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

On XX/XX/XXXX, I made a purchase with my chase card to a merchant. The item was said to be delivered in one month. After 5 weeks, I filed a dispute due to a manufacturing defect. A week later, the merchant said they had the item but cant ship it because I filed a dispute. I contacted chase and told them what the merchant told me and they told me to close the dispute. I closed the dispute because I trusted the bank would keep me in their best interest. A month later, the merchant said they did not receive their money even though I saw it on my credit card. 

I called back another month later on XX/XX/19 to reopen the dispute. 

The merchant said it could take 60 days for the money to appear and for the item to then ship. 

2 months later, I asked for an update. They said the dispute was never reopened and that I had to pay {$140.00}. 

The supervisor, XXXX, in XXXX XXXX said I have never called. 

I hung up, and spoke to XXXX, another supervisor. She said she could see that I called on XX/XX/19 to check on the dispute but it was never reopened. 

Now that this time has elapsed, they claim I am responsible to pay for the item because of the negligence of their agent to not reopen the case.
Product: Credit reporting or other personal consumer reports

These companies ran a credit report without my knowledge or permission,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX currently reports on my Equifax account as verified and updated. However back in XXXX of 2020 I sent Equifax a letter of validation requesting a full and complete validation of this account. 

As of XX/XX/2020 Equifax sent me a copy of my credit report reflecting no changes to the account. And no methods of validation has been provided. This is a violation of FCRA rules.
Product: Debt collection

This is not my debt, I do not have a signed contract with this company.
Product: Checking or savings account

My Robinhood account had a balance of XXXX as of XXXX when they decided to close my account for no given reason. Robinhood assured me as early as XX/XX/year> via email hundreds of times All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. You'll receive email alerts as these transfers are processed. It may take up to XXXX business days to complete this process. 
Until now I havent received anything and the funds have been sitting in my Robinhood account for more then XXXX months now and only within last couple weeks my account balance has disappeared and Robinhood refuses to tell me where it went or even acknowledge I had funds in my account balance. They give very vague responses but recently they said send a bank statement in which I did and then they responded claiming I have no account balance without acknowledging where my money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX XXXX Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or list of inquiries 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 anteda
tes 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: Student loan

Navient via email and phone, I kindly requested a Borrower Defense Repayment Form, and for some reason, are misleading me and denying me to kindly email me, the form, On many occasions via phone and email, I requested and have made false claims, Last year I requested, and just yesterday, they keep saying I don't qualify,
Product: Credit card

I purchased a new XXXX laptop on XXXX/XXXX/2015 for {$1000.00} ( before tax ). I used my CITI card. It has a warranty extension benefit that comes with the card that doubles the length of the manufacturers warranty. I opened a claim and sent in the required documentation. One of the things the claims package requested was an estimate for repair from the manufacturer. I had a manager at the service department of XXXX send me an email estimating the cost of repair and sent it in with the claim package. CITI 's claims department denied the claim on the basis that the estimate I sent in was not itemized. I informed them that XXXX was unable to give me an itemized estimate until I sent in the laptop ( which requires I pay the {$210.00} they estimated for the repair ). So Citi is unwilling to pay the claim without an estimate for the repair and I can not get an estimate until Citi pays the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not have a loan with this company and I received this email todayNotice For XXXX XXXXXXXX XXXX ( XXXXXXXXXXXX ) Add to contacts XXXX Keep this message at the top of your inboxXXXXXXXXXXXXXXXXXXXXCASE FILE # :XXXXXXXXLOAN INFORMATIONDUE AMOUNT- $ XXXXXXXXLOAN COMPANY- USA FAST CASHYou are going to be legally prosecuted in the Court House withincouple of days.. Your SSN is put on hold by US Government, so beforesomething goes wrong we would like to notify you about this matter. Itseems apparent that you have chosen to ignore all our efforts tocontact you in order to resolve your debt with Payday Services. Atthis point you have made your intentions clear and leave us no choicebut to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONSAGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFERNow, this means few things for you. If you are under any stateprobation or payroll we need you to inform your superior or managerwhat you have done in the past and what would be the consequences oncethe case has been downloaded and executed in your name. If we do nothear from you within XXXX hours of the date on this letter, we will becompelled to seek legal representation from our in-house attorney. Wereserve the right to commence litigation for intent to commit wirefraud under the pretense of refusing to repay a debt committed to, byuse of the internet. In addition we reserve the right to seek recoveryfor the balance due, as well as legal fees and any court costincurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENTAND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bearthe entire cost for this law suit {$5400.00} which is excluding loanamount, attorney 's fees, and the interest charges. You have the rightto hire an attorney. If you do n't have one or if you ca n't afford thenone will be appointed to you. We believe that this was not your intentand that these steps are unnecessary. We merely require you to contactour recovery asset location department at XXXX between XXXXXXXXto XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURSON : XXXXXXXXUSA.FAST CASHLEGAL GROUP OF ATTORNEYSXXXXXXXXCopyright ( C ) XX/XX/XXXX - XX/XX/XXXX USA.FAST CASH | Privacy | Terms of use ( C ) XX/XX/XXXX XXXX Terms Privacy & cookies Developers English ( United States )
Product: Debt collection

