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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX
Product: Debt collection

On XX/XX/XXXX of 2022 Client Services Inc. called me at XXXX from XXXX, I was at work when I got the call and did not pick up. On XX/XX/ 2022 they called again at XXXX from XXXX again I was at work and did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I was at work yet again so I did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I did not pick up. On XX/XX/XXXX they called at XXXX I did not pick up. Up until today when I finally started looking them up I did not realize they were a debt collector I figured it was someone trying to offer me a job. In all this time of trying to contact me over the phone I have not received anything in writing from them about any debt. I prefer to email as debt collectors are not pleasant to deal with over the phone. Not sure why they are calling but, until I get something in writing that shows why they been calling since XX/XX/XXXX which is over the 5 limit for debt validation I will not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.
Product: Debt collection

The original debtor is listed as XXXX. Through previous communications, I understand this is from an account out of Michigan. I have never had a XXXX account and do not live in Michigan. This is not my debt.
Product: Debt collection

Central Business Funding is trying to collect a debt that I do not owe. Spoke with the rude office manager named XXXX XXXX making verbal threats about what type of person I am and I would be sent to a debt collection for {$2400.00}, that I have never made a payment .... This company is a scam and trying to use scare tactics against individuals. I will not be threatened by him or this company. I will not be paying a debt, I never started ....
Product: Credit card

1. Claim Number : XXXX Transaction Date : XX/XX/2024 Reference Number : XXXX Original Transaction Amount : {$180.00} Disputed Amount : {$130.00} I placed an order consisting of four clothing items, of which I kept one ( Ref : XXXX ) and returned the remaining XXXX using XXXX prepaid return label. Despite my providing tracking confirmation that XXXX warehouse received the return package, they have refused to issue a refund of {$130.00}, claiming the items were not received. 

2. Claim Number : XXXX Transaction Date : XX/XX/2024 Reference Number : XXXX Original Transaction Amount : {$460.00} Disputed Amount : {$380.00} This order included eleven clothing items, of which I kept two ( Refs : XXXX and XXXX ) valued at {$77.00} after tax. I returned the remaining XXXX items using XXXX prepaid return label. Despite tracking confirmation that XXXX warehouse received the package, they have declined to refund {$380.00} for the returned items, asserting the items were not received. 

I have been contacting Bank of America regarding these two disputes for five months, repeatedly calling customer service and the dispute team to address the issue. I have reopened my cases three times and provided all requested documentation and evidence, including order breakdowns clearly identifying the returned items, tracking receipts confirming the return packages were delivered to XXXX warehouse, and correspondence with XXXX customer service. These documents were submitted by uploading them through the online portal and sending physical copies via mail. Despite these efforts, the matter remains unresolved, and I have not received my refund.
Product: Credit reporting

I initially wrote in about this earlier last year and the company has yet to reponse. 
TransUnion is listing XXXX bankruptcies on my credit report that do not belong to me. 
I never lived at the addresses where these records are found. I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX since XXXX of this year. Prior to that, I lived at XXXX XXXX XXXX, XXXX XXXX, IL XXXX for 6 years consecutively. TransUnion has been notified of this issue but refuses to remove the erroneous information. They calim they got this information from the courts, but the courts insist TransUnion has gotten this information from a third party, who fails to verify the accuracy of the record. Because of this inaccurate listing, XXXX of my credit cards XXXX XXXX XXXX Bank ) was shut down. This is preventing me from purchasing a home. The attorney recommends we sue TransUnion but this will be extremely costly to my family.
Product: Checking or savings account

On XX/XX/XXXX BOA paid the following billpay BUT did not deduct the funds from my account ( see attached ). This has never happened in the 10 years I've paid bills this way. I have not received any notice stating BOA changed their policy and if I didn't check my account daily, I would falsely think I had more available funds than I really do, thus possibly sending me into negative funds and BOA being able to charge NSF fees. I was on the phone for an hour with rep and she said she could not help me so transferred me to another lady who said she had ti fill out some form, then hung up on me. I called back and the lady refused to transfer me to business bill pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX an unethical collector for XXXX is knowingly reporting inaccurate information and responding to you with misleading responses to get you to close the complaint and they are getting away with publishing inaccurate information as a way to collect on invalid debts. This has to be stopped! They are reporting XXXX Account # XXXX and it has several inaccuracies because it is an invalid debt. I have attached a copy of another creditors response to this complaint that proves the Amount is inaccurate, They are reporting {$1700.00} for a account that XXXX  says was {$610.00} and the dates are inaccurate it says XXXX different opened dates XX/XX/22 and XX/XX/22 and last active date as XX/XX/22 and XX/XX/22 which makes the open date after the active date and I am saying the Debt is NOT mine because I have not lived at that address in 3 years so it is impossible for me to have a cable debt there from XX/XX/22 or XX/XX/22! This is willful violation of FCRA Statute 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 XXXX XXXX, 2016, I received a collections notice regarding a subscription to XXXX. I recently contacted XXXX and informed them that I never applied for a membership or subscription to there magazine nor have I ever received any magazines from them. This payment due is not mine and I am not responsible for this membership.
Product: Mortgage

