23daVinci/CFPB_Complaints huggingface dataset:
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 Section 15 USC 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 Credit Report on XX/XX/year>24 and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a 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 ). Also 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 has been modified or deleted from the file of the consumer. Also 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continuing to report missed payments on a charged off account on a car I surrendered due to severe illness back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXXXXXX hard inquiry on my credit report without my knowledge remove immediately. 


XX/XX/year> XXXX XXXX open credit card with hard inquiry from the credit card, on my credit report without my knowledge I would like to get the account removed off my credit report and the hard inquiry removed immediately. 

UNDER 15 USC 1681
Product: Debt collection

Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.
Product: Checking or savings account

I have been out of the country for personal reasons for a few months and I wasn't able to manage my banking account. I didn't realize that a claim I filed was refused due to the rep at the bank filing the claim wrong. So the credit from the bank was taken away sending my account into a negative balance. When I returned home to XXXX  last week I got an insurance check for my phone being stolen and I deposited it into my savings account. I have my overdraft protection turned off. So when I went to withdraw funds money was missing. The check was for {$1000.00} and there was only {$490.00} in my account. I called and I was told that due to my account being a few days from charge off, it was an automated system that transfered the funds to protected the banks interest. I've worked for a bank before and I completely understand what happen. I did let them know I had funds set to hit the account the day before closing and due to the nature of my emergency I was due back out of the country in less then XXXX hours and needed the funds. I asked for the funds to be returned and for them to allow the pending deposit to fix the error and they completely refused.
Product: Credit card or prepaid card

Few days ago, I pull my online best buy credit card statement to come up with game plan to pay it off, I found that there is a small charge labeled as Enhanced Debt Protection, I reviewed previous statements, that charge was there. Best Buy Credit Services has been charging me a monthly fee for the above service. I have never intended to sign up for Enhanced Debt Protection. I reached out to them and they refused to refund previous months. They slipped this service when I signed up for the card. I did not know that I was signing up package bundles. BestBuy Credit Services needs to straight forward on the way they sell this service. They weren't with me. I would like to full refund for this service. Thank you
Product: Credit card or prepaid card

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX XXXXXXXX XXXX  XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Credit card

We DID NOT purchase ant vouchers or gift cards! The merchant has blatantly lied and copied & pasted fictitious receipts. 

A simple XXXX  day XXXX person mini vacay turned into a nightmare. I feel if the credit card company followed thru with investigating the matter, its evident. I would have NO REASON to purchase items the merchant has provided as their evidence. 

This merchant hacked several of our credit cards. We were at a casino trying to get a cash advance and upon arriving in the USA, a bunch of charges started hitting. We notified all credit companies immediately. 
XXXX XXXX, found fraud immediately along with my wifes personal bank card. 
This merchant is claiming they are but affiliated with any casino and thats absolutely a lie. We were only at the casino a short walking distance from our room. 
The receipts the credit company is allowing hasnt any address or phone number. Items listed are ketchup, kids diapers, surgical supplies, a stove, faucetthe list goes on. 
I provided a timeline of our entire trip. 
I believe so many employees work from home and are NOT investigating this matter to the fullest. 

XXXX XXXX, wife XXXX & do not nor would not need nor have any means of getting TENS OF $ XXXX of this stuff on a plane home. Its not rocket scientist material. 

Definitely need help with this fraudulent activity as the merchant has to be trying to launder money. The XXXX XXXX is known for these scams. Unfortunately, we didnt know this until it happened to this on our cards/account. 
They even did this to my step sons credit card. 
All amounts are close to $ XXXX {$5000.00} repetitively. 
Credit Card Companies involved : Wells Fargo, XXXXXXXX XXXX XXXXXXXX XXXX ( which found all charges fraudulent ) & XXXX ( my step sons card ). 
My credit card history speaks volumes of how I charge and pay monthly. 
The scam the XXXX  are doing to tourists must stop.
Product: Credit card or prepaid card

I AM WRITING THIS TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST YOU REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my personal credit report, I see inaccurate information of accounts that were previously erased and than put back on my reports wrongfully and without my written consent.These issues are in violation to The Fair Credit Reporting Act, 15 USC Sec 1681 ( I ) ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ; and 15 usc 1681 section 602 A
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Mortgage

My concern is with XXXX XXXX. I recasted my loan. I made the payment of XXXX $ on XX/XX/XXXX. They send me the recasting agreement ( XXXX XXXX ) after that which I signed and send them back on XX/XX/XXXX. As per the agreement, they lowered my interest rate in XXXX. They sat on my payment for nearly 50 days before I could get any benefit out of it. 

As per them it is their process. 

I want to complain about their internal process. I think they are robbing hard working Americans in a very systemic manner. 

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

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 40 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

XXXX XXXX is the company name. Ability recovery services is the collections agency. I have recieved repeated harrassing phone calls from which i have no knowledge of such account in which both refuse to furnish proof that it was my doing. They have said it is an online school that was done online. Therefore they can not furnish proof. I have placed disputes with The credit agency 's XXXX, XXXX and XXXX.
Product: Debt or credit management

I was suffering from a XXXX XXXX that happened at XXXX XXXX XXXX at XXXX my brother and I opened a business together in a XX/XX/60 partnership. He lied to me had me take out a credit card to pay for the businesses sign and security as well as product. He promised to pay it off using the businesses profits : In the end he stole XXXX all the profits and never allowed me to be payed for XXXX  years of work. He never repaid the debt I occurred. So I turned to my guardian my mom she said she would pay the debt off for him. Then American Express allowed her to cancel paying my debts and that resulted in them closing my accounts and cause my credit to be destroyed. I never gave he access to take that kind of acting. American Express never asked or got my consent for her to do that. Now my credit is beyond repair. And my mom wont help now. I since recovered from the XXXX XXXX  and I have asked her to correct this error for 5 years now she refuses to help and or take responsibility for destroying my credit score being My guardian because I was XXXX XXXX  I really needed her help and she betrayed me. American Expresss is legally responsible for this terrible situation and needs to to responsibility for allowing illegal access to my account.
Product: Credit card or prepaid card

We arrived at XXXX XXXX airport at XXXXXXXX XXXX on XXXX XXXX. As I was looking up an XXXX driver, my husband went outside and came in and said there was an XXXX driver outside. I said it says {$28.00} on the app and he said ok. We didnt check his ID ( I guess because he was at the airport ). He took us to apt- about 15 min drive. I gave credit card and a {$10.00} cash tip. 
When we received our credit card bill, it said {$450.00} for 15 min drive. ( when we returned from apt to airport, our fee was {$20.00} with a legitimate XXXX. 
The credit card company CITI sided with the XXXX. XXXX XXXX Because they sent a fake receipt with false signature. 
It is obviously fraud because we can prove when we arrived at airport and when we arrived at apt . Only a short drive- could not be {$450.00}. 
I thought that credit card companies were supposed to assist customers when there is fraud involved in a transaction When I checked on filing a police report, the police officer couldnt believe that the credit card company would not help.
Product: Mortgage

BSI financial let our flood policy lapse. 

They could not get proof of insurance from our insurance agent ( XXXX XXXX ) and sent me a letter saying they were going to have to buy us expensive insurance and that there would be a lapse in coverage. 


We had maintained all mortgage/escrow accounts to date, no late or missed payments. 

Said they had reached out multiple times to the agents office. 


I called the agent and they said had never heard from BSI about any needed documentation. 


A month went by. 

I followed up weekly, was getting very concerned because flood policy was in grace period technically already lapsed. 


I had already contacted flood insurance company and confirmed we had a policy paid in full. But BSI couldnt disperse escrow payment for upcoming year because we dont even know who your XXXX  insurance company is XXXX?! 

I finally got my XXXX insurance company to send a letter telling them who XXXX are so could at least have a payor on file. 

XXXX. 


Then got a hold of insurance agent to say why havent yall replied to BSI fax/letter inquiries to address the issue XXXX hrs later ( but after a literal month of painful phone calls, emails, and legwork I got the two parties to talk to each other ). 


When all was said and done, asked all involved if this was typical for the mortgage/ homeowner industry. 

They all said no categorically. 


BSI is the worst company, hands down. 


Their ineffectual business dealing left us uninsured for floods during peak hurricane season in a coastal town in SC. 

Could have been catastrophic. 


They still wont return emails or acknowledge sent documentation regarding escrow/taxes/etc. 

They are impossible to work with. Always ask me to send emails to a wastebasket e-mail handle : XXXX No accountability. 


Unprofessional. 




Low internet ratings. 




These people are the worst. I wish we could change services tomorrow. Even considered refinancing to pay higher interest rate/ closing fees just to not have to ever depend on these clowns again. 


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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XX/XX/XXXX # XXXX
Product: Checking or savings account

CitiBank closed my account because a check bounced in XXXX, XXXX. There were additional available funds ( just over $ XXXX ) which I have asked when I will receive. I was shut out of online access. My last statement, which was provided to me after many phone calls, indicates that the remaining balance was withdrawn. I did not withdraw it. The bank did. I have called so many times, first from the customer service department to the fraud department because of the bounced check. I have been told by the fraud department to contact the customer service department. They in turn send me back to the fraud department. I am in vicious circle between the two and no one will provide me any answers.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct 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 XXXX, 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 XXXX has neither corrected or removed disputed items ( to include unknown addresses disputed by phone ) 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 XXXX inaction violates federal law and my rights as a consumer. 
As outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if the information can not be verified or if the creditor fails to respond within the required time frame, the disputed information must be removed or corrected. The incomplete investigation into my dispute has resulted in inaccurate information remaining on my credit report, which is adversely affecting my credit score and financial standing. 
XXXX-Acct # XXXX XXXX XXXX - Acct # XXXX
Product: Debt collection

I received this letter on XX/XX/2019, I never went to XXXX Hosp XXXX XXXX, I always have XXXX, I have Medical with XXXX so I don't pay anything for medical or hospitals. I explain to the collector, this is the first time I received any communication from this agency, never received any communication with XXXX  Hosp XXXX XXXX, I have all my insurance and medical that I could provide, But I never gone to this hopital. My contact number is XXXX.
Product: Credit reporting or other personal consumer reports

All Accounts, address and inquiry needs to be removed. Be sure to evualate the report and to delete the fradulent account that is on there along with the other accounts. - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items ( two accounts ) remain in my credit report in violation of federal law.you ( Experian ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Experian does not provide me a copy of any original documentation require under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) A CONSUMER CONTRACT WITH MY SIGNATURE ON IT
Product: Money transfer, virtual currency, or money service

I 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.