Wilber and Associates called and stated they were legally representing state farm in an attempt to collect owed payment for an insurance claim. Stated that I was not insured which wasn't the case I was fully covered with XXXX at the time and the claim is still being processed. Stated that I owed XXXX and that they would have my license suspended. They also tried to contact my wife multiple times who was in no way involved. This call was received at XXXX AM on XX/XX/year>. I immediately contacted my previous insurance company as well as providing proof that I was insured at the time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Did not open or authorize please delete.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I send XXXX through Zelle to a person who claimed they would file my late taxes. They claimed they sent off the taxes by mail yet when I called the IRS a couple months later they never received them. I've tried to get in contact with this person yet I can not reach them and I believe that they have blocked me. It's XXXX and I still have not received my return. On XX/XX/XXXX I tried to contact Zelle 's costumer service and they weren't helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and after checking over my credit report with all 3 bureaus I have noticed inquiries that I am not familiar with. I have submitted letters to XXXX, XXXX, and Experian, as well as to each of the creditors to try and get the inquiries removed because I did not authorize my reports to be pulled. I believe they may be a result of my identity being used by someone else. I have placed fraud alerts on my reports. I am now in the process of cleaning up my reports and taking the proper actions to try and get everything resolved. These are the inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under U.S.C. 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, First Premier Acct # XXXX, XXXX XXXXr Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 602 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681-2 ( 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 inacurate.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorcugh 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax published a derogatory mark on my credit for {$1400.00}. 
I tried to applied for credit card on XX/XX/XXXX of 2019. I got declined because of the dergatory mark. My credit score is really low. I can't do nothing to boast it up. I dispute with Equifax 3 different times. I got declined all 3 times. I faxed them my Id and social security on XX/XX/2019. I called back a week later and nothing they said they didn't get my file. So I'm trying really hard to get this off of my credit report. I dispute with other credit bureaus and got it all off. The only one I can't get it off of is Equifax. They are very lazy.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Inaccurate Reporting of Paid Accounts Dear CFPB, I am submitting a formal complaint against Experian Information Solutions , Inc., regarding the inaccurate handling and reporting of multiple paid accounts on my Experian credit report.Experians failure to reflect the accurate status of these accounts is a clear violation of the FairCredit Reporting Act ( FCRA ) and consistent with the issues outlined in the CFPBs recent complaint against Experian ( Case No. 8:25-cv-24 ). 
Accounts in Question 1. XXXX Account XXXX : XXXX Original Balance : {$7400.00} Status : Paid in full 2. XXXX  XXXX XXXX Account Number : XXXX Original Balance : {$0.00} Status : Paid in full XXXX. XXXX Account Number : XXXX Original Balance : {$39.00} Status : Paid in full 4. XXXX XXXX Account Number : XXXX Original Balance : {$14000.00} Status : Paid in full 5. XXXX XXXX XXXX Account Number : XXXX Original Balance : {$24000.00} Status : Paid in full 6. XXXX Account Number : XXXX XXXX XXXX : {$200.00} Status : Paid in full 7. XXXX XXXX Account Number : XXXX Original Balance : {$27000.00} Status : Paid in full Issues Experian has inaccurately reported these accounts despite their fully paid status. This violates : 1. FCRA, 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

2. The CFPBs findings that Experian fails to adequately investigate disputes or properly notify consumers of results ( 3349 and 6481 of the CFPB complaint ).
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by   XXXX    since    XXXX   XXXX   XXXX     . According to FCRA law : " This information is generally removed  seven years from  the initial missed payment that led to the delinquency. Missed payments and most public record items  may  remain on the credit report for up to seven years, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since   XXXX   XXXX     which is now 16 years and 6 years past the legally permissable reporting criteria. However   XXXX    continues to report this information which is a violation of my FCRA rights and  State  law. The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.
Product: Mortgage

Eleven months ago I received a XXXX XXXX package inviting me to refinance using a streamlined mortgage. Last week after what was hardly a streamlined process I withdrew my application. 

This process was the most cumbersome mortgage application it has ever been my misfortune to have been a participant. XXXX XXXX XXXX has made mistakes at every level of this process, including, but not limited to non payment of insurance, for which I was nearly placed in an assigned risk pool. Non payment of taxes for which I nearly had a lien placed on my house. I was insulted and discriminated against. I was asked for cancelled checks which were impossible to produce since I pay on line. I was accused of fabricating the documents. Even though I have had a sterling payment record since it became my responsibility I certainly understand their doubts regarding my ability to pay. They did not ask for income so what was the problem. This is only the tip of the iceberg. I can not believe this of a loan origination company. I also found that my application was the oldest. The only one. Why? The last thing they asked for I needed to produce in ten days. It would have taken more than a month. 

The irony is that I was taking no equity out of the house. With a lower rate and a lower payment it would be easier for me to continue with on time payments. Thereby making me a better risk. 

I thought you should know how XXXX XXXX XXXX  does business. Up to now, we have had a good relationship. Since XXXX XXXX is out of the picture, I have every reason to believe that It it will continue. 
Sincerely, XXXX XXXX XXXX Loan : XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX