23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX I requested a refund of {$3000.00} from from XXXX XXXX of XXXX. 

After noticing that the amount was not refunded to my account. I filed a dispute with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 

Subsequently I was told the refund was inadvertently made to one of my Chase cards but refund had exceed the this card amount as just the amount was kicked back XXXX XXXX of XXXX on XX/XX/XXXX. 

Since then I have in contact with both XXXX XXXX and Chase bank but both companies state that neither one of has the funds. 

To date I haven't received my refund.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from company information in TransUnion. Please delete the following accounts : XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$25000.00} - High Credit : {$23000.00} - Comments : Charged Off Account / Profit and Loss Write-off - Date Opened : XX/XX/XXXX - Date Last Active : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS BEEN REPORTING FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT. A COMPANY CALLED XXXX XXXX XXXX XXXX HAS BEEN REPORTING NEGATIVE INFORMATION ON MY REPORT AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT NOR HAVE I EVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY. EQUIFAX HAS HAD A DATA BREECH IN THE PAST AND MY REPORT HAS BEEN AFFECTED. I DON'T EVEN HAVE AN INQUIRY WITH THIS COMPANY AND MY REPORT HAS BEEN TREMENDOUSLY AFFECTED AND I HAVEN'T BEEN ABLE TO BE APPROVED FOR THINGS DUE TO THIS FRAUDULENT ACCOUNT. I XXXX XXXX XXXX GIVE YOU MY AUTHORIZATION TO RESPOND TO THIS COMPLAINT,
Product: Checking or savings account

XXXX hacked into my XXXX 's account and wire {$20000.00} to XXXX party account. 
When I received alert text message at on XX/XX/year>, that there is {$20000.00} wire from my bank account. within XXXX minutes, I immediately went to Chase to tell them to stop the wiring while it's still pending. The Chase 's staff at the branch location and online staff were not able to stop the transfer.

Chase sends me a letter to state that it all my fault since I did not protect my password. They will not reimburse me the {$20000.00}. I believe Chase shall find the best way to protect my Chase account.

I want your help to ask Chase to pay me back {$20000.00}.

Chase bank was mistaken close my personal account as the compromised account, they shall close the compromised account of XXXX XXXX. I have set up all my automatic payment with services providers, they were not able to collect the payments, I was report for unpaid bills cause my credit report drop from XXXX score to XXXX score. Causing my credit problems so bad. This is a neglected problems with Chase staff. 

Thanks for your help in advance
Product: Credit reporting or other personal consumer reports

Dear XXXX  Manager / Sir/Madam, I am writing to formally dispute and request the removal of the following accounts that appear on my credit report. These accounts contain numerous inaccuracies, are unverifiable, and are reported in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. I have previously disputed these accounts, yet your agency verified their accuracy without providing the methods or procedures used in the investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This response falls short of legal compliance and my consumer rights under federal law. 
The accounts in question included in the attachments here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( MEDICAL XXXX   EQUIFAX ) 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

I was in the local Wells Fargo branch over a month ago requesting tax statements for me for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was XXXX in Georgia from XX/XX/XXXX to XX/XX/XXXX and am now just getting the chance to gather prior year documentation. 
Please note, I closed all of my bank accounts prior to my XXXX, including those at Wells. I had no open accounts at Wells Fargo during XX/XX/XXXX, yet I received an Wells1099 for the year indicating an income of {$690.00}, which the banker who provided me the document was unable to explain but Wells now cites as originating from a bond that was manually redeemed by Government Reporting. in their letter of XX/XX/XXXX.
Product: Checking or savings account

I am having trouble assessing my direct deposit from my Capital One account on today, XXXX. I have called and waited on the phone for XXXX minutes all to find out it is a third party error. I need my money to pay my bills and get groceries. This is unacceptable that there is no estimated time of this issue being fixed.
Product: Checking or savings account

When I called yesterday, the CSR reps ( I believe in XXXX ) were very rude. She asked if I'd like to have a new card issued.. I told her I'd call back. When I called back, it was brought to my attention that acc oi until was frozen due to fraud ( despite that she had just offered me a new card to be shipped ). 

The lady I spoke with afterwards said I'd still be able to access checks. Well, those aren't processing. 

They told me it'd take a few hours after notarized ID faxed to be processed, but it's taking a few days. 

Im now locked out of checking and brokerage, which is a significant opportunity cost considering the market. Not to mention I need cash to buy food, etc. I'm now having to go on payment plan with electric company bc can't pay bill due to no access to funds ( which will cost more ). I've also had to pay for notary. 

They have the ability to process this faster, but won't. 

I feel like I was discriminated against by the reps I spoke with yesterday ( XXXX ). I feel confident they flagged me as potential fraud in spite. 

I request all calls be listened to, for the past 1.5 months, to fully understand the situation and how this was unfairly handled. 

Respectfully, your previously satisfied customer
Product: Credit reporting

I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report from XXXX XXXX XXXX. I've notice that an account under the name ; XXXX XXXX credit is currently reporting on my Experian Credit report, with no past due balance, no original creditor name & address, payment history, doesn't not identify whether or not if the account has been sold or transferred. All multiple inaccuracies and violations committed under FCRA rules section 1681 and violations of the FDCPA section 809b
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$530.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 us code 1618B Permissible purpose of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following and no other ; In accordance with the written instructions of the consumer to whom it relate. I XXXX XXXX did not give Experian any written consent to report to anything on my consumer report. NO CONSENT IS IDENTITY THEFT. PLEASE REMOVE THESE ITEMS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Transunion back in XXXX regarding this inquiry that I told them I dont recognize. I also filed a ftc report and they still ignored it, now this is hurting my chances of purchasing a home and causing me problems. All I ask is for this inquiry be deleted from my report. Not deleting this item is a violation of my rights and TransUnion are not following FCRA laws they are ignoring them. Please delete!
Product: Vehicle loan or lease

I had leased a car and my mother had got a XXXX XXXX XXXX which lead to a XXXX XXXX, so I called Southeast Toyota immediately to let and make them aware of the situation.Going on my third miss payment Southeast Toyota did not make me aware that they would come in the middle of the night and took the car, I then assume someone stole the car so I had call 911 and thats how I knew it repo.I called Southeast Toyota to pay the three missed payments and their representatives told me that I will have to come up with eight thousand plus or else they will proceed with a quick sale.A few days later they told me that it was sold for eight thousand plus and I owe thirteen thousand plus.
Product: Debt collection

On  XXXX   XXXX , I received a letter fro m Machol & Johnson LLC, Atto rneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX , Co  XXXX . It informed me that they were acting on behalf of  XXXX   XXXX   XXXX  and that I owed their client {$5700.00}.   On  XXXX / XXXX / 2017 , I responded with a certified letter exercising my rights under the FDCPA and Oregon  State law.  I did not admit that I owed the money and my income and property are exempt from sale or garnishment. I requested that they stop contacting me about this matter. This letter was received b y M & J, Attorneys o n  XXXX / XXXX / 2017 .   On  XXXX / XXXX / 2017 , I received a letter fro m M & J, Attorneys sending me verification of the above referenced debt. The letter stated : " Pursuant to your request for verification of the above-referenced debt, we provide the following information from our client : '' At NO time did I request any information from M & J At torneys.   Sincerely,
Product: Mortgage

Owner of property address XXXX XXXX XXXX XXXX, XXXX  XXXX has retrieved medical records from a court-appointed attorney surrounding a XXXX involuntary detainment that shows evidence in those records that there are attempts to rewrite history regarding the finances and medical history of XXXX XXXX XXXX ( XXXX XXXX ) with recent history of a denial of a professional license by the ( XXXX XXXX XXXX  ) XXXX 

XXXX XXXX XXXX ( XXXX XXXX ) is never one to disclose her finances for the sake of proving someone wrong. However, in this case and due to recent events, XXXX XXXX XXXX ( XXXX XXXX ) will disclose that Wells Fargo Bank , N.A . or any other creditor was in no danger of not being paid by XXXX XXXX XXXX ( XXXX XXXX ) in XXXX when she applied for a mortgage with Wells Fargo Bank than they were in XXXX when she was forcefully removed from property by XXXX XXXX XXXX XXXX, XXXX and continuously harassed to the present. Not only did XXXX XXXX XXXX ( then XXXX ) have {$8000.00} in her bank account, she had an unused line-of-credit from XXXX XXXXXXXX XXXX for {$15000.00} that could be increased to {$50000.00}, and a {$5000.00} loan that was set on automatic drafts. In XXXX, XXXX XXXX XXXX ( XXXX XXXX ) had Virginia Worker 's Compensation benefits that were supposed to be paid weekly in the amount of {$1200.00}, she could receive unemployment benefits as well as the ability to work until the XXXX  XXXX XXXX XXXX revoked her license, and still she could have and still can as of this current time use social security benefits. XXXX XXXX XXXX ( XXXX XXXX ) caused no financial hardship to Wells Fargo or no other creditor during the life of her loan. 

Removing XXXX XXXX from the loan in XXXX, did not cause Wells Fargo Bank any hardship as XXXX XXXX XXXX was one payment ahead on the mortgage when she filed for bankruptcy in XXXX and continued to make payments until Wells Fargo refused to accept them in efforts to help the Commonwealth of Virginia and others. Wells Fargo Bank , N.A . caused XXXX XXXX XXXX ( XXXX XXXX ) hardship. Finally, when this loan was applied for, Wells Fargo Bank clearly told XXXX XXXX XXXX that she could finance the mortgage with no other borrowers necessary ; ( sole ) borrower.
Product: Credit reporting or other personal consumer reports

An acont was remover called all three credit reporting agencies it was back on to day all three gave run around and could not tell why it was back on as XX/XX/year> 2024
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, We did a wire transfer of XXXX USD from my XXXX XXXXXXXX XXXX account to Coinbase wallet into their bank account. 

After About one week, I received a communication email from coinbase saying that my wire transfer has been rejected and I will receive my money back to my bank account in next 14 business days. 

I have raised multiple requests to coinbase, but every time I have been said that I have to be patient and wait for the specialist to revert back, but I have never heard anything from the coinbase specialists. 

It has been more than 2 and half months and I am still waiting for my money to be returned to my bank account.
Product: Credit card or prepaid card

AMEX XXXX I don't think there is anything in your terms and conditions covering whether I'm liable for charges related to a XXXX  XXXX XXXX? 

That's YOUR problem. That's your merchant. And you have made that our problem for over two years,
Product: Credit reporting, credit repair services, or other personal consumer reports

The Texas Attorney General 's office has been reporting inaccurate late and/or delinquent payment history that is causing serious issues in my lively hood. I have provided the reporting information in the below attachment. They are also not allowed to report said information according to the below : 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency that administers a State or local program for establishing and enforcing child support obligation
Product: Debt collection

I learned via XXXX that Credit Control Service has filed a debt collection of {$200.00} on my XXXX credit report ; however, I do not owe this date and know nothing of it. Credit Control Service appears to be a 3rd party vendor and they have not attempted any communication with me. I believe they are doing this illegally and want the debt removed from my credit report.
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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but 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: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX XXXX  on XXXX and XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX, XXXX on XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX .am a vitem of identity theft please delete these inquiries immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Equifax, XXXX, and XXXX disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry using my credit negatively was reported to experian for XXXXXXXX XXXX XXXX on XX/XX/2023. I never placed this report, and it violated my consumer rights. The information below I am disputing. It is inaccurate. 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. 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. I DO NOT OWE OR OWN THIS.
Product: Consumer Loan

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX  Account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are not doing anything in regard to the fraudulent information reported in my credit report. It is unfair that my creditworthiness has been damaged due to this fraudulent activity. 
My personal information got exposed in XXXX of XXXX during the XXXX data breach. Somebody without my knowledge opened up multiple fraudulent accounts by taking my information. 
Additionally, this unauthorized person used an address I had never lived.
Product: Credit card

I use PayPal very rarely. I learned that they had signed me up for a service called Bill Me Later without my consent. They ran a hard credit inquiry on my credit report, and harmed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with XXXX, XXXX and TRANSUNION and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!