23daVinci/CFPB_Complaints huggingface dataset:
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 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 experiences where Experian neither corrected nor removed Disputed items dispite outcomes I provided causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts as Experian 's blatant actions violates federal laws and regulations and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.SXXXX customers. The company set up a website, XXXX, to determine whether or not customer 's information was compromised. 

After accessing the site and entering my data, it revealed that my personal information may have been impacted by this incident. 

Following this, I attempted to run credit reports with the 3 major credit reporting companies, and attempted credit freezes ; I only managed to do a credit freeze with Equifax, ironically, and only obtained a credit report from XXXX.
Product: Credit reporting or other personal consumer reports

I reached out to Experian on XXXX XXXX to remove the hard inquiries off my credit report but they were fraudulent they told me they were unable to help me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/2023, there were two unauthorized transactions made using my PayPal Debit card. One for {$520.00} and the other for {$1300.00}. According to PayPal, these purchases were made in the XXXX and in XXXX ( or some country that sounds like that ). I was never notified by Mastercard nor XXXX, the two entities that provide the Debit card that suspicious charges were being made. I did notice " pending '' purchases at " retail '' stores on my PayPal account that I did not make, those being the totals provided above. Once I called PayPal to investigate, they took my info and told me that an answer would be received in my " resolution center '' section of my account. After a few days, I noticed that PayPal had found in favor of the " Seller '', so the scammer got their goods and I am not getting my money back. I asked that the issue be escalated, and it was. I was then told that the charges were deemed by PayPal to be " authorized '' because the scammer using my card number had my " 3 digits on the back ''. I told the agent at PayPal that the card is in my pocket, and there is only one. Obviously, the card had been skimmed and these purchases were made XXXX in two different countries in STORES. They said they would look into again, and once more, they kept my money, insisting the charges were " authorized ''. Of course, I in no way every authorized these charges and was totally robbed by entities that obviously had stolen my Mastercard Debit numbers, front and back. This is a lot of money, which was part of my payroll at that time. I have the documentation from the PayPal website as well. This is an unfair business practice, as I am a victim of someone stealing my Debit card information, and PayPal is just telling me that they charges were " authorized '' and to date, I have lost my {$1900.00}.
Product: Credit reporting

I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears.
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 were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a letter from XXXX XXXX about a debt in the amount of {$4700.00} for PayPal.I received the letter XXXX XXXX of 2021. I have never had a account with XXXX and will never. I am reporting Identify Theft in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal credit report act ( XXXXXXXX XXXX XXXXXXXX XXXX ) account number # XXXX has violating 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 82 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/2021, I received a call from Commercial Acceptance Company at XXXX while I was at work so I could not answer. Again, I was contact on XX/XX/2021 at XXXX XXXX  by Commercial Acceptance Company. I asked who was calling and the man on the phone refused to tell me who he was. He continued asking me verifying questions saying he couldn't disclose who he was until he made sure he was talking with the right person. I kept telling him I am not going to give my information to someone over the phone that I did not know who I was talking to. He continued being rude saying I have to tell him this information and I didn't. He eventually said he was a debt collector after going back and forth when he refused to say who he was. I told him, I do not know what debt he is referring to. He continued being rude so I told him to stop calling me and send whatever information he has to the address he has. His rudeness and profound language did not stop. He said that he would continue calling me and all my family members until he finds out who I am. Saying he would contact my grandmother and anyone else he needs to. I told him to stop calling me and I hung up the phone. After all his horrible language, an hour later at XXXX, my grandmother received a call from the same debt collector asking for me. My grandmother immediately contacted me nervous for me. His threatening and harassing actions haven't stopped just there. After telling him not to contact me, he continued to contact me roughly 3-4 since that incident where I clearly said stopped calling me and send me anything through the mail. I never received anything in the mail. Then, I receive a final notice in the mail saying I've been ignoring them and have 5 days to respond or they will take additional action against me. They never sent me any debt notices in the mail prior to this final notice. i never received a letter about the invoice of my ALLEGED debt but they sent a final notice? I NEED HELP! THIS IS ILLEGAL! This company is clearly in violations of my rights!
Product: Checking or savings account

Hi, I have opened up a new HSBC premier checking bank account with following promotion- https : //www.us.hsbc.com/checking-accounts/campaigns/checking-offers/ # premier-checking-details I have opened the account from the landing page of their offer. 
Now, after meeting all terms of the offer, I have not received my bonus. 
I contacted bank and they gave me 2 reasons for not receiving my bonus and both the reasons are not correct - 1. First reason they gave me is that my bank account was not opened from correct web page which is wrong as I opened the account from their promotional page which i mentioned above and if there is technical back end error due to which the promotion was not applied, then I am not responsible for that. 
2. The second reason they gave me is that I had a bank account with HSBC in past 3 years which is incorrect and i have asked for more details around it and the same have not been provided to me. 

I met all conditions of the promotion and deposited more than {$15000.00} dollars in my account through my employer direct deposit. I am getting denied for my bonus for unjustified reasons. Please help me in getting my bonus. 

Thanks
Product: Credit reporting or other personal consumer reports

My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX W. XXXX XXXX XXXX XXXX XXXX ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account inmy name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Checking or savings account

I have contacted Chime multiple times disputing a claim of multiple unknown charges totally over {$2000.00} and filing multiple rebuttals. Dispute # XXXX. Every one of my claims has been denied within hours of being filed. When I requested documentation of why my claim was denied, the only thing I was sent was a list of the charges and the intake form that was filled out when I called to file the claim. I called again, requesting additional information why my claim was denied and I receive the same documentation. I contacted the merchant myself and spoke with them, and they claimed there has been no dispute filed on my behalf from Chime, they dont have an account for me for any purchases, and that I needed to contact my bank for them to file a dispute claim. I again contacted Chime about this, and again was denied, and again received the same denial documentation, which was only a list of charges and the intake form. I sent them screenshots of the merchant information and explained that I spoke with the merchant, and they have no documentation of a claim filed on my behalf. XXXX opened a rebuttal and it was denied within five hours. Every time I call I get the same answer from Chime. They dont give me any documentation or information about the snail and they say the only thing they can give me a screenshot of the charges and the intake form to you. I explained to them that regulation E requires them to give me specific documentation about my claim denial, and they refused to give me that information, claiming they can only give me the screenshots I have been given. They will not allow me to talk to any of the investigators that work with disputed claim, And they wont give me any investigation information. I contacted the FDIC and the police to file a report and they stated they needed the documentation from Chime and when I asked chime about this, they told me again they could only give me the screenshot I am filing the claim against chime in hopes that they will actually do investigation and look into my claim. I did inform them that I would be filing this with you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts due to invalid inaccurate information reporting. Although the investigation is still in progress, Equifax has sent a response for some of the items listed in my previous dispute/complaint. 

An account on my credit report listed as " XXXX XXXX '' is listed with multiple DATES OF LAST ACTIVITY. Again, this can not be verified or accurate as the DATE OF LAST ACTIVITY should be the same on ALL bureaus as this date determines when the account should be REMOVED from my report. Equifax stated, " it verified this account and all non paid collections will remain on my credit report for 7 years. '' See response attachment. See copy of report with multiple invalid dates listed. Equifax FAILED to provide me with the METHODS OF VERIFICATION. I have requested multiple times that ALL DETAILED METHODS OF VERIFICATION be sent to me as proof that this account was VERIFIED. Verification methods other than the flawed system E-OSCAR and no proof has been sent. I am requesting AGAIN, that all non verified items be DELETED ASAP. Please DO NOT CLOSE THIS COMPLAINT OFF OF A GENERIC RESPONSE. I would like this account properly handled. Thank you for all of your help.
Product: Debt collection

I 'm working with XXXX XXXX XXXX to help with my debt due to financial hardship & I have forwarded this information to Kohl 's but they have been calling me At the wee hours in the morning. Sometimes as early as XXXX. They have called me XXXX times at that hour.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries on my credit 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
Product: Credit reporting or other personal consumer reports

My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXX # XXXX  XXXX *Account # XXXX XXXXXXXX *Account # XXXX  XXXX XXXX XXXX XXXX *Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

Spent over {$3000.00} in first three months after opening Well Fargo/Choice Privileges credit card. Had not had a card in many years. So qualified for XXXX choice privileges bonus points. Called to ask what is going on was told all is good wait till next billing cycle. Told that over and over for 3 months then the credit card rep put problem on choice. Of interest is there is no credit card statement in my account for the month points were said to be coming. I had XXXX balance but got statement for following month with XXXX balance. I have many hours of frustration going through the same thing over and over. Reps trained to start at beginning each time and then end at same place. rest assure all is well and it never is and never will be addressed so I am seeking help.
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL INFORMATION on my credit report is inaccurate and despite several requests, has not been updated XXXX XXXX : ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provided. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus. ( 5 ) incomplete account number and inconsistent reporting with each bureau. XXXX  ( 1 ) FCRA 15U.S.C.Sec. 1681i ( a ) this account has not been verified and more than 30 days have passed. ( 2 ) As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature that has not been provide. ( 3 ) High credit is inconsistently and inaccurately reported amongst the three bureaus. ( 4 ) the XXXX  is inconsistently and inaccurately reported amongst the three bureaus and indicates no investigation was done of the bureau and/or creditor would have updated the dola. ( 5 ) incomplete and inconsistent 2-year payment history reporting with each bureau. ( 6 ) XXXX  inconsistent and inaccurate across the three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. Experian and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.
Product: Debt collection

Cash Central cont to auto withdraw monies out of my checking acct when debt has been paid lastcontact i was told last pymt is XX/XX/2018? Ihave to pay XXXX $ for a XXXX. Loan? Pls help me. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

About 5 days AFTER i closed a credit card account for fear of fraud XXXX XXXX  actually allowed 2 transactions in the amounts of {$1100.00} & {$630.00}, both from XXXX. I disputed these, have heard nothing back, tried calling the person handling the case, left a message on XX/XX/XXXX. As of XX/XX/XXXX, still no response. However, when XXXX XXXX reported to the credit bureaus they reported no history, no balance and no credit limit, when in fact I did have a small balance around {$120.00}. They knowingly reported inaccurate information. WHY? 

Further, overcharges, charges a fee of {$10.00} to make a payment to the card and has a scheme forcing card holders to pay {$10.00} just to make a payment over the phone using a debit card and have it credited immediately, otherwise all payments are held for 7 business days. We all know it NEVER takes 7 business days for a payment to process. 

However, for a card holder who wants access to their available credit the next day they must pay by debit card and pay a fee of {$10.00}. Oh and none of this is explained in the agreement while applying for their card. Incredibly greedy and unscrupulous, XXXX XXXX  wants to charge a card holder to pay them. The worst loan sharks dont charge to pay them, seriously! 

Congress and Politicians wonder why Americans are so XXXX XXXX these days, the far right trying to take over the Capitol Building and the far left trying to destroy Hedge Funds. People are sick and tired of Government and Corporations abuse, thats what is truly happening and it is going to get worse unless the XXXX lawmakers who work for the people start actually freaking working for the people. Yes, I am posting this on the XXXX  feed and with those XXXX XXXX supporters. Exposure is the best way to end the abuse. 

To reiterate my primary issue is ; XXXX XXXX  for reasons unknown to me reported that I have no credit limit, no balance or history to the credit bureaus. They deliberately reported inaccurate information for the sole purpose to harm me and their CEO XXXX XXXX XXXX XXXX approved this policy as a way to retaliate against card holders who file a complaint. 
WE all know corporations retaliate, correct?