23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit profile. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for a removal they also violated my rights. 

15. U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

Also the credit bureau took more than 30days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX
Product: Credit card or prepaid card

I prepaid for a vacation for myself and 13 friends at XXXX XXXX for the period of XX/XX/XXXX through XX/XX/XXXX. Due to some confusion, this payment was credited and then rebilled effective the same date, XX/XX/XXXX. ( Attached is a copy of my original reservation confirmation and copies of the payment. ) However, when I arrived on XX/XX/XXXX, XXXX could not find evidence of my payment in their system, and demanded that I make full payment before they would allow my entire party of 14 to stay. 

I provided the staff at XXXX with evidence of my full payment in the form of the Reservation Confirmation and a copy of the Chase credit card statement showing payment. When XXXX refused to honor the reservation, I immediately called Chase so that they could resolve the issue. The Chase representative spoke directly with the hotel representative and let him know that the I did in fact pay the full amount for the entire stay. The hotel representative repeated that they never received payment, despite the assurances by Chase. 

As a compromise, and because I had 13 others relying on my efforts, I agreed to pay for one night with the assurance by the hotel staff that the issue would be resolved the next morning, and the one night payment would either be refunded or credited. 

The next morning, when I attempted to confirm that the issue had now been resolved, the front desk staff demanded that I pay for the remaining nights ( XXXX XXXX ), and again, despite all the effort, informed me they would not honor my original reservation. Shockingly, I was unable to get anyone from XXXX to review my evidence of payment. It was as if the entire discussion with the Chase representative never happened. The response from the front desk staff was, Pay or leave. 

Over the past year, I have respectfully insisted that Chase and their customer relations team revisit these charges, and payment processing, which occurred between Chase and the Merchant ( XXXX, XXXX XXXX XXXX ) and the merchant 's bank ( XXXX ), to resolve this issue and refund the charges amounting to XXXX for services never received ( as stated in my credit card benefit agreement ). 

Chase has had a serious lack of customer service and help, often times closing out my case without follow up, which has made me have to open case after case. Chase 's only advice is that I should take it up with the merchant. I have provided all the info to the merchant and they are unable to locate the money. They are willing to refund me the money if they could locate it. Chase is unwilling to talk to the merchant or the merchant 's bank to help me get this resolved. The merchant has advised me ( I have email evidence ) to request Chase to reverse the transaction. Chase will not. I should not be financially responsible for an error that occurred internally between these parties. I, as a consumer, did everything I was supposed to do and view this as a breakdown of internal processes in Chase bank and the parties they transact with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.
Product: Mortgage

On XX/XX/XXXX, I made a regular mortgage payment online through Wells Fargo 's website ( {$760.00} ) plus additional {$2000.00} to principle. On XX/XX/XXXX, Wells Fargo ( WF ),  without my permission, took another {$2700.00} from my account ( with my bank routing number and checking account information stored on their website ), causing my checking account balance to go below zero. I found out about the extra withdraw on XX/XX/XXXX and called WF on  XX/XX/XXXX and requested the money be deposited back to my checking account. I notified the WF customer service rep that my mortgage principle was only around {$1200.00} after the XX/XX/XXXX payment, why would anyone pay another {$2700.00} when he/she only owes {$1200.00}? At the time, the WF rep informed me that the money will be deposited back to my checking account within two ( 2 ) business days. When I didn't receive the money on XX/XX/XXXX, I called WF and this time I was told that my mortgage has been paid in full and a refund check has been generated and mailed to me via regular mail on XX/XX/XXXX. As of XX/XX/XXXX, I still haven't received the refund check. Because WF mailed the check via regular mail, there is no tracking on where the check is.
Product: Debt collection

I use to work for and rent a mobile home from a man by the name of XXXX XXXX XXXX who owned a company called XXXX XXXX XXXX XXXX XXXX. Our agreement on the property was that I could live in the home and the power being included in the deal as well as lawn care and trash pick up for a set rate of XXXX a week because the place also needed a lot of work as well. XXXX automatically deducted my rent out of my check each week for the rent including power as well but for over a year I was under the impression that he was paying the power until all of a sudden the power was shut off on us one day and I actually had to call XXXX XXXX who then proceeded to inform me that the power had just recently been transferred from a one XXXX XXXX XXXX to me XXXX XXXX in the amount of {$1000.00} and I asked how this was possible they told me that they had spoken to me the prior day and I gave them consent to transfer the bill over and it become my debt at that point so you can imagine I couldn't afford to pay it and no matter how many times I told them that it was not me they spoke to they wasn't caring or never tried to right the wrong. I worked for the guy as a sole proprietor for off and on almost 13 years and knew he was slick about things but never thought he would do something like that to me and worse off how can XXXX XXXX take the word of a person over the phone that they are who they trying to say they are without first verifying the persons identification personally especially in an amount of money from one XXXX account to another person? Please help me right this wrong because this debt has been killing and draining my credit for 6 going on 7 years and its not my debt to pay and being a husband and breadwinner of my home with a wife and XXXX kids I wouldn't even pay that if I could cause its not my debt and anybody who takes the time out to investigate this situation could trace it back and see exactly where that bill originated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I had a credit card with XXXX Bank. I did not pay it off and a judgment was placed against me. I paid it off in full in XXXX. I wrote a letter to XXXX, Eqifax, and XXXX I attached the paid in full receipt. I received word from XXXX that it was removed but have never received word from the other XXXX credit bureaus. I did n't even receive word that they received my dispute. I would like this investigated. My name is XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, Texas. XXXX. My email is XXXXXXXXXXXX
Product: Checking or savings account

opened account XX/XX/2022, promised in writing {$300.00} bonus. Never received. Almost 9 months later they are committing fraud on a multi-depositor and interstate basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX {$7500.00} XXXX XXXX {$6300.00} US DEP ED XXXX {$1300.00} XXXX XXXX  XXXX {$110.00} XXXX/XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit card or prepaid card

