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

XXXX has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable 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 nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter with return signature required to LexisNexis on XX/XX/2020 asking them for the method of Verification concerning the bankruptcy they listed on my file. I did not receive an answer and called them 15 days later and was told they were re investigating the public record. I told them I wanted their method of verification since they had been reporting this on my credit report on different agencies. I finally got their reply today XXXX XX/XX/2020 ) which does not state their method of verification nor any details on their investigation. They are not providing the basic information I have asked for not once but 3 times ( that is why I sent the certified letter ). I am tired of getting the run around.The FCRA states I have the right to the method of verification and yet they continue to deny that to me. I am enclosing all of the documents as proof of my statement.
Product: Debt collection

Radius Global Solutions contacted me regarding debt collection and on XXXX XXXX, their written communication was responded to Im writing in which it was made clear that I am a victim of identity theft and needed further information from them but they were also informed to cease and desist. Following my complaint, I have recorded continuous contact being made by this company despite my request. On XXXX XXXX I mailed the company another letter informing them of my rights as a consumer and requesting that the stop contacting me everyday except to provide my requested documents by mail. Today at XXXX the company contacted me by phone again violating my rights as a consumer. The calls are a complete disregard for the rights allotted to me as a consumer and are harassing.
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  Account Number:XXXX** Account Name : XXXX XXXX Account Number:XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX** has violated my rights. Or list of inquiries 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

On XX/XX/XXXX I was added as an authorized user on a XXXX Credit card account. The bank informed me that report authorized users to all three major credit bureaus, but on my credit reports it is only being reflected by XXXX as of XX/XX/XXXX. So I am contacting you to please send letters to transunion and experian informing them that they are misrepresenting by excluding the XXXX account on there reports and subsequently hurting my overall credit score. I need them to accurately report my scores so that I can secure a line of credit for my business. Thank you in advance for your time, I greatly appreciate it. ( I also wanted to mention that I have proof of all three bureaus in the form of credit reports from annualcreditreport.com but it will only let me upload the one one this website. Please reach out if you would like the others. )
Product: Checking or savings account

I hereby would like to state the following facts related to the fraudulent withdrawal of the sum of {$4500.00} XXXX XXXX XXXX XXXX XXXX, from the account XXXX of my property, and held solely under my name, held at Chase Bank located at XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. 

XXXX XX/XX/2022 at XXXX XXXX  a withdrawal for the amount of {$4500.00} was made at the abovementioned branch of Chase, supposedly as the Chase bank claims using my debit card and my pin number to make said withdrawal. 
The transaction was executed by the teller number XXXX as designated that day by the Chase bank. 

XX/XX/2022 at XXXX ; XXXX XXXX  I myself XXXX was working at my XXXX  at XXXX XXXX XXXX XXXX Texas XXXX with my Chase debit card in my wallet, and I have video footage with the time mark to prove this. 

On XX/XX/XXXX sunday while checking my bank account transaction for the week, I realized that the sum of {$4500.00} had been taken from my account on XX/XX/2022, immediately i called customer service and was informed that i had to go to the branch the next day monday XXXX XXXX. 

On XX/XX/XXXX I went to chase bank to make my weekly deposits and also to inquire about this withdrawal of {$4500.00} and was informed by the branch manager XXXX XXXX XXXX that such withdrawal was made at the branch, with my debit card and pin number, and i explained to her and a teller, i believe the name is XXXX, that i had not withdrawn that amount and i rerquested respectfully that a fraud investigation be opened and my debit card would be suspended due to the fraudulent transaction. Therefore I was assured that the bank would open a claim and cancel my card. none of this last actions took place, On XX/XX/2022 I returned to the bank to ask about the status of my claim, and was made aware by bank manager that the claim was not made and the card was not suspended. Therefore XXXX bank manager proceeded to file the fraud claim in my presence. 

On XX/XX/2022 I was informed by the bank fraud department that the claim was deemed as not valid because my debit card was used to withdraw the money and also the amount was consistent with my spending patterns. 

Conclusion chase bank dismissed the fraud claim, saying that my debit card and pin were used at the branch but refused to review the video footage. At the exact time of the withdrawal I was at my XXXX  with my debit card in my pocket, and I have video footage to prove it. 

Thank you very much for your help on this matter XXXX
Product: Mortgage

CitiMortgage gave me a modification, then almost simultaneously transferred my mortgage to XXXX for processing - but for the wrong amount - $ XXXX higher than the modification. No one would correct the issue even though they could see the modification. XXXX finally sold back my mortgage to Citi, again for the wrong amount they received it from Citi. But now Citi looked at it as a NEW deal from XXXX - and has been impossible to get matter corrected. I hired an attorney and began paying based on the modified amount. Eventually, Citi said I had a deficiency and was in default. Only after they initiated litigation was I able to clear up the matter with attorneys ( theirs and mine ). Final outcome - Citi settled out of court $ XXXX in my favor. BUT KEPT THE INFO AT THE CREDIT BUREAUS TO SHOW AS IF THERE WAS A FORECLOSURE.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX Sigue send me refund money for {$1100.00}, but the check had been returned as unpaid. account no XXXX XXXX XXXX, please help me out.
Product: Money transfer, virtual currency, or money service

Hello, I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these funds were unfeasible and recovering the lost funds was not possible. The CFPBs finding indicate that Zelle has not only neglected and failed to protect consumers, but also Zelle has allowed offenders to exploit the system which leaves users vulnerable to scams. This lack of accountability and transparency is completely unacceptable and raises serious concern about consumer safety.
Product: Debt collection

I received a phone call from XXXX at XXXX pacific time, they asked for a person with my same last name but had my first name pernounced incorrectly so I told them they had the wrong number. I called the number back out of curiosity and it states XXXX XXXX XXXX Knowing I had registered my number with the US government to do not call I have no idea why this number would of called me. I blocked that number and I want it to stop whoever it is plain and simple.
Product: Payday loan, title loan, or personal loan

I applied for a loan and was denied the benefit.in the process my name birthdate and social security number was used. I was discriminated against because of my credit report. The law states that an applicant can not be discriminated against for any reason and in the process my identity was used and I received no benefit.
Product: Checking or savings account

I was charged the wrong amount by wells fargo and after providing documentation to prove I was overcharged for 4 transactions they declined my claim.
Product: Debt collection

This debt is over ten years old. It is a debt that was written off by XXXX because it was an error on their part after I fulfilled the contract and canceled service. It was disputed and removed from my credit report again last year in XXXX. It has now been purchased and, again, reopened way past the expiration date of the debt. They are fraudulently causing errors and drops on peoples ' credit scores and need to be stopped.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX  to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan Servicing , LLC and PHH Mortgage reported inaccurate information to the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I have a login with Experian and had in the past placed a credit freeze on my account. I tried to log in to ensure that the freeze was still active, but my login credentials did not work. I tried the password retrieval process and it did not recognize my cell number ( which has not changed ) as the number for my account. When I tried the " Let 's try another way '' option it never sent me a code to use ( tried multiple times, cleared browsing history and tried again ). I tried to call customer support multiple times on multiple days, but could only reach an automated system which offers only the snail mail option with no ability to speak to an agent. I am not going to put a copy of my DL, my SSN, and two other forms of ID in the mail!!! 
Experian, like all the credit bureaus, uses my data to make money through a coercive system which mandates that you allow this if you want to have credit, therefore they should be held accountable to maintain a system which works and has personnel to provide support when it doesn't.
Product: Credit card or prepaid card

I have been a Capital One XXXX customer for years. I contacted Capital One to inquire about possibly upgrading my card to one with no annual fee and was told that was not possible. I then requested that the annual fee be waived this year possible and the customer service rep advised that He would be unable to waive the fee at the time we spoke because it was early and the fee had not yet been assessed. He suggested that I call back and request a waiver of the fee once assessed. I called back and was told that my account did not qualify for a waiver based on the systems algorithm?? when she tried to submit the request. I asked what the algorithm was based upon, I cant recall ever being late etc ... and she was unable to answer. In the interim and I received a preapproval offer from Capital One for a XXXX XXXX Card. I was considering booking a vacation, so I went online to see what perks they were offering with the card as well as the terms and conditions rates etc.. Online the XXXX XXXX offered showed a promotion that stated that if you spent {$1000.00} in the first 3 months you would receive {$20000.00} bonus points. I attempted to apply for the card online, but since I was logged into my account. The system kept diverting me to enter the confirmation number for the preapproved offer Id received. Not stiputlating that the terms would be any different. It would not allow me to just apply for the card otherwise. Needless to say, I booked my vacation, the charged went through. I called later to inquire as to when I should expect the points to be posted and was told that my account did not qualify for the promotion. I went online while the rep was on the phone and confirmed the details. She then stated that the promotion was not included my MY specific offer! What?? I would not have accepted the offer had I known that this was the case. I have plenty other cards that I could have used and received some benefit for my purchase.the young lady agreed that I met the conditions and state that she would escalate my concerns and follow. A few weeks later she called back and stated that her request was declined and that points would not be applied. I was so frustrated at this point, I just hung up, figured Id pay the card off and both or transfer balances or whatever. Coincidentally, I then receive a call from their Executive Customer Relations department, inquiring about my complaint.I explained my concerns to the young lady, who stated that she would research and follow up, I do not remember her name, but Im sure the call was recorded, that was before XXXX, I believe and to date I have not received a follow up call. This is like bait and switch. Their system would not allow me to apply online unless I used their confirmation code. The current promotions were advertised online, the only difference was the promotion but how is a consumer to know that. It never stipulates that this does not apply if you use a preapproved offer. And that itself is backward, wouldnt you want to give a preapproved customer a better offer? This is clear deception of a loyal customer
Product: Credit reporting or other personal consumer reports

I don't want this in my report, they are accounts with negative information that I don't remember having. 