Lender : Cardinal Financial Company Originator : XXXX XXXX, NMLS ID : XXXX State MLO ID : XXXX Issue : Spoke with XXXX on XX/XX/21 regarding a HELOC option. This was the starting point for my search for a HELOC and needed basic details about their product offering. Asked for general terms, rates, payback period etc. XXXX refused to assist unless I was willing to provide her my personal details so she could verify my credit score. I refused to provide this info as I was only looking for the details regarding her companies HELOC options. She repeatedly attempted to ask for personal details ( DOB, Social, etc. ). I reiterated my intention of not providing this detail until I knew what Cardinal could offer. She advised that if I was unwilling to let her run credit, she could not provide any HELOC details. Call ended and I eventually received a notice of credit denial from Cardinal. 

XXXX XXXX  actions were unhanded at best and her unwillingness to help unless she could verify my credit score was unprofessional.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX - Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the collection for professional depth collection agency in the amount of {$3500.00} to the original creditor XXXX XXXX apartment. Disconnection agency is violation on the fair credit report act. I provided 60 days notice to vacate the premises as indicated on the lease agreement. My lease expired and I moved to a different apartment. No money was owed, nor was final walk through provided. There was no damage to the property. Im also in the process of reporting XXXX XXXX apartment to HUD for charging me fees that I am not responsible for. According to fair Housing laws, they are in violation. Please remove and delete this collection from my Credit Report. The signature they provided is not signature. Ive never received any bill. I found out once I review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Equifax that my report indicated that I was 30 days past due on my account from XXXX XXXX. I immediately contacted XXXX XXXX and explained that my payment from XXXX was missed and not posted to my account and was showing 30 day delinquent. I have NEVER been late and have always paid on time. I spoke with XXXX a representative from XXXX XXXX and she was able to research my account and corrected the error by immediately reversing the late payment charged. When asked about the removal from Equifax, she advised that I had to contact Equifax to remove the incorrect late payment. I am writing to dispute this with Equifax and have the incorrect late payment removed. Equifax is non-responsive in correcting this error. I am asking for immediate action to my claim.
Product: Checking or savings account

Re Citibank Branch, XXXX XXXX XXXX, XXXX XXXX CA Opening teenage son 's account - unauthorized withdrawal of his money to order deluxe checks after we explicitly said he didn't want any checks. 

On XX/XX/XXXX, I brought my XXXX year old son into Citibank to open his account so that he could have a debit card. I have been with Citibank since XX/XX/XXXX and had several accounts with them. 

When we filled out the paperwork for my son 's account which had to be a checking account for him to get a debit card, we clearly explained that we didn't want any checks for him. Despite that, the bank ordered deluxe checks for my XXXX year old and charged his account {$25.00}. 

I have been long dissatisfied with Citibank and this was the final straw that they would rob from a child 's account. On XX/XX/XXXX, I went into the branch to close all of my accounts and my son 's and get back my son 's money they took to buy checks. They dragged the process on and then told me at the end that I would have to come back after XX/XX/XXXX, to get the money as it was a third party vendor. 

I asked as it was the bank that was in the wrong in taking my son 's money in the first place, if they could draw me a check for it and they could then be reimbursed by the check vendor but they refused and insisted I would have to come back to get my son 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America filed delinquency garnish my credit history.

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 XXXX and XXXX to reinvestigate these Bank of America credit card accounts : ending on XXXX and XXXX. However, they stated everything was complete and accurate. But it is the Bank of Americas fault froze my checking account which is used to send automatic payments to both of these credit cards, and then after it froze, it could not make the payment anymore. It caused the late payments. I have the same problem with the XXXX credit card, I paid the balance and closed the credit card. And XXXX is willing resolve the dispute and clear the delinquency. I paid off the remaining balance of the credit card on Bank of America and closed these credit card, but, they are not willing to solve the delinquency even though it is their fault on closing the checking account in the first place. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Credit reporting or other personal consumer reports

I am writing to formally address my concerns regarding your handling of my credit profile. Despite multiple attempts, I have been unable to file a dispute via your website or access my credit report through XXXX. This situation has caused me significant financial and mental distress. 

Your response to my previous complaint was inadequate and failed to resolve the matter. As a U.S. citizen, I have the right to access and dispute information in my credit report under the Fair Credit Reporting Act ( FCRA ). Your actions, or lack thereof, appear to infringe upon these rights and may constitute a violation of federal law. 

It has come to my attention that your organization has faced legal action from the Consumer Financial Protection Bureau ( CFPB ) in the past for similar issues. If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect my rights. 

I request the following actions : Immediate resolution to my inability to file disputes on your platform. 
Access to my credit report via XXXX as mandated by federal law. 
A formal explanation of why my rights have been impeded and the steps your organization is taking to ensure compliance moving forward. 
I expect a written response within [ reasonable time frame, e.g., 10 business days ]. Failure to address this issue satisfactorily will leave me no choice but to escalate the matter legally. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid for car insurance for 6 months in advanced. After 6 months I switched to a different insurance company. The previous insurance company charged me XXXX $ for additional insurance which i think is unfair because I paid them 6 months premium in advance.
Product: Checking or savings account

As stated in numerous prior CFPB complaints against Wells Fargo, I was offered a payment in the amount of {$3700.00} for damages caused by accounts opened by Wells Fargo reps which I did not need or want. Their reasoning for opening these accounts is for bill pay use. Realistically, only one account is needed for bill pay which I had one account opened at the time, Wells Fargo reps used same line, " I notice you make quite a few bill payments, have you considered opening a second account for bill pay '', something along these lines.. I was later offered an additional amount of {$500.00} via phone mediation, no payments received to date. I believe payments were sent to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I moved from this address in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo has replied in part by sending me mediation request forms, which were filled out and later denied by Wells Fargo reps.. They referred to a letter sent to my old address which they claim was signed by myself, agreeing to the {$500.00} which was not received and not adequate. Neither payments were received to date, {$3700.00} or {$500.00}. Further, the form they refer to was sent to old address, not received or signed by myself. Since it was not received or signed by myself, Wells Fargo reps can not refer to it as basis for denying mediation and or issuing payment ( s ) they offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account appears on my credit report. I have taken care of the account with the credit agency. I have contact Experian several time to have the account updated. They will charge it for a while and then it goes back to delinquent. I have sent proof of paying the account. I tried today to dispute it again and now their systems dates they will not review it again.
Product: Money transfer, virtual currency, or money service

I used the XXXX money transfer app because it was advertised in my Wells Fargo app so I trusted to use it to transfer money over in exchange for tickets that I was trying to purchase on XX/XX/2018. However, I did not know there was no protection from scammers or any kind of fraudulent activity. When the person never meet with me to transfer the tickets I realized I had been scammed and reached out to XXXX and Wells Fargo, my bank. You can imagine my surprise when I found out there was nothing they would do. I filed a claim with Wells Fargo and once it was denied, even after the associate I talked to initially made it seem like there would be no problem getting refunded, I contacted them again. They said there was nothing they would do because they don't cover that and to contact XXXX. I told them I already had and that they wouldn't do anything to protect the user. Since Wells Fargo owns XXXX, I thought it was interesting that there was " nothing that they can do ''. As a member of the bank for years I believe I should be protected against scams and fraudulent activity that I was victim to in this situation.
Product: Credit reporting or other personal consumer reports

I just recently checked my credit report and was notified that I've been a victim of identity theft and found multiple credit inquiries on my credit report that i did not initiate here are some of the fraudulent inquiries I was notified of 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 XXXXXX/XX/year> Ive also filed a identity theft report and have attached it below
Product: Debt collection

Today is XXXX XXXX 2017 i Was first contacted two weeks ago by account discovery systems who is working for XXXX XXXX saying i owed XXXX and they would settle for XXXX i asked for written proof i owed such a debt instead he threatened me and said they were in process of garnishing my wages this was the first time i had ever knew about such a debt was never contacted before or had any proof of said debt so i asked for proof in writing he says i sent u a email that i never recieved then i said i never got an email u need to send a letter to my mailbox then he replies so you will pay the XXXX i never agreed to paying anything so a week later i get a letter saying i had the end of month to pay XXXX or deal was of the table it did mention the creditor was XXXX XXXX
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
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 confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX, XXXXXXXX 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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sellers 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 was unfeasible. The cfpbs findings indicate that zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.