I ordered the XXXX XXXX coolant required for my XXXXXXXX XXXX XXXX through XXXX XXXX. This was on XX/XX/XXXX. 
Yellow coolant was shipped twice and returned both times, with written XXXX XXXX return authorization. I have XXXX receipt of returned coolant. My Discover Card, account # XXXX, will not accept the credit return of {$140.00}. I spoke to Discover Card rep three times and they agreed with me, but I an being harassed by Discover Card and their debt collection and every month being charged {$40.00} late fee and interest on product that was returned. I have told Discover I will not pay for product I returned and sent the backup documentation. I contacted XXXX and was told credit was approved and Discover will not recognize the credit. I have 23 years business with Discover without one issue. How do I stop this harassment. I need your help. Thank you.
Product: Credit reporting or other personal consumer reports

Due to the recent suit against said company for inaccurately verifying and re-entering inaccurate reports to my report I am filing this complaint on behalf of my entire report. debt validation has not been provided by either the company or the bureau. The inaccurate reporting is a violation of 15 U.S. CODE 1681- CIVIL LIABILITY 15 U.S. CODE 1681g- DISCLOSURE TO CONSUMERS 15 U.S. CODE 1681i- PROCEDURE IN CASE OF DISPUTED ACCURACY 15 U.S. CODE 1681s-2-RESPONSIBILITIES OF FURNISHERS OF INFORMATION 1. Inaccurate Reporting of Account Information : The following companies has reported incorrect account information on my credit file, including inaccuracies such as late payments, balance errors, account status, etc. 2. Failure to Investigate Disputes : After I disputed this information directly with said companies and the credit bureaus, the company failed to properly investigate and provide documentation verifying the accuracy of the reported information, violating their duty under 15 U.S.C. 1681s-2 ( b ) of the FCRA. 3. Reinsertion of Disputed Information : Despite my disputes, I noticed that the disputed information was reinserted into my credit file without notice or validation, which contravenes 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA. 4. Harmful Impact on My Creditworthiness : These inaccuracies have caused significant harm to my creditworthiness, impacting my ability to obtain loans, housing, and other essential services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was used to commit fraud I have given the bank evidence of it not being committed by me since I was in a completely different state from where the transactions were taken place was going on for around 2 weeks I have given them credit card statements of me using my credit card in another state since I didnt have my debit card and to them that is not enough Im an XXXX year old with a part time job I can not be in debt with a total of around XXXX XXXX in fraudulent charges still have not received accurate updates the claims department had been no help at all and have been ridiculously rude at times tell me that I committed the crime of Fraud and that, that is why I cant pay my rent or my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up request in line with my previous complaint last XX/XX/2023, the items I am disputing must be removed or blocked in my file to prevent further more damage to my credit report. Here are the items mentioned : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} The addresses listed above are not my current address, These accounts are inaccurate and fraudulent. Im seeking Litigation.

Please delete them at once.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 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 THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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.
Product: Debt collection

XXXX, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692 g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer _ reporting agencies. 

Im aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failure to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

Tried to negotiate a reduced monthly payment with Bank of America, but since I was getting late on my payments, they closed my account. I have been a good customer for 10 years and still maintain both my personal and business accounts with them. 

Looking to reopen my business credit card ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA and request that some fees be waived or reimbursed. I currently have a line of credit of {$10000.00} and would like to establish a payment plan of {$100.00} per month. I plan to pay off the balance by the end of the year if my business credit card is reopened. 

I called a couple of days ago, but they were unwilling to assist with my requests to reopen my account, lower my payments, and waive fees. 

Please help me with this matter.
Product: Credit reporting or other personal consumer reports

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Synergetic Communications Inc. ( SYNCOM ) and XXXX XXXX XXXX in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.
Product: Debt collection

In accordance with the Fair Credit Reporting act Credit World Services 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 also states a consumer reporting agency can not furnish an account without my written instructions.

This debt collection does not match on all credit reporting bureaus. XXXX has reported it and XXXX has not, proving invalid and inconsistent.
Product: Credit reporting or other personal consumer reports

I have been trying to review my report online along with past disputes and trying to start new disputes on the transunion website. It has not allowed me to in months. I have called in over XXXX times about this and also went through trouble shooting with tech support multiple times and my account will not allow me to use any of the online service center options. I have logged in on different devices as different times nothing is working and TransUnion is not helping with the process. I also can not access it on any credit monitoring website or on XXXX