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

On XX/XX/2023, we opened a dispute in the amount of {$4300.00} for a returned XXXX item. This item was returned to XXXX on XX/XX/2023 and confirmed as delivered on XX/XX/2023 with XXXX tracking and a XXXX pickup receipt corroborating the return. XXXX sent " evidence '' to Citibank showing that the item was delivered and Citibank decided in their favor.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Celtic Bank/CONTFINCO XXXX the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Date of Birth Mark : XXXX Date of Birth XXXX : XXXX Last XXXX of XXXX for XXXX : XXXX Last XXXX of social for XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and called both the credit bureau and these two collection collection agency 's who refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on Experian Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX AccouXXXX XXXX XXXXsted on XXXX Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX COllection Agency XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize the addresses. Please remove it from my credit report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX CT XXXX, Ca XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Accounts # XXXX, has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX Credit Card XXXX 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX there was fraud committed with my credit card. I had contacted them a filed the claim a few days later when I caught that my credit I had on there was used and much more. Unfortunately XX/XX/XXXX I was told my claim was denied with no reason as to why. I contacted the fraud department on the Saturday after and sat on hold for well over an hour. The first gentleman told me it was because I had been to one of the places before, mind you one time. Then the manager told me it was because it was a chip. I explained I had asked for a replacement card months prior and the security numbers on the back would show that. I then asked what I can do to fight this because its impossible for me to be in two places at once. I asked if I needed to send my time cards over which she said yes and gave me the incorrect fax number. After calling again on XX/XX/XXXX and being on hold for 45 minutes I was able to talk to a lady and she gave me the correct fax. I then faxed over my timesheets for the dates in question the same day, XX/XX/XXXX. I have tried to call fraud dept however it was always over an hour wait time and I work for XXXX XXXX in California so XXXX to XXXX mon thru Friday is XXXX to XXXX. I work XXXX to XXXX Pacific time. Hour long wait times and no contact is unfair and criminal. To make matters better I haven't received any documentation from them in regards to filing the claim again and today I was able to get them to escalate it because I messaged them on XXXX. I was then told I would hear back in 3 days with whatever they may need from me or whether or not my claim was denied again. 
I am being forced to pay the bill otherwise it will be reported as missed payments and affect my credit. I do not have XXXX nor do I have the money for the interest they charged me. 
When asked again for the full investigation and why no one told me to file police report they didnt have an answer.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX Effective Date : XX/XX/2022 RE : NOTICE OF INTENT TO FILE LAWSUIT Dear USAA Savings Bank This letter of intent to sue shall serve as a formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : The continued infringement upon my Federally Protected Consumer Rights Violations : 15 USC 1692a , 15 USC 1692d , 15 USC 1692a ( 2 ), 15 USC 1611, 15 USC 1611 ( 1 ), 15 USC 1611 ( 3 ), 15 USC 6809 ( 4 ), 15 USC 6809 ( 5 ), 15 USC 680a ( 4 ), 15 USC 6802a , 15 USC 6802b , 15 USC 6803 ( a ) ( 1 ), 15 USC 6803 ( a ) ( 2 ), 15 USC 6803 ( a ) ( 3 ) USAA Savings Bank , HAVE VIOLATED THE FEDERAL CONSUMER LAWS 14 TIMES. 

I. THE PLAINTIFF. XXXX XXXX XXXX ( the " Plaintiff* ). 

II. THE DEFENDANT. USAA SAVINGS BANK, ( the " Defendant '' ). 

IL. SETTLEMENT DEMAND. As a result of your actions, the Plaintiff is willing to resolve the matter by you meeting the following demands : I hereby grant " USAA SAVINGS BANK, ( " XXXX '' ), the opportunity to remedy this matter by Deletions from all consumer reporting agencies. 
Pay as per the attached invoice. Respect my Rights as a Consumer. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 15 days from the Effective Date. 
IV. GOVERNING LAW. This Letter of Intent shall be governed under the laws of the State of New Jersey. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Suddenly I received a letter for debt collection from Paypal. I have no clue where and what type this debt came from. I do not have a Paypal account. Nor have I ever made any transaction via Paypal.
Product: Debt collection

To Whom It May Concern : I am writing because XXXX is practicing unlawful practices. I cancelled my service with XXXX in 2019 but they billed me still for one month after for XXXX dollars. They did not try to contact me or take the amount out with the autopay I had set up with them. XXXX send me to collections. I would like them to take me off collections for the debt that I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries from XXXX occurring on my accounts XXXX and another XXXX recently of XXXX  are fraudulent and unauthorized requesting the immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

I previously disputed this account stating : " This account is incorrectly reporting that I hav late payments. On my Transunion report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit card or prepaid card

Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past XXXX years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the XXXX credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that Chase has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with Chase. I'm confident that there is an enormous amount of egregious violations with my credit card statements with Chase.
Product: Debt collection

XXXX XXXX sent my account to collections with no notice. Credit Management would not take the money i paid to them. I requested with a letter it be removed due to there was no letter/Notification of the such debt. I ask XXXX several times about the debt no one ever call me back after several attempts about the bill. I had disputed the bill after i have moved. I call them and told them and they was still trying to bill me after i had cancel the service. 
XXXX made no attempt to dissolve the matter and Credit Management was very rude regarding the matter. I have a copy of the money order credit management mailed back to me in which i purchased in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account With XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : 2nd Request for Assistance Regarding Credit Bureau Non-Compliance with Consumer Laws To CFPB Representative, I am writing to convey my serious concerns and frustration regarding the credit bureaus continued failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). This ongoing issue has caused considerable emotional and financial strain, and I am hopeful that your office can assist in resolving this matter promptly. Understanding the Impact As a consumer, I expect that the credit bureaus will follow the law and act in good faith to ensure the accuracy of my credit report. Unfortunately, my recent experience has demonstrated the exact opposite. After filing multiple disputes regarding unauthorized and inaccurate accounts on my credit report, I have been met with repeated non-responses and a lack of follow-through. This has resulted in a growing sense of anxiety and frustration, as my creditworthiness continues to be impacted by errors that I can not control.

It is extremely disheartening to feel like the credit bureaus, entities entrusted with the responsibility of managing consumer credit, are ignoring or disregarding my rights. This situation has left me feeling powerless and as though my concerns are not being treated with the urgency and seriousness they deserve.

Request for Intervention and Assistance I understand that the CFPBs role is to ensure that credit bureaus adhere to consumer protection laws, and it is with this in mind that I humbly request your intervention.

Specifically, I am asking the CFPB to take action to ensure that credit bureaus are held accountable for their failure to : 1. Properly investigate my disputes within the legally required 30-day period under 15 U.S.C. 1681i of the FCRA.

2. Maintain the accuracy and integrity of the information reported, as required by 15 U.S.C. 1681e ( b ).

3. Take swift action to block fraudulent or unauthorized information on my credit report under 15 U.S.C. 1681c-2.

The emotional toll of dealing with inaccurate credit reporting is often underestimated, but it is a real and ongoing burden that affects both my daily life and long-term financial stability. I sincerely hope that the CFPB can help ensure that credit bureaus fulfill their duties to consumers, providing a timely and fair resolution to this issue.

I am grateful for your time and attention to this matter, and I trust that the CFPB will take the necessary steps to ensure that credit bureaus act in compliance with consumer protection laws. I look forward to your response and appreciate any guidance or support you can offer as I navigate this challenging situation.

Thank you for your understanding and for the work you do to protect consumers like me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested to have my XXXX XXXX  account balance ( {$2900.00} ) XXXX  out in reference to the document I submitted to Experian and XXXX credit agencies. Both agencies refused to make the corrections to my credit report. XXXX XXXX  and I no longer do business together ; balance shown on credit report was paid off XX/XX/2023. 

I am willing to submit the documents as needed.
Product: Credit reporting or other personal consumer reports

XXXX  Installments Account # XXXX Installment Account : Reported inaccurately of missed payments has been reported invalid on my consumer report numerous times and multiple times inaccurate. My account has been paid up to date. 

XXXX XXXX XXXX Account : XXXX for amount {$3100.00} have been paid in full this account has been sold to various collectors after collectors this is illegal to harass and sabotaged my consumer report for inaccurate invalid account that has been cleared. XXXX has refused to clear this account off of my consumer report. 

XXXX account # XXXX I don't own this account and have notified the debtor as well XXXX I don't own this account has been an violation of inaccurate data on my report. 
XXXX XXXX is an violation invalid and inaccurate account placed as charge off is violation of invalid. 
XXXX personal Loan charge off # XXXX has been a violation of invalid inaccurate report on my consumer report. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and I OPT-OUT of E-OSCAR validation of accuracy. This inaccurate charge off violates Section 605 ( a ) ( 4 ), Section 605 ( c ), and 15 U.S. Code 1681s2. I will pursue legal action for each violation of inaccuracy.

The consumer reporting bureau has repeat violated my rights without accurate data and must be corrected which will place a law suit per violation XXXX.
Product: Money transfer, virtual currency, or money service

I have tried to speak with a representativethat could help me with changing my name on my card as well.as combing my accounts. I have been unable.to.ge5 in contact with a live representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent b y U.S.  Mail to loan  servicer    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     In  XXXX   XXXX , I contacted   XXXX   and   XXXX   regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request.  XXXX  even questioned the veracity of my explanation.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2024 I have requested a money transfer from Ria XXXX XXXX XXXX, XXXX RIA Money Transfer to my cousin in the XXXX. 
The transaction of US {$4900.00} was to be deposited to my cousin 's account in XXXX XXXX Bank ( XXXX ). 
A few days later, my cousin has realized that she has provided me with the wrong account number and that she has not received the money transfer I have sent. 
I immediately contacted the Ria Money Transfer customer service on XXXX XXXX, 2024 to assist us in amending and rectify the transaction. 
They have asked us to send a confirmation that my cousin did not receive the fund and we have provided that to Ria Money Transfer. They have told me that the fund was already deposited to the wrong account ( XXXX account ) we provided even if the account holder name did not match with the account number. 
After multiple calls in a span of XXXX weeks to Ria Money Transfer, I have talked to several customer service representatives and was finally assigned to a designated person last week who will coordinate any updates regarding my complaints. 
All I get is a run around that they have not received any updates from XXXX. 
As of today, I have not received any solid updates that we will be able to refund or retrieve the fund or at least correct the transaction. They even asked us to coordinate with the XXXX XXXX bank ourselves for fund retrieval and that it will be on " best effort only ''. They explained that the retrieval/refund effort will not guarantee us to refund our money. 
They have not provided us with a plan or process how we can resolve the issue and I've heard several times that there is no guarantee that we will get this resolved. 

I have been using this Ria Money transfer for several years and this is not how I imagine that they will treat their loyal customers when some error like this happens. 
I can provide more information as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote XXXX XXXX equifax settlement remove me from settlement because they participated in fraud or were duped. equifax leaked deliberately to blackmail purchase of credit monitoring. 

remove all fraud allerts equifax remove all credit monitoring i cant call equifax because i only got wired phone. no cell phone means im dead to equifax. 

equifax remove all promotional blocks now and forever verifyy all with immediate complete free credit report by usps. 

no electronic communication
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave- responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which, is backed by 15 USC 6801 which states It is the policy of the Congress that each- financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those- customers nonpublic personal information. '' American Profit Recovery is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following- circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have- my written consent. Any and all consent to XXXX, XXXX, XXXX, and ( American Profit Recovery ) whether it be verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise- that nondisclosure option. '' ( American Profit Recovery ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which- is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed- under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining- reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting- services.