23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/2018 I ordered a product from merchant ( XXXX ) in the amount of {$230.00} via XXXX which is attached to my debit card from Chase. A week had gone past and I never received my item. I contacted the merchant numerous times where they wouldnt give me answers. I then contacted my bank ( chase ) to start a claim as I never received my product. They said they would take care of me and issued me a credit. I have never received my product. On XX/XX/XXXX There was a claim reversal. I contact chase on XX/XX/XXXX to discuss the issue because I shouldnt be responsible for an item I never received. I spoke with XXXX in claims who stated that the tracking number shows its delivery and I there is nothing I can do. I ask for a supervisor for which he places me on a long hold and then tells me they dont have supervisors. I said that is absurd and requested one again. He came back after another long hold and informs me that they do t have any available. He says I need to take this up with the merchant. I plead as I do not want to be out of the money for something I didnt receive. I contact the merchant and ask for help and they inform me there is nothing they can do now that it is almost 4 months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I submitted a dispute with Equifax to XXXX XXXX that the bill {$620.00} has been paid, XXXX shows it paid in full. XXXX  XXXX even says the bill has been paid. 

On XXXX XXXX Equifax sent me the results of the dispute showing that I STILL owed the total amount. 

On XXXX XXXX I called XXXX XXXX to see if they sent info that they were paid in full to Equifax, they said they faxed the info to Equifax on XXXX XXXX stating the account had been paid in full. 

On XXXX XXXX I 've been trying to contact Equifax about getting the acct to show paid in full and ca n't get through to anyone or their online is down for maintenance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not let me unfreeze my credit report in a timely or efficient manner. Their website does not accept my information which is all correct. Their phone system does not allow you to speak with an individual and sends you in loops after requesting so much personal information ( SSN, etc. ). Requesting that you mail in information to unfreeze. Not a timely or reasonable solution.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX  # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Please refer to complaint # XXXX this is my response to the company because their representatives violated FDCPA and TCPA laws. Portfolio Recovery XXXX Associates contacted me many times during the month of XX/XX/2020. I advised numerous times for the company to quit calling and to communicate via US mail. They did not honor such request, and the representatives did not provide me with the address to send a cease and desist letter. The company states that they do not have record of the calls made to my phone number. The reason for this could be that I was called from a series of phone numbers, not just one phone number. The following are dates and phone numbers I that I was contacted by this company after advising that I did not want them to contact my cell phone, and to send information via US mail. I was told that they could not stop these calls until I verified who I am by giving them the last 4 of my Social Security Number ( which they provided XXXX, date of birth, address, and phone number. I was advised on XX/XX/2020, that the company would continue to call until they could verify who I am- this alone is harassment. This is blatant disregard for the law and harassing behavior from this company. This company contacted me each time with an auto dialer, which is a willful violation of the TCPA. On XX/XX/2020, the day that I filed my original complaint, I called the company and spoke to a woman who identified herself as an executive assistant. Once I advised the executive assistant that I was filing a complaint, the calls stopped, but why the harassment for over a month? This company has willingly and knowingly violated my rights under the TCPA and FDCPA and I am seeking compensation for emotional distress, harassment, calling with an auto dialer ( after being told not to ) not sending the information regarding the debt in the US mail, as I requested. I can also request a recordings of these calls because they will provide proof that I advised to contact me by US mail because I am not giving my personal information out to a complete stranger, but this company did, and you can tell if you listen to the phone calls, they provided the last 4 of my SSN and my address trying to confirm who I was. I should also mention that the representatives with this company never provided what business they were calling from, they always said their name and asked my name, last 4 of SSN, and address. 
XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX
Product: Vehicle loan or lease

I filed an online complaint on XX/XX/year> and on XX/XX/year> concerning the Truth In Lending Act ( TILA ) for the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One , National Association with the " Federal Reserve Consumer Help '' ( FRCH ) at www.FederalReserveConsumerHelp.gov concerning organizations that are subject to oversight by federal agencies that enforce consumer protection laws and regulations. The nature of the complaint concerned overstated/understated APR/Finance Charges in violation of the TILA. 

I received an email response on XX/XX/year> from FRCH that combined my separate complaints. What was even more concerning was that the acknowledgement email came from " XXXX '', which is not a .gov email address and I did further research to find out that this is a group at the XXXX XXXX  Federal Reserve Bank . The email reply did not forward my complaint to the appropriate federal financial regulator : the Board of Governors of Federal Reserve System ( FRB ) ; Office of Comptroller Currency ( OCC ) ; or Federal Deposit Insurance Corporation ( FDIC ). Instead, I was referred to this alleged federal agency, the Consumer Financial Protection Bureau ( CFPB ) which is in error, because it does not exist according to 12 U.S.C. section 5491 ( a ), which established the Bureau of Consumer Financial Protection, not the Consumer Financial Protection Bureau. This discrepancy suggests a violation of federal law and my civil rights.

