23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an issue I've encountered with TransUnion 's online services. Despite repeated attempts, I have been unable to access my credit report online through TransUnion. Each attempt results in a notification stating they are unable to complete my request online and advises me to use phone or mail options instead. 

This persistent issue significantly interferes with my rights under the Fair Credit Reporting Act ( FCRA ), specifically my entitlement to freely access and monitor my credit report. Without timely online access, my capacity to promptly review and dispute inaccuracies, monitor for fraudulent activity, and manage my financial health effectively is compromised. 

I kindly request that you investigate this matter and assist in ensuring that TransUnion resolves this issue promptly, granting me full online access to my credit information as required by law. 

Thank you very much for your prompt attention to this matter. I look forward to your assistance and to a swift resolution.
Product: Credit card

I qualified and received A CITI XXXX Preferred card on XX/XX/XXXX. 
My main reason for applying for the card was to take advantage of their " 0 % introductory APR for 21 months from the date of first when transfers are completed by XX/XX/XXXX. '' I called CITI Banks ' helpline to ask how to initiate the transfer from one card to another. 
I spoke to a rude man, who told me I can not transfer the balance on my existing XXXX card because it is managed by Citi Bank. And he scoffed at me because I wanted to do the transfer a few days after receiving the card, and said the waiting period was beyond the XX/XX/XXXX mentioned in the fees page. 

In Citi Bank 's ad, there is no mention of being unable to transfer a balance from XXXX Citi Bank to another, nor a waiting period to do so. I read the XXXX pages of fine print enclosed with the credit card and could not find any details I mentioned above. 

I'm very frustrated at not being able to use the card for the purpose I intended. 
Do I close this account and apply to another bank?
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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: Debt collection

On XX/XX/2023 we made a call to Exeter Finance to validate a debt. However, upon trying to validate the debt, Exeter Finance explicitly refuse to give any information pertaining to the debt, stating the reason for not disclosing any information was due to litigation. However, there is no litigation from Exeter Finance on this account at this moment. They then tried to say that legal counsel needed to be provided in order to discuss the debt, and that a " pro bono '' lawyer is not a valid one.

Even after giving Exeter Finance my name and all pertaining information to this debt, they still were unable to give me any information as a consumer upon this account. Since no information can be given, this debt is invalid.

In the recorded phone call, you can explicitly hear the refusal to answer any questions about the debt. 

We also tried contacting this company on XX/XX/XXXX, only to be hung up on. Both calls are attached, and labeled as follows ExeterXXXX  : recorded on XX/XX/XXXX ExeterXXXX : recorded on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a foreign national and my identity stolen. My consulate told me to go FTC website. I dont know much English but here is info please help. Can you help me. These accounts are not me. Someone use my info. Can you have remove? Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

When attempting to acquire my Experian credit report from XXXX I keep receiving this error message - " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian XXXX XXXX XXXX, please mail your request to the address below using the XXXX XXXX XXXX  Request form. '' This is a violation because it is not free. If i have to mail in a request, i need to buy postage. Sending mail is not free and Experian has neglected to fix this issue for YEARS. There are many many complaints from consumers reporting the same issue online. Experian has still not fixed this issue. XXXX and XXXX provide credit reports with no issue through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about XXXX credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.
Product: Checking or savings account

Complaint I had a hacker hack into my XXXX shared account with my dad, and all my other bank accounts ( XXXX XXXX and XXXX ). XXXX XXXX and XXXX were very helpful and fixed every problem that happened. XXXX on the other hand let a hacker get into my account and let them mobile deposit an electronically made check that was for {$2500.00}, the check was deposited it into my account within 24 hours and on XXXX. A check that wasn't even endorsed by me was let through into my account without my knowledge, after the holiday when the check later was found out as fake the XXXX called me 6-7 times in the same day and have demanded and harassed me for about two months now for the {$2500.00} for the fraud check that was not even deposited by me. The VP of the branch listed above was named XXXX XXXX and she was the one I talked to about everything, after visiting her and her being of no help she gave us the name XXXX XXXX who was the vp of all the branches in the area. Now they have withdrawn {$2000.00} from my paypal account without my permission. I called paypal and they do not understand why or what is going on and suggested I contact the bank since they were the ones to do this. I have NO access to my XXXX  account they have locked me out of them I also have not contacted the bank as I feel as if this may be someone internally. I have filed two police reports regarding the situations and currently working on an attorney.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
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 consumer rights to privacy and confidentiality 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 has violated my rights. 

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

15 U.S.C 1681 Section 604A 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 reporting or other personal consumer reports

I am trying to unfreeze my credit. I tried to reset password but have a new phone number. I found link to reset by email, but they never sent me an email. I tried multiple times on XX/XX/year> to call them. Automated service would at some point say can't help me and abruptly hang up. I'm now unable to obtain credit because Experian will not unfreeze my credit reporting. I note it was a very easy process with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a section/copy from my credit report : A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.

Inquiries that may impact your credit rating/score.

These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

Company Information Inquiry Date ( s ) XXXX XXXX  XXXX XXXX XXXX XXXX RI XXXX XX/XX/2021 End. 
I have disputed with EQUIFAX and they found this to be Factual? Yet Equifax has Not proven this was me. I strongly dispute this, it was not me! 
My 2nd option was to Contact : XXXX XXXX, which I did and they too have failed to prove this was me. 
I am me, I have said multiple times in writing and vocally that I did not apply to XXXX XXXX for any type of loan/credit. Yet, this must remain on my credit report for 2 years. 
I filed a complain with Pennsylvania Attorney General XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

We tried opening a business Checking account with Chase Bank, Horrible customer service, Employees have NO formal training, they make the stories, or come up with things as they go along , 1st we tried  at   XXXX   XXXX   branch on  XXXX   XXXX , that gentlemen asked us all the Unrelated documents and refused to open the account  2ndlly  we went to their  XXXX   XXXX  Branch in   XXXX   XXXX  , Texas, on  X/XX/17    @  XXXX ,  XXXX   XXXX  was suppose to be the in charge, for opening the account, We waited  30 minutes  for him to get off the phone, & than our surprise, He refused to get out of his room, aft er 3 trips to  his room, by the girl working there convinced him to come out and speak with us, HE comes out, without looking for any documents, asking any questions, Very Rudely, he begin to start giving us the long lecture & asked us to come back Most Horrible experience we ever had We went acros s the street & ope ned our account with  XXXX   XXXX  our associates and partners have agreed to close our accounts with Chase Bank, and discourage as many people as we can going to Chase Bank
Product: Debt collection

The day after my monthly car payment is due Wells Fargo calls me constantly, between 4-8 times a day. While I 'm at work, while I 'm eating dinner, while I 'm tucking my kids at night. This has been going on for almost a year despite my constant pleas to them to stop. It 's giving me XXXX and I do n't even want to turn my phone on anymore. Please help me. I do n't know what to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report through   XXXX   I found a "   XXXX   '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything with  XXXX   ).  I contacted  XXXX  by phone on  XXXX   XXXX ,  2017 , and they refused to provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company on numerous occasions via Certified Mail, USPS and phone with no correction. Company has refused to update name variations, inaccurate addresses and inaccurate phone numbers.
Product: Credit reporting or other personal consumer reports

I previously filed a dispute with Experian regarding inaccuracies on my credit report. According to USPS tracking and XXXX records, Experian received my dispute on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to complete its investigation and provide the results within 30 days of receiving my dispute, or within 45 days if they notify me of the need for an extension. 

As of XX/XX/XXXX ( 31 days after receipt ), Experian has not provided me with the results of its investigation, nor did they request any extension. Because they exceeded the 30-day timeframe without resolution, the FCRA requires Experian to remove the disputed items from my credit report. 

I attempted to update my previous CFPB complaint regarding this issue, but the system required me to file a new complaint. I have attached my dispute documentation showing proof of delivery ( USPS tracking, XXXX confirmation ) and my follow-up letter sent to Experian on XX/XX/XXXX, requesting immediate removal of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX )
Product: Credit card or prepaid card

Application ID : XXXX I, XXXX XXXX XXXX, the consumer and natural person, was denied credit by CAPITAL ONE when I applied for a XXXX XXXX  card on XX/XX/2022 Application ID : XXXX. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by capital one due to the response I received. Capital one is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued even though my credit score is a XXXX at the time I made my application in good faith. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One. 

