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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, neither my financial institution nor Zelle conducted an adequate investigation into my claims. I was told that recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.
Product: Checking or savings account

IRS XXXXXXXX XXXX XXXX These All Involved in My XXXX  Tax Return Fraud Problem. 
Honest Investigation Needed. 
These All Have Cript, Fraud Workers Clean This Three Companies. 
All Is Big Gamblers. 
Fraud, Criminal Recard And I Need Free Credit Report. 
My Social Security Not Sacure. 
Everywhere Is Gamblers. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that is being paid 100 % on time and has never been late is being reported to the 3 major credit bureaus as a charge off. This is incorrect and can't seem to have it corrected by the lender. I am attaching the last statement received from the lender and proof of the latest payment made on time Account # XXXX
Product: Bank account or service

Hello, After receiving a promotional offer code for a Citibank checking account that would earn a XXXX XXXX mile bonus after meeting a few requirements, I signed up for an account using the code on XXXX/XXXX/2016. 

I then confirmed with a Citibank representative in XX/XX/XXXX that I had met the requirements and would be receiving the bonus. On XXXX/XXXX/2016 I received a message from Citibank saying that I did meet the requirement and would receive the miles in XX/XX/XXXX or XX/XX/XXXX at the latest. I have a copy of this message as proof. 

When XX/XX/XXXX came I received no miles, I sent a message to Citibank to check in. At this point Citibank said that, even though I had previously been told I would get the miles, I was not actually eligible for the bonus and so would not be receiving the miles. This seems to me to be blatant, false advertising. I would like the XXXX miles that I was promised and my {$60.00} in fees paid while I waited refunded. 

Thank you for your time and help.
Product: Credit reporting or other personal consumer reports

I didn't apply for a card in process of buying a home
Product: Mortgage

This loan company, Loancare, has been harassing me since the start of the loan assumption for their mishandling of our insurance, escrow, and now our property tax.

The tax bill is now {$750.00} as ofXX/XX/XXXXaccording to a " XX/XX/XXXX Delinquent Property Tax Notice '' and on that bill it states " All property with unpaid taxes will be sold at our Tax Sale '' with a due date of XX/XX/XXXX. Now while I am sure that XXXX  County is not going to sell my house right out from under me on XX/XX/XXXX the bill was due inXX/XX/XXXX for the year XX/XX/XXXX. I spoke with a representative yesterday from XXXX County yesterday to confirm that the taxes are still not paid. According to the payment history on Loancare 's website, they paid {$36.00} so I just got off the phone today XX/XX/XXXX, with XXXX XXXX at XXXX County Revenue and it is their policy not to take any partial payments so that is another strike against Loancare.

On XX/XX/XXXX I attempted to call Loancare and after a brief hold I was told by a recording that due to a high volume of calls that I would have to leave a phone number. I did this two times at XXXX and a second time at XXXX. I got zero response. After the call to XXXX XXXX today, I tried to call again at XXXX  with still having to input my number. Note : they did not continue to give me an option of holding.

Loancare bought out my USDA mortgage from XXXX XXXX  and has messed up our homeowners insurance status multiple times requiring multiple calls resulting them trying to force me to buy their insurance when they are the ones that messed up. They sent the insurance check to our former insurance company then charged us for insurance when we NEVER had a lapse in insurance. Recently they tried the same thing again just because I had gotten married and the insurance with XXXX is in my married name.

They were charging me an exorbitant amount for my escrow account and had to refund me twice within a year for over payment. The first time it was close to {$500.00} and instead of reviewing it, they kept the escrow charge the same and had to send me another check onXX/XX/XXXX for {$1900.00} after I initiated the action by emailing them and asking why they have not changed the escrow amount so my excess payment can be taken off of the Principal instead of sitting in escrow building up interest for them. It still took them over a month to decrease the escrow amount with our first payment reduction coming due in XX/XX/XXXX.

This company needs to be prohibited from any new loans until they can work out their many failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate. 

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for consumer XXXX XXXX XXXX XXXX, Social I.D . XXXX, address XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, phone number XXXX in regards to factual disputes I sent out to Experian Information Soultions Inc. around XX/XX/2020 and XX/XX/2020. 
Experian failed to investigate my dispute and respond within 30 days from XX/XX/2020 on my dispute as indicated in the attached letter to this complaint for XXXX XXXX, XXXX XXXXXXXX, XXXX/XXXX, and XXXX/ XXXX. On a response outdated from Experian dated XX/XX/2020 the Experian claims that I disputed these companies already and refused to investigate. Although this may be the case the disputes are different and factual in nature and the reasons for the disputes have been thoroughly documented in the attached letter. The issues were never disputed and different. I attached a picture of the letter since the letter was not certified mail I took a picture. 
On the dispute dated XX/XX/2020, I told Experian that they were late on my XX/XX/2020 dispute and to delete the information per the 30-day policy laid out under the Fair Credit Reporting Act I also raised additional disputes directly with Experian asking for an independent investigation under the Fair Credit Reporting Act of the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Each dispute raised is different and although Experian responded to the XX/XX/2020 disputes they are in violation of the Fair Credit Reporting Act for denying me an " independent investigation '' with notes and documents by a real person and the failure to knowing and willing refuse to investigate is cause for deletion of the accounts and compensation for the act. 
Experian has not stated are attempted to provide an independent investigation with written documentation from a person stating how the above disputes and in my letters have been raised instead they are avoiding an independent investigation which is my right and now must delete the accounts and compensate me for each violation. 
Failure to delete these accounts is cause for a civil action of necessary and waives any and all prior negations, are agreements in this and all matters from here in forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inacurrate and fraudulent accounts reported from my credit report.
Product: Credit card

I am writing to formally address a significant issue regarding my ongoing dispute with Bank of America, which I have previously reported. This correspondence is not a duplication of my prior complaints ; rather, it serves as an opportunity to present additional documentation and evidence related to my case. 

