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

i cancelled a credit watch service with Equifax in XXXX XXXX they kept billing me and i called them in XXXX about cancelling again and getting a deserved refund. 
They claimed no refund even if billed incorrectly and i complained they said we will start you with Equifax XXXX at no charge. 
They then proceeded to charge me again and i filed a complaint with the company and they said we do not refund. we have a no refund policy and gave me a claim number that they would get me my money back XXXX I called XX/XX/XXXX to ask where my claim stood and when i would receive my money. 
Nobody recognized the claim number, asked for a super, no consolation, ask for another super, transferred me to another div and went through the same spur request. 
Still nobody would give me service on my claim number, but continued to state no refund policy. 
I repeated that i have been billed twice in XXXX and have transaction numbers. They have stolen money from me. 
A company that supposedly protects you from fraud, committed FRAUD against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

Bank of America continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.
Product: Checking or savings account

On XXXX my card was compromised and {$500.00} was withdrawn from my account Also on XX/XX/year> {$400.00} was also withdrawn.
Product: Checking or savings account

On XX/XX/2021 Bank of America concluded no fraud was conducted on my account and I was instructed to consult the bank I had funds transferred to. Prior to this fraud had occurred on my account in XXXX XXXX the amount of {$2900.00}. 

This determination was made with no evidence of account history nor was it released to me when I requested to multiple times. I have tried to consult with their claims department, however they say that once the determination has been made there is no disputing it or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon entering required information into the web form on Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) in order to determine if my personal information ( including my birth date, social security number, etc. ) was stolen by the massive hack that allowed the stealing of about 143 million U.S. customers of the credit reporting agency, the below message was displayed : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am extremely worried about what will be done with my personal information that was stolen. 

I have since placed an initial 90 day fraud alert on my file, today ( X/X/2017 at approximately XXXX XXXX  MST.
Product: Checking or savings account

WELLSFARGOXXXX XXXX XXXXXXXX forged my signature and had our joint accounts address changed and he fraudulently stole XXXX a month and put it in a hidden account HE also cashed my safeway checks when my name wasn't even on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccuracy and incompleteness were found on the accounts i place on the letter including unauthorized inquries on my credit report.
Product: Debt collection

Paid a collection account showing in credit. 

Contacted Paramount Recovery Systems to make a payment, account was settle & closed. 
I requested a letter to be sent to me via email and was told will take 24 to 72 hours to receive letter and I have not received request. I called them few times already and they continue saying they will email and no response. 

Payment was made on XX/XX/year> Account # XXXX Ref # XXXX XXXX settle {$940.00} of {$1000.00}.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP! 

Date Opened - XX/XX/2021 Balance Owed- {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to call Experian. It is impossible to speak to a live person. No matter what number you call. Their automated messaging NEVER gives you the option. I tried to file a dispute about our mortgage with XXXX/XXXX  XXXX that was paid in full last year but still showing as owing a balance and active. This affected a recent loan interest rate because it showed I had a balance on 2 mortgages which I do not. Because I have filed a dispute once in the past regarding this same issue Experian does not allow you to file a second dispute for the same account. Most pathetic customer service!!
Product: Debt collection

I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.
Product: Credit card or prepaid card

in a previous CFPB case, XXXX Blackhawk said I activated this card and agreed to the terms and conditions of the card. I never did. please provide proof I agreed to the terms because I never did. 

There is evidence on various forums such as XXXX  that XXXX  is blocking debit transactions at merchants that code as grocery in an effort to block manufacturing spending which is completely legal I wish to have a check for the balance. XXXX  is playing dirty here
Product: Debt collection

Midland Credit Management is the collection agency, and on XXXX I asked for a copy of a signed contract for this debt and told them I was disputing this debt, and I never received a copy of a signed contract that this was my debt, and I don't believe that it is and now my pay is being garnished at 25 % and when I spoke to them again on XXXX when I saw several things in my credit report with the Midland name on it I again asked for signed documents that show it's mine and informed them they have 21 business days to get that to me and that they failed to comply with the time I spoke with them on XXXX and then was told I better send it to them in writing and I told them it's their place to provide me the documents I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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. 
Delete these accounts immediately according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 my wife and I were having some financial difficulties after she lost her job due to an on the job injury that she subsequently had to sue her employer for in order to receive medical disability. During that time we received some really bad advice from an Attorney and filed for Chapter XXXX Bankruptcy. Within a matter of days we began to have remorse and requested the Bankruptcy be dismissed. The Attorney ( who offered no refund ) did not act in a timely manner and the Bankruptcy was filed, but later dismissed at our request. We subsequently contacted all our creditors and made arrangements for payment and eventually paid them off. 

One of our creditors at the time was XXXX XXXX ( XXXX XXXX ). In the initial paperwork we filed with the Attorney XXXX was not listed. I explained to the Attorney that I wanted to keep that account since I had had it for a number of years and was always in good standing, with a relatively low balance. He said that was permissible. 

To my surprise XXXX XXXX acted on a public records filing and arbitrarily closed the account ( that was current at the time ) and began reporting it to the Credit Reporting Agencies as a " charge-off ''. Despite my knowledge of that, I continued to pay them until the balance was paid in full and they gladly accepted the payments, XXXX XXXX did not sustain any financial loss from my account. 

I have contacted XXXX XXXX numerous times this matter, to include a letter directly to the CEO. My efforts have continuously been to no avail. I have disputed the entry on my credit report with the Credit Reporting Agency numerous times, but each time I am informed the information being reported will remain on my report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2015 Experian failed to respond and failure to comply with the ftc for non compliance. The above reference account was removed from XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Of 2023 I Wrote Primary Creditor Via Mail Whom TransUnion Allegedly Received This Information From. Their Response Was They Do Not Report To Any Credit Bureaus, In Which I Forward Both Letters To TransUnion Via Mail. TransUnion Refuse To Accept Documentation As Proof That They Are Falsely Reporting & Violating My FCRA Rights, & Is Damaging My Credit. TransUnion Also Cant Provide Proof That They Contacted Anyone To Verify This Alleged Account! Attached Are My Letters I Wrote & Received Also TransUnion Response
Product: Credit reporting, credit repair services, or other personal consumer reports

N.Accordance with the fair credit reporting act 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: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$1200.00} 2. XXXXXXXX XXXX Account Number : XXXX Bal :
Product: Money transfer, virtual currency, or money service

I use coinbase as my cryptocurrency exchange and wallet. I enabled 2 factor authentication on my account as they prompted when signing in. I ended up losing my phone and got a replacement. 2 factor authentication is associated with the lost phone. I can not transfer it to my new phone without first verifying on the phone that is lost. I do not have the seeding information to restore. This leads to bigger issues. I have a limit on the amount of transactions unless verified with 2 factor authentication. I can not log in once the code expires due to the inability to verify a new code because I no longer have the original phone. I contacted support on XXXX XXXX 2017 and I have not received a reply. I contacted support via XXXX @ coinbase support and have not received a response. They do not offer phone support and all support online is automated. There is no number you can call. They literally have been ignoring other member for months without them hearing from support. At this point I feel as though they have a significant portion of my life savings locked into their platform. I literally can not get the courtesy and assurance of a response from coinbase support. I also can not access the helpdesk ticket or request page due to XXXX. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

identify you and your account. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number 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: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with DNF ASSOC company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Checking or savings account

I deposit a check with Truist Bank and the check call the other bank. Truist also reach out to the law firm that issue the check and truist refuse to get me my money they close my account and they keep saying the check is no good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding my credit report, which contains inaccurate and fraudulent information. I have previously submitted an identity theft report detailing the fraudulent activities on my credit profile. However, I have noticed that the following fraudulent accounts and unauthorized inquiries are still appearing on my credit report : Account Details : 1. Account Name : XXXX  XXXX Account Number : XXXX 2. Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX These accounts were opened fraudulently without my knowledge or consent. I have taken the necessary steps to report this identity theft, and I kindly request that you investigate the matter thoroughly and remove these fraudulent accounts from my credit profile immediately. 

Furthermore, I have identified several inquiries on my credit report that are not associated with any active accounts. These inquiries were made without my authorization and have no valid purpose. Therefore, I request that you remove all unauthorized inquiries from my credit report as well. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants you the responsibility to ensure the accuracy of the information in my credit report. It is essential for me to have an accurate credit profile as it impacts my financial opportunities, such as obtaining loans or credit cards. The inclusion of these fraudulent accounts and unauthorized inquiries is not only detrimental to my financial standing but also a violation of my rights under the FCRA. 

To support my claim, I have attached copies of the identity theft report that I previously filed with the relevant authorities. This report provides clear evidence of the fraudulent activities and supports my request for immediate removal of the aforementioned accounts and inquiries. 

I kindly request that you initiate an investigation into these matters promptly and provide me with a written confirmation once the fraudulent accounts and unauthorized inquiries have been removed from my credit report. Additionally, I would appreciate if you could provide me with an updated copy of my credit report once the necessary changes have been made. 

Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute letter. I expect a prompt response from you within this timeframe. 

Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I have repeatedly been hit by XXXX  with collections that I have not done and I dispute them just fine as they are not mine. But around the XX/XX/XXXX they put a collection for the third time from a XXXX bill on my credit report and when I try to dispute it they just leave it on there. I have never had a cable or internet bill in my life and my phone goes through XXXX which I make my payments on time monthly for. I dont want this damaging my credit any longer as I have not opened an account with XXXX and disputing it twice has not worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX  claims I owe.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfilled 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 ( 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 correct 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 XXXX 's inaction violates federal law and rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication aft
er a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Checking or savings account

In the later part of 2019, Citi Bank advertised a promotional cash bonus of {$700.00} for any person to open a Citi Priority savings account with a Citi Priority checking account, with an initial cash deposit of {$50000.00} and maintaining that deposit for a period of 60 days. 
Based on this solicitation, we opened a Citi Priority checking account and a Citi Priority savings account on XX/XX/2019 with an initial funding of {$50000.00} and maintained that cash deposit continuously in our accounts through XX/XX/2019. 
To date, Citi Bank has not followed through with the cash bonus of {$700.00} as promised in their original solicitation. 
We contacted Citi Bank a number of times on this issue, to no avail.