If capital one fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make capital one criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved
Product: Payday loan, title loan, or personal loan

On XXXX I purchased a firearm and some ammunition online from a site called XXXX. The total was {$500.00} and they offered financing through a company called Monterey Financial which offered 90 days same as cash. That's what I opted for. It was supposed to be 3 payments of {$160.00} starting XXXX and XX/XX/XXXX was to be my last payment. Come XX/XX/XXXX I called, on their recorded line, to make sure my final payment was processed and the lady who answered said they already took the final payment from my account. I was 2 days within my 90 days same as cash but she assured me I made it in time. That was XXXX. Come XXXX, I see them on my credit report so I call to find out and they say my payment from XXXX had been returned! Nobody contacted me about it and I've called my bank who has NO record of it and now they're trying to make me pay more than double because it's past 90 days. I did some research on Monterey Financial and read about 10 reviews where people stated the exact same thing happened to them. I've called the supervisor at Monterey, XXXX XXXX, numerous times begging him to listen to the recorded line which they refuse to do. I've spoken to supervisors at XXXX also many times. It's a scam. Nobody will listen to me or help me. I have screenshots of my bank statements for XXXX and XXXX but nothing in my statements for XXXX. I've attached a pdf with my entire XXXX bank statement where you see no activity from Monterey.
Product: Debt collection

I was contacted on XX/XX/XXXX along with three family members from XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX regarding some claim. I contacted on XX/XX/XXXX and spoke with XXXX trying to obtain further information regarding said claim and to probe as to the continuous harassing calls family members have been receiving. When I attempted to probe about steps to validate debt and receiving documentation I was advised by XXXX I would have to reach out to the original debtor who will then forward me back to XXXX. 

I spoke with XXXX XXXX on XX/XX/XXXX and simply asked for validation of debt and requested for paper documentation regarding debt. XXXX became abusive in language and began accusing me for owing this debt, stated that information on my credit report reflects a great amount of judgements against me and that I don't pay my debt and that I was going to court and to jail regarding this matter. I attempted several times to request documentation regarding debt as this is the first time I have been made aware of any debt that was owed and not fully paid back. I was not able to receive any information regarding debt as XXXX XXXX attempts were to have me acknowledge debt. I have no clue who this person is and I didn't feel comfortable verifying anything over the phone without first understanding the origin of debt, amount owed and what debt was for. 

I have requested two times today during my phone calls to utilize the stop calling option regarding my family members being called repeatedly during the last two days. 

I was unable to receiving any information regarding the debt and was not provided with any resolve to obtain debt information to have resolved. I also explained that I was part of a fraud alert and as a result I will not verify payment over a phone if I have no idea whom I am speaking with. 

XXXX hung up and threatened to sue and press charges regarding debt.
Product: Mortgage

My father passed away XX/XX/XXXX and I am assuming the loan. I have sent in all financials to SPS along with the new deed in my name and homeowners policy in my name per there request. This bank continued to say the deed was not sealed when it is public record. My attorney even wrote to them and spoke to them. They keep giving me the run around and the loan is accruing interest. I want to start to making payments. This has gone on for too long! I even have a applied for ERMA through the State of NJ since the house in XXXX. SPS told me it would take 30 days! It is now XXXX! We submitted on XX/XX/XXXX the deed with my name! What is the problem? I am XXXX and this is my primary residence! I have conformation from SPS the the packet was complete! I have no terms! This is the worst bank! My house is worth more than the loan! I have a lawyer XXXX XXXX and will file complaints against them if you do not get involved. No one knows what they are doing in this company. Underwriting should not take this long. They are violating my rights and charging me more money every day. That is completely wrong! This file should of been done months ago! I call every other day and email and no one has answers. This is poor customer relations and a bank poorly ran! 
Maybe our local TV station consumer reports would like to investigate their banking practices. They have many and should be fined!
Product: Debt collection

A cease and desist letter was sent to Portfolio Recovery Associates in XX/XX/XXXX. The letter was received via certified on XX/XX/XXXX. I asked them to stop calling using any and all numbers listed in their system on the alleged debts. 
Since the date of the letter, they have called my cellphone at least 18 times. Since the date of the letter. They have called my parents on a landline multiple times with recent contact XX/XX/XXXX. They have called after XXXX on XX/XX/XXXX disrupting my sleep.