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

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, XXXX and EQUIFAX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and FIX my record. Please Fix the account XXXX  XXXX XXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to FIX the account listed.
Product: Mortgage

I have tried for years to get modification on this property. I sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.
Product: Credit card

I have a Macy American Express card and they call me 6 times a day collecting on a payment made in XX/XX/XXXX to the Macy credit card number I had then ( I think what they call their store card ). The money is and has been at Macy 's since XXXX/XXXX/2015 - {$730.00} - but they can move it between their programs or send me a refund. So I receive interest and fees each month on the paid balance - now up to XXXX - collection calls continuously and credit bureau negative reporting. They do not know how to fix, keep telling me to send in a payment and telling me their accounting staff would need to be contacted. It 's not American Express issue but Macy 's. They keep reissuing cards and it 's their issue to relive - MACY 's has had this money in their corporate bank account since XX/XX/XXXX before the due date. They have lost a good customer because of this and now want the company to be fined for this incompetent servicing of their credit programs and failure to follow their regulatory obligations - post payments when received.
Product: Credit reporting or other personal consumer reports

i went to apply for a mortgage when i was notified about a closed collection on my account in the amount of {$4000.00} dollars to a company i never heard of and never done business with but that wasn't the only one i checked my credit score and it had dropped XXXX points due to a collection from a phone company i never used.
Product: Checking or savings account

I received a deposit into my Skrill account for {$8000.00} when I went to log into my account it would not let me log into it to access my funds luckily I had already copied my virtual card information when I went to use it it was invalid now I'm unable to log in to my account please help me in any way you can this happened today Tuesday XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Afni Collections reported to XXXX that I had a XXXX  account in collections in the amount of {$2100.00}. This was a fraudulent account and has already been removed and blocked by XXXX. On XX/XX/2021, I contacted XXXX and informed them that this fraudulent account was already removed and should not be on my credit report. I also contacted Afni and they told me it was a civil matter and there was nothing they could do. I have contacted XXXX multiple times and pleaded with them to remove this info and they say it is active. They have not provided me with an answer as to why they would put this back on my credit report. XXXX is not helping me
Product: Credit reporting or other personal consumer reports

please delete information was used in data breach according to 15 USC 1681 these have to be removed
Product: Checking or savings account

this account was opened online on XX/XX/23 {$7700.00} was direct deposited to the account on XXXX i obtained a counter check as i have never written a check off this account and didnt have any checks to pay for a tree service we had that day i wrote the counter check in the amount of {$5000.00} on XXXX the check was presented via deposit and was paid from my account on XXXX the check was returned due to no signature on the account - opened online on XXXX i was called by the Tree company because they had the returned check same day i went to bank and signed a signature form and was told the tree company would have to wait until the next day to cash. 
i told the XXXX i would just take the cash and just pay him. 
first teller told me he could not give me my money because the check had a business name on it and it didn't match my account j- this makes absolutely no sense as i didn't try to deposit it to my account. 
second teller did something and then froze my account so i couldn't get money out via ATM. 
this is not the first time the tellers could not read their system correctly and gave me bad info- THIS IS MY MONEY second teller told me to come back in an hour they had to research the check ; when i asked what exactly they were researching she told me she couldn't tell me. 
again, what's the research for since it was returned from their status of " no signature on file '' at one point she told me i had to wait 5 days to get my money since it was returned. 
it was returned because of no signature on file not because it bounced!!
Product: Debt collection

I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?
Product: Checking or savings account

On XX/XX/2020 I received a balance transfer from my credit card at XXXX XXXX XXXXXXXX to be deposited onto my Santander Bank checking account, then I verified the funds were there and the funds were paying for bills. I also transferred {$3000.00} onto my savings account and left it there. On XX/XX/2020 a lender institution told me that I was late on my payments and basically all the bills I had supposedly paid were rejected, the reason : my account was closed. I called my banker and he told me my account was shut down and reported for fraud. I had spent numerous hours trying to solve this issue and I did not get any answers at all from either institution. My accounts got closed for no reason and this is causing me a lot of problems financially and also with my credit. I am very very upset about this issue and I need it to be fixed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX.