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

XXXX, XXXX and Experian credit reporting agencies, only respond that there is nothing they can do. XXXX sent me a letter and did not even allow me to provide them with identification. They just sent me a letter saying we can not verify your identity. The XXXX credit reporting agencies are doing nothing at all. Someone needs to follow up on what they are really doing about my reports. I have also been breached by XXXX XXXX XXXX, and they have resolved nothing for me. My credit report has been ruined by them. And they could care less what damge they have inflicted on my credit report. They all three agencies do nothing but keep taking false information on my credit reports. And do not verify anything. I can do nothing. I have disputed these items many times to these agencies over 10 years and nothing has happened. I really need help. I have been ruined by these agencies. And XXXX has destroyed my credit file, because they leaked out information of all my personal credit to others. And there is great damage that has been done. And all three agencies ignore my complaints and trying to resolve the false and negative items on my credit file. And when I get any report it is not complete, by no means. I feel the XXXX credit reporting should be held responsible according to the lawsuit. And I am XXXX that was part of it. If there is anything that you can do to resolve this. My life has been ruined because of the outdated and old and false reporting on my credit file. I am just asking please help me with the credit reporting agencies and there assumed false reports against me. Thank you.
Product: Money transfer, virtual currency, or money service

I sent a money transfer to my wife account from bank of america to XXXX XXXX  through zelle using my wife cellphone number in amount of {$2900.00} in XX/XX/year>. Somehow my wife cellphone number was hacked and the money did not go to her account it went into someone else 's account. I notified bank of america and told them that the money I sent to my wife chase account was not received. Bank of America told me that there was nothing they can do. I had to contact zelle directly. I contacted XXXX they told me that there was nothing they could do. My wife notified XXXX and XXXX and XXXX told her that her phone number was hacked and that the funds went into a different person account and that XXXX could not reverse the transaction and that there was nothing we could do.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone tricks us get to our credit card account. When we realize what was happening, we immediately call the Bank Fraud Dept. They lock the card.

On the XXXX, we went to a physical branch to ascertain the correction. We learned that a charge of {$200.00} x6 was put into our account ; Two ( 2 ) went through, four ( 4 ) were pending. They assured us that the four ( 4 ) were stopped, but we were not responsible for the two ( 2 ) because we called on time. On the XXXX, they remove the two charges. To our surprise, we received a letter on XX/XX/XXXX telling us, they reinstated the two ( 2 ) charges because the merchant provided documentation proving we received the merchandise. In essence, telling us we thieves and liars ... 
We have no idea what sort of merchandise is involved. They say the transaction was done outside of our city. We try to reason with them, just the 6 times repetition of whatever the purchase was should be a red flag. It seems that we are too insignificant to provide a convincing argument. So we resort to your office to intervene in such abuse of power ... .Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit card or prepaid card

Around XX/XX/2018 I received a new chase card and made two purchases on it. Shortly after Chase randomly shut down my account. I asked for more information on what was going on and they wouldn't give me an answer. I am very disappointed with their customer service and lack of help with my accounts.
Product: Credit reporting or other personal consumer reports

I use to hold a credit card of XXXX that was provided by XXXX XXXX [ the account was closed by the bank ] but the report that was submitted to the bureau of credit that customer closed the account. I disputed the information direct with XXXX XXXX  on XX/XX/year>. And they send the information to the executive office but they only talk about they had the right to closed it, and I don't denied that but I am asking to fix the wrong information provided to the bureaus of credits, they event told me to go to court...
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit plus is on my credit report this is an error
Product: Mortgage

The original loan was executed by the complainant and hi wife XXXX in XX/XX/XXXX in the amount of {$68.00}, XXXX with XXXX XXXX XXXX XXXX XXXX. As security for the note, the parties granted XXXX as nominee for XXXX XXXX. The note and mortgage were subsequently assigned to XXXX XXXX XXXX XXXX, who assigned them to XXXX XXXX XXXX Bank. 
In XX/XX/XXXX, the parties filed for a divorce with XXXX notifying XXXX XXXX XXXX XXXX that she would not be paying any mortgage payments. In XX/XX/XXXX, XXXX XXXX XXXX XXXX filed a foreclosure action in the Court of Common Pleas, XXXX County, Ohio in Case No. XXXX against XXXX XXXX, XXXX on the unpaid principal of XXXX. 
In XXXX XXXX, the Court granted XXXX XXXX XXXX XXXX summary judgment and the Complainant filed a Notice of Appeal on that judgment. In XXXX XXXX, the Complainant was contacted by Caliber Home Services with a bill that stated that I owed XXXX. 
Caliber also stated that it would modify the loan and restart the mortgage if I paid XXXX by XXXX XXXX, XXXX to Trial Period Management, which I did. 
On XXXX XXXX, XXXX, I was notified by the XXXX County Sheriff Department that my house is due for sale on XXXX XXXX, XXXX. 
I 've never heard from Trial Period Management and was waiting for correspondence from them when I received the notification of the sale.
Product: Mortgage

I contracted with Amerifirst. They sold my debt to XXXX XXXX. I never a notice of Servicing Transfer from Amerifirst to XXXX XXXX. I never received the original contract and promissory note that I had with Amerifirst. This debt was then sold from XXXX XXXX to XXXX XXXX. Again, I did not receive my original contract and promissory note. I did not sign a contract with XXXX XXXX or XXXX XXXX XXXX. I dispute this debt.
Product: Checking or savings account

I received the following email from Citi on XXXX 
I funded the account with $ XXXX on XX/XX/XXXX. I left the $ $ in the account until XXXX. This is 70 days. I also kept a credit card and debit card with them for the same 70 days. 

I am, by their table, due $ XXXX. They are now unsure if they will be providing me with the $ XXXX. In the past, I have had several chats with them and well as phone calls. I left the money in their bank an additional 10 days beyond what they originally said was required. I followed all instructions their chat group in XXXX indicated that I needed to follow to receive the $ XXXX. Now, they appear to be balking at owing me. I believe they have CLEARLY committed fraud. PLEASE HELP ME! XXXX XXXX XXXX XXXX CITI OFFER IN MY EMAIL ON XX/XX/XXXXXXXX 


" Do more with Citi, get more from Citi Get great benefits with a Citi checking account and earn a bonus of up to $ XXXX with required activities XXXX XXXX with your Citi Custom CashSM Card, you already get benefits like acceptance at 70 million locations and {$0.00} XXXX on unauthorized charges. Now you can manage your card and checking account together to simplify your life, and earn more with this special offer. 
Don't wait this offer expires on XXXX XXXX XXXX  See Offer Details Offer not available in branch Earn up to {$2000.00}. 
Here 's how : Apply for a Citi checking account* Within 20 days of opening, deposit required balance ( see chart below ) in NewtoCitibank Funds Maintain required minimum balance after account opening for an additional 60 consecutive days Your cash bonus will be deposited to your open, eligible account within 30 days after you complete all required activities. 

You must also have a Citi credit card from the time you open your account until you complete your Maintenance Period. 

You must have received the offer directly from Citi to be eligible to participate in this promotion. 
Participation does not guarantee eligibility. ''
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX : XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX 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 an 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 card or prepaid card

Below is a dispute letter I sent my credit card company on XX/XX/XXXX along with all the documentation I have attached which was my second dispute because they declined my first one. Since then, every time I call them, I get the run around. I called them on XX/XX/XXXX to check on the status and the person tells me that I shouldn't have opened another dispute because the first one was still open even though they sent me a letter on XX/XX/XXXX declining my dispute. So the lady tells me that she is updating my case and that XXXX has until XX/XX/XXXX to respond to the dispute and that I would know something by then. It is now XX/XX/XXXX and I just called Barclay again and still nothing has even been investigated. I am hoping that someone can please help me with this. 

On XX/XX/XXXX I booked an all-inclusive vacation with the online travel agency Bookit.com. 

{$4900.00} was charged to my Barclay credit card account on XX/XX/XXXX which was then paid off with my monthly payment at the end of that billing cycle. 

I received an email on XX/XX/XXXX confirming my reservation from XXXX. Please find the attached copy of this email. As you can see, I was due to fly out with XXXX XXXX to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX announced they were closing all call centers and that all resort bookings would be cancelled automatically. ( See attached notice from Bookit.com ). Additionally, that they were unable to refund any money to customers and that they should contact their banks or credit card companies for refunds. On that same date, I received an email from XXXX stating my credit card had received a credit for my booking of {$2300.00} which it did not and furthermore, that amount is not the full amount I paid for my vacation. 