My claim with Bank of America was initiated under Claim ID : XXXX, concerning a disputed amount of {$5900.00}. The latest update I received from Bank of America on XX/XX/year>, has raised serious concerns regarding the professionalism displayed by their dispute department. 

Over the past several months, I have engaged in extensive correspondence with Bank of America, providing them with multiple documents that substantiate my request for a full refund. My initial booking was cancelled by the merchant, necessitating the rebooking of a more affordable service using a different payment card. In light of these circumstances, I was assured by merchant that I would receive the full refund for the cancelled transaction. 

However, during the recent reevaluation processwhich I believe was inadequately conductedXXXX of XXXX issued a permanent credit of only {$1200.00}. This amount does not correspond to the total that was originally disputed and is significantly less than what was expected for the cancelled service. I have explicitly communicated to XXXX XXXX XXXXXXXX support team that the transaction made with my Bank of America card should be refunded in full, as the cancellation was initiated by the merchant. 

Despite my efforts to clarify the situation, it appears that the dispute department did not accurately review the evidence or comprehend the sequence of events that led to the cancellation of my booking. Ultimately, the refund I received does not align with the actual transactions that transpired. 

I am seeking assistance from the Consumer Financial Protection Bureau to resolve this matter. Attached to this correspondence, you will find all relevant evidence supporting my claim. 

Thank you for your attention to this crucial issue. I look forward to your prompt response and assistance in facilitating a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent in a FTC report stating I have been a victim of Identity theft to XXXX XXXX XXXX they Deleted the account on XX/XX/2021 NOT ONCE BUT TWICE Santander Consumer put it back on my report 2 MONTHS later as it is a violation to me as a consumer such as it took more than 30 days for a response. The creditors only have 30 days to verify the account belongs to me as they did not meet the criteria IM ASKING THIS ACCOUNT BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT!!!!!!!!!!!!! 

The COMPANY IS IN VIOLATION AND NO FURTHER ACTION IS NEEDED AT THIS TIME!!!!!!!
Product: Credit reporting or other personal consumer reports

This is not a duplicate report and this submission is not filed by 3rd party. The name on this submission is the individual filing this report. After obtaining a fresh copy of my credit report I noticed that there are some Hard Inquiries that I have no knowledge of nor did I authorize these Hard Inquiries to be furnished on my consumer report. The Hard Inquiries are as follows : XXXX XXXX XXXXXXXX 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 They also violated my rights under 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. Please remove and delete the above Hard Inquiries from my consumer report. I also filed an identity theft report and will be attaching it to this submission. Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory
cost of {$1000.00} each Per 15 U.S.C 1692k : Please remove these hard inquiries from my consumer report. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. 

I expect this letter to be taken seriously and I demand this fraudulent account be removed from my report as I have provided you with the required pieces of information. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will reassess the validity of these items with the creditor responsible for their inclusion. Please eliminate any information that the creditor fails to substantiate. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter.

Kindly provide an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you send notifications of any corrections made to anyone who obtained my credit report within the past six months.

Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and theres a collections that was added XX/XX/2018 in the amount of {$910.00}. It is from XXXX. I am not sure what this is about because I have always had insurance. And I had state insurance then which covers everything. 
If there was an out of pocket expense that should have been explained to me as far as why. I was told I had an XXXX XXXX and that it HAD TO be removed and now I get this bill. I have worked really hard to get my credit score up and I am extremely upset that this is now effecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this issue to the credit bureaus by sending certified letters to each credit bureau. My attorney has sent documents and second notices to the credit bureaus and no response from either credit bureau. It has been longer than 60 days no response. my attorney has been working to resolve this issue but has been unsuccessful. The credit bureaus falsely updating information without investigating
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXXXX XXXX
Product: Credit card or prepaid card

I am writing to dispute a billing error regarding my Citi AAdvantage card.in the amount of {$430.00} on my account. The amount is inaccurate because all of the {$430.00} are related to fees and renewals of a different account that Citi created without my knowledge. 
Citi 's XXXX App has been showing that my account had a {$0.00} balance since at least XXXX XXXX, and provided no means of making any payments. I was not aware that a new account even existed until last week when I saw an email that said that I was delinquent on this new account. 
After talking with Citi representatives over the past few days, I was able to deduce that the XX/XX/XXXX statement balance was {$1700.00}, which I understand was the balance of the original account when it was closed. Citi representatives allowed me to see statements from both accounts and notified me that the new account has a balance of {$2100.00} as of today ( XX/XX/XXXX ), of which none of the {$430.00} were new purchases that I initiated. 
After talking with Citi representatives and reviewing the statements, I have now paid the XX/XX/XXXX statement balance of {$1700.00}, which I am not disputing. I am requesting that the {$430.00} error be corrected, that any finance and other charges related to the disputed amount be credited as well, that both Citi AAdvantage  accounts be closed with {$0.00} balances, and that I receive accurate statements showing their closure and releasing me from any Citi AAdvantage  account obligations. 
I am sending a certified mail complaint to Citi with the above information which support my position. Please help me investigate this matter and correct the billing error as soon as possible.
Product: Credit reporting 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 NumberXXXX  Account Name : XXXX XXXX  Account NumberXXXX  Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a 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

Equifax, XXXX, and XXXX are not reflecting my credit report with the exact same data. Some accounts are reported and some are not across the 3 Credit bureaus. 
Equifax, XXXX, and XXXX are not Metro2 Compliant.