have with them to all 3 credit bureaus.
Product: Money transfer, virtual currency, or money service

I enter in the following webpage : XXXX XXXX XXXX And join to telegram group. 
I bought XXXX XXXX XXXX for unit ( 1280 dollars c/u ) in total 6,400 dollars. I used my shib coins through Crypto.com. After they received 3 transactions closed the conversation. This is fraud. I contact Crypto.com for notify the fraud, but not help me.
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. Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX XXXX  Acount name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name 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 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 i have filed police report as well
Product: Debt collection

XXXX XXXX USCB XXXX calls frequently. 
To the point I feel harassed.

I have no outstanding payments due for anything- so I can not give you any such information. 
Upon researching them I have found numerous complaints about them. 
Many very similar to my experience. 
I would like the calls to stop and for them to cease and desist.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a house and according to 15 USC 1681 there should be no damaging or incorrect data on my credit report. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX employer ThermoFisher. All three credit agency has inaccurate data.
Product: Credit card or prepaid card

I had a simple thing happen to me - I lost a credit card. The last time that this happened, Discover messed up my replacement card too. Previous to this, I had to make a CFPB complaint regarding Discover 's  incompetent staff that cancelled airline tickets by mistake a few years ago, putting a planned trip in jeopardy due to the circumstance of the voucher I used for a portion of the trip and their unapproved cancellation of my ticket purchase. Yet again, I am faced with incompetent customer service. I spent an entire weekend and several week days trying to get a simple replacement card. Many mistakes, hang ups, no call backs, misspelled email addresses, incorrect information, ridiculous security measures, rude people ... ..occurred just as a result of this 20-some year Discover card customer with a nearly XXXX credit score ... just trying to replace a card. Discover has a REAL problem with customer service. XXXX and XXXX, Ohio supervisors were wonderful. Note to Discover : model your customer " service '' agents after these two women. You are going to continue to lose business with this ongoing rotten customer service. The last time you even compensated me for your mistake. What will you do this time after the hours I spent in frustration trying to simply replace a credit card?
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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: Debt collection

This fraudulent company CREDENCE RESOURCE MANA has flagged my account as Collections on XX/XX/2023. 

Source : XXXX, XXXX and XXXX XXXX : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$170.00} I have never done business with this company before nor do I owe this company any money. Any debt that I would have incurred over 10 years and have way passed the status of limitation. I have not gone out and done business with any new company for 10 years so I know I do not owe any debt. 
I have never gotten a letter from this company or a phone call. But this company received my information through fraudulent means and has sent information to all three credit bureaus stating that I owe them money. 
This company is violating my rights and putting out information to the public that is inaccurate and misleading. This is definitely a scam, a fraud, and a way to get me to pay them money for something that I do not owe. 
My credit report and score have been greatly impacted by this erroneous information and has made me lose opportunities because of this fraudulent information.
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 XXXX XXXX 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. 

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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Product: Money transfer, virtual currency, or money service

I the month of XXXX, I purchased an it through Papal. I did not get the item as promised. I filed a complaint with PayPal after contacting the business. They provided a tracking but when I finally received an item with the tracking label, the item was significantly different. 

I had ordered a mini car refrigerator but received a fake watch. By this time, PayPal had closed my case since the seller provided them with a shipment tracking. 

I requested the case to be reopened, sending PayPal evidence of the shipment label as well as the item. PayPal and the seller are forcing me to pay for the returning cost of the item they send me which is not what I purchased. 

I believe that I should not be made liable for the returning cost since i am not returning an item which I purchased. I have told both PayPal and the seller that i am not interested in the fake watch as i have no use for it. I want my full refund since it is obvious that never had the item which they advertised nor intended to ever ship what I actually purchased.

I am ready to return the wrong item shipped to me upon the seller providing me with a paid return postage. They would not refund me. Both PayPal and the seller keeps running me in circles. 

I kingly look forward to your assistance. Thank you. 

Paypal case : XXXX Transaction ID : XXXX Date : XX/XX/2020 Actual item purchased : Electric Armrest Box with AC Refrigerator & Wireless Charging for All Automobile Item received : Fake watch XXXX  XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against I.C. System, Inc.

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against I.C. System, Inc. for multiple violations of consumer protection laws. The company has failed to comply with the following regulations : 1. I.C. System, Inc. has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) but has placed a collection on my consumer report.

2. I have not been allowed to dispute the account per 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. The collection agency has engaged in misleading, false representation, and deceptive practices, violating my consumer rights.

4. They lack the authority to furnish any account to a consumer reporting agency without fulfilling all necessary disclosures as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. I dispute owing all debts and hereby revoke any authorization for communication via email, text, or calls. I request debt validation.

6. Additionally, I request the purchase agreement between the debt collector and the original creditor.

7. Furthermore, I demand proof of licensing and bonding from I.C. System, Inc.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against I.C. System, Inc. for their unlawful practices. I am seeking resolution, validation of debt, and protection of my consumer rights in this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have called to opt out of overdraft service, so that all transactions that would overdraw the account should just be declined. The bank falsely told me that that is not possible. I later learned that there is a law that requires them to allow me to opt out. When I saw such transactions pending on my account on XX/XX/XXXX, I called in to request complimentary stop payments, but the bank refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on a debt and have an excellent payment profile. Transunion lowered my credit score -XXXX points  reflecting my credit character as poor causing other creditors to react adversely. There were no missed payments, no over the limits, no collections or bankruptcy. There was no change or apparent adverse info that would cause such a negative change. This has caused me to lose income due to employers ' requirement of maintaining good credit profile. Transunion refuses to correct and address the problem. I know of consumers that have judgements and bankruptcy that have higher scores?
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these alleged debts are reported as a chargeoff collectionon my TransUnion, XXXX and XXXX consumer reports which is negatively affecting my ability to obtain credit.