After receiving that email, I called Barclay on XX/XX/XXXX to file a dispute. The lady I spoke to took down all my information but did not ask me to send any documentation. She simply stated they would investigate and get back with me. I received a letter from Barclay on XX/XX/XXXX stating they were unable to pursue credit on my behalf as the chip on the card was read and validated during the authorization process and CVV confirmed. This was not the reason for my dispute as I stated to the lady I spoke with. I am not disputing that I did not make the purchase, I am disputing the services not received. 

Due to XXXX closing, they have shut down all phone lines, emails, and website leaving no way for customers to make contact to pursue a refund or credit. Therefore, I am requesting that you open another claim for a chargeback of {$4900.00} for services not received.
Product: Credit reporting or other personal consumer reports

Iam filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. ( credit card account opened at XXXX XXXX Account Number XXXX  Account Name : XXXX Account XXXX. Creditor Name : XXXXXXXX XXXX XXXX  XXXX Date : XXXX. XXXX, XXXX Creditor Name : XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX. XXXX, XXXX Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX. XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a debt from XXXX XXXX  that was place with Portfolio Recovery Associates. In XX/XX/2017, XXXX XXXX  reversed several charges on my account before Portfolio Recovery Associates to possession of the account. XXXX XXXX  only showed a charge off of {$490.00}. XXXX XXXX  reversed a total of {$240.00} in charges. In XXXX of 2017, PRA filed a claim in my XXXX XXXX XXXX for {$490.00}. During the course of my XXXX XXXX XXXX, the trustee paid a total of {$130.00}. This left a balance of {$350.00} when my case was dismissed. 
Portfolio Recovery Associates is claiming that the balance is {$600.00}. I have contacted Portfolio Recovery Associates and spoke with multiple representatives who told me I was wrong. I even emailed them a copy of the claim they filed in my XXXX XXXX XXXX, which included the attached FINAL statement from XXXX XXXX. They have the debt listed with all three credit reporting agencies as {$600.00} and refuse to correct it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently response within 24 hours stating the account is accurate, without providing any evidence of referral investigation this practice violates the fair credit report act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax actions may also contravene the consumer financial protection act ( cfpa ), 12 U.S.C. ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. These are the accounts marks as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX that I had an account that was previously over 30 days late. My score dropped by XXXX points. I never have paid an account late. This particular vehicle account is on auto draft. I called and went online and confirmed all payments had been received and paid on time. I was told by usaa there wasnt anything they could do but have me go on usaa.com and fill out a credit dispute. On each attempt their system errors out and tells me to try again. This is not okay. They should have a better resolution when their agents can see that I have excellent payment history. But instead they make the consumer attempt to get the reporting corrected. Meanwhile this will affect other lenders credit decisions. Not okay and usaa should be held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Suppression or delete Code DF Code 13 I would like to request by law the suppression or deletion of the following item : TD AUTO FINANCE. 

READ THE TD AUTO DOCUMENT, THEY ARE FRAUDULENT CHANGING THE NEGATIVE DATE FROM XX/XX/XXXX TO XXXX XXXX  TO EXTNED THE LOAN AND ADD MORE INTEREST. THE SIGNATURES DONT MATCH. 

Reasons : Negative date goes from XXXX XXXX to XXXX XXXX  Balance increase every dispute Balance is stated different on the credit report than TD Auto Finance Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of four years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean TD Auto Finance is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.
Product: Mortgage

The forced re-fi MORTGAGE initiated as XXXX, NOT XXXX as the investor. We are dealing with from the beginning CRIMES set forth by loan officer " XXXX XXXX '', who was let go from Citizens Bank and now is with XXXX XXXX XXXX. It's is at a criminal level which a Judge has no choice but to expunge on all authorities to control in devious fraudulent pool who has its own they sell of the MORTGAGE to knowing they will maintain as a different entity to maintain, closely monitor, and perform mastered coding all in their criminal educated bank fraud certificates in which will call themselves excused since they were a part of the re-development of the stock market crash, of the loan scam and therefore as stated mortgage was placed in a special pool with other illegal loans? Prior to foreclosure sale of said property The bank " who claims not to have been lien holder did in fact deny my buy out of debt owed. They didn't own it and they did not owe anything on it. The money was re-paid years prior with the illegal investment made on XXXX XXXX they have co-mingled in with other loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at Best Buy when i was purchasing a computer because it was offered to me for 12 months no interest. I applied and was approved. A couple weeks later it appears on my credit report as a hard inquire and it lowered my score. I called the citi best buy credit card and the person told me they should have told me when i applied it was ahard inquire but they didnt and that they cant remove it. What can i do?