Furthermore, the FRCH referred me to the Federal Trade Commission ( FTC ), despite their stated inability to resolve individual consumer complaints. I was also advised to contact my state attorney general, which is an unnecessary detour given that my complaint should have been forwarded to a federal financial regulator under existing legal obligations. Please ensure that my complaint that I sent to the FRCH gets to the appropriate federal financial regulator instead of to a color of law entity ( CFPB ) that is in violation of my civil rights.
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 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. this lack of transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( 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 seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681a ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating 18 usc 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  They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO get my report from free anual credit report website I only got XXXX Report. Equifax and XXXX kept saying there was an error try again later. Called Equifax and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called XXXX  was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have violated my consumer rights by furnishing inaccurate information on my credit report. 15 USC 1681a ( 3 ) Congress made it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave them permission and they did not exercise their grave responsibility, they were unfair, impartial, and most importantly did not respect my right to privacy. I never provided them with written instructions nor gave my consent for them to furnish any information. I just recently found out that I was a part of the data breach so I am demanding that equifax removes all collection accounts and inquiries from my report. This is totally unacceptable and an infringement on my privacy.
Product: Student loan

PHEAA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to PHEAA along with a notarized affidavit claiming fraud. PHEAA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like PHEAA to close their files which have any information with my name & social on it ...
Product: Credit reporting or other personal consumer reports

You are listing a bankruptcy on my credit report, and I am wondering what method you used to retrieve such information? 
Please note : I am NOT disputing this account. I am only wanting to know which methods you have used to verify such information on my credit file. Please refrain from responding with typical verified responses, I am NOT disputing such information.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly review the documents? A number of the mentioned accounts contain inaccuracies in their reporting and should be promptly eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a shame. I want a current report that I can download and retain. For years I was able to get an annual on-line credit report. Now after I give out all my personal information, I get a standard PDF form that I must send in to get the report. I want to download my most current report and not get a hard copy mailed to my address that is a month old by the time I get it. I do n't want hard copy mailed to me ; I want do download a current version copy. Why do I have to verify all my information on-line if at the end of the exercise I have to complete and send in a hard copy form????? Is this just another exercise to collect data on me????? I do n't want month old hardcopy mailed to me sitting at my doorstep that anyone can pick-up and use to steal from me.
Product: Credit reporting

On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX XXXX entered into a Consent Order with the CFPB regarding their litigation department collection calling practices, resulting in a refund of payments made as a result of these predatory practices. My account, formally with XXXX was settled in full, however, XXXX XXXX XXXX continues to report this as an active collection account. This false reporting is detrimental to my credit score, and it appears to anyone reviewing my credit report that I still owe money, and the account is in an active collection status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, XXXX, and TransUnion. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.
Product: Credit card or prepaid card

I filed credit card dispute with Costco Citi Bank around the end of XXXX related to the four airline tickets that were purchased from XXXX XXXX using Costco Citi Bank credit card and then the Airline cancelled the four tickets due to Covid-19 and never refunded us the money. I indicated in the dispute when we spoke with the dispute department of the credit card that the reason why we are disputing the charges is because the airline cancelled our tickets and did not refund our money and therefore, we paid for a service we did not receive. 
The phone call when I filed the dispute was recorded by Citi Bank and therefore, there is a confirmation to my statement above. 

See attached letter for more explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

When covid first started at its highest peak, my job hours dropped a little and I had to look after a child because schools had closed down. I applied for unemployment XXXX and was approved but later XXXX closed my XXXX and switched to XXXX claim. I recieved my first payment of {$4700.00} on XX/XX/XXXX into my cash app account ( biggest mistake ) and everything was ok until the payment was reversed supposedly on XX/XX/XXXX back to XXXX XXXX XXXX. I talk to XXXX several times and they inform me if the payment was reversed, it would of been reissued into my new account because XXXX stopped issuing payments to cash app because of so much fraud with XXXX at the time. So the issue is where did my money/payment go. I've been going back and forth with cash app along staying in contact with XXXX about the issue for years and still no resolution. I really hope you all can assist me if possible. Enclosed is all the proof, conversations with cash app, all of my deposits and the dates from the XXXX. I also enclosed the last attempt and conversation with cash app on XX/XX/XXXX and no one has reached back out. There is a lot of paperwork I am attaching.
Product: Debt collection

This is a complaint against National Credit Systems, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Product: Checking or savings account

On XX/XX/21, I opened an account -- a " spending '' account with Chime. This is not an ordinary checking or savings account, and as I understand, not FDIC insured. 

I reside in Colorado but am receiving unemployment from NY. I set up my unemployment to go to Chime ( they were offering a bonus for this ). 

The funds were deposited by NY XXXX XXXX XXXX on XX/XX/21. On XX/XX/21, I got an email from Chime saying that my account was suspended snd I was locked out of it for suspicious activity. 

I was asked to send my photo ID, which I immediately did. I called, and they were unable to assist me by phone, but w me that I would hear frim them by email. 

They response ( not acknowledging the ID I had already sent ) again notifying me that my account was suspended, and asked me to send three things -- 1. A photo of my Driver 's license with me holding it. 

2. Proof of my address ( I sent a utility bill ). 

3. My 1099 with my current address from NY XXXX XXXX XXXX. 

I sent all of these documents -- TWICE -- on two consecutive days ( most recently yesterday XX/XX/21 ). 

Today I got a notice that my account had been permanently suspended and will be closed. 

What concerns me is that they also said it is " non-refundable ''. I am very concerned that they have funds of mine which I can not access, and I have not been able to gain assurance that they will be sending me a check for the money that is in my account. 

There are multiple accounts of this abhorrent behavior with Chime, and this is why I am reporting them. What they are doing is just reprehensible. I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX