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

I bank with Chase, all my bank accounts are with them and Chase reported a late payment to my credit, this was a mistake. 

This all started when my car got broken into and my purse was stolen from my car, the thieves used my credit cards and checks to commit fraud, Chase closed and re issued my bank account and credit cards, before this happened my accounts were all set up on automatic payment and my bank statements were set up paperless, after chase reported a late payment to my credit I found out that they reissued new accounts but never linked the services properly as I had before the robbery. One of my credit cards got a charge from XXXX  of {$30.00}, since I was under the impression that I had automatic payment I just trusted that the balance would be paid, this did not happen. After the balance was past due over 30 days, chase contacted me to tell me I owed a balance, I paid immediately, they still reported the late payment to my credit. 

I contacted Chase 's credit reporting department, they read all the notes of the robbery, they even saw that notifications of my monthly statements were not even coming into my email as their system shows that emails are being rejected by the server for some reason, I showed them that I paid on immediately when I was notified, they saw the balance on my personal checking account and business checking account, still, this was not enough for them to remove the late payment report. 

I am in the process of refinancing my home, my credit dropped by 40 points because of Chase 's negligence and this is affecting me tremendously.
Product: Money transfer, virtual currency, or money service

Hello I am a seller on XXXX on the side and all of my items have great feedbacks from my buyers never a problem. But paypal decided to frozen my account for no reason. I have contacted them many times to recover my account I even provide the information they needed it. Spoke to 4 different representatives and each have give me a different story and one of them told me my account would be back up and running again in 24hours which was not truth. Finally today XX/XX/2019 I call them again they not even trying to call or give me updated unless i call them to tell me they are closing my account and my funds will be held for 180days for no reason. They could not give me no reason. I really need my funds to pay off my bills. PLEASE I NEED HELP WITH GETTING MY FUNDS FROM PAYPAL. THIS IS WRONG I HAVE DONE NOTHING WRONG THIS HAVE {$740.00} Of MY FUNDS ON HOLD
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX.
Product: Credit card or prepaid card

I am a cardholder of a TD Bank NA credit card. In XXXX I received an offer in the mail to transfer card balances to the card for a 0 percent interest offer, which I did on XX/XX/2020 via the bank 's on-line portal. I transferred balances from an account charging me 8 % interest. Once transferred I saw the balances at TD bank were being charged 18 % interest. When I spoke to TD Bank I was told that the balance transfer offer I'd received in the mail was only for people if they opened a new credit card account. Why was I being sent misleading balance transfer offers for new account holders only when I already have an account. These offers continue to arrive in my mailbox. I was misled into thinking I was receiving an offer on my existing account and am now paying 10 % more interest than before THANKS TO TD 'S  MISLEADING MARKETING PRACTICES. They should not be sending new low interest offers when you open a new account to existing customers. They are not exhibiting due care. TD bank refuses to reverse the balance transfers or address the high interest issue. Furthermore at the time I transferred the balances and received a confirmation vis TD 's on line portal, there was zero indication that this transfer was not a 0 % balance transfer and that the interest charged would be at full rate, in which case I would have aborted the transfer. Again totally misleading. Trying to get people to transfer balances thinking it is a low rate when it is a high rate.
Product: Money transfer, virtual currency, or money service

I had lost my phone while on vacation. I thought it may turn up in my Rv. Till I noticed a message on my tablet that {$2700.00} was transferred to someones account. I notified cash app immediately and told them I had lost my phone and somehow someone was able to do this transfer. I told them to freeze this guys account till they figure it out. They did nothing. Took the complaint and then notified me that I had done it or someone I authorized to do it. And thats not true. I made a police report. I contacted cash support again. They informed me theres nothing more they can do. Theyre not a bank. Theyre not subject to rules and regulations of a bank and hung up on me.
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. Dispute 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 were 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent several letters disputing items on my Experian Credit report to include late payments, medical debt collections, and HIPPA violations. Experian is supposed to provide detailed information on how they investigate and validate these claims and I was supposed to get a response in the mall within 30 days including an updated copy of my credit report. On XX/XX/XXXX, I received an email from Experian that everything I disputed was verified. Yet I received no information on how they achieved that verification. No information of any kind to substantiate their claims of verification was included. I do believe this is their normal response anytime anyone tries to dispute something on a credit report in hopes that people will simply give up. I tried twice, once on their actual website, and then again by mailing certified letters. I am attaching copies of the letters that I sent to Experian. I am also attaching the receipt from the certified mailing notice.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Clarity Services Inc, as they have failed to address a dispute I submitted over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, a consumer reporting agency is required to investigate disputes within 30 days. However, despite my repeated efforts, clarity services inc has not fulfilled its obligation to investigate or correct the disputed information within the legally mandated timeframe. I urge the CFPB to take action to ensure compliance with this law and resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

This letter serves as my final follow-up regarding the unresolved disputes on my credit report. Despite multiple attempts and ample time for resolution, I have yet to receive a satisfactory response.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am a 60 % XXXX veteran. 

I received these services while hospitilized in a hospital far from a VA hospital and could not be transferd to the VA hospital. It was an emergency hospitilization. 

I had previously notified the VA about this.
Product: Credit reporting or other personal consumer reports

I've reached out to Equifax and XXXX with updating and deleting old addresses. I've sent by mail ( certified ) with supporting documents ( lease agreement, Drivers license, and utility bill ) stating my updated address. Nothings changed on my credit report. I've mailed out my documents mid XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that XXXX and XXXX would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show XXXX and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT 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 XXXX XXXX XXXX. XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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: Debt collection

I received a phone call yesterday XXXX from CRG representative who stated the she was calling let me know that I was being sued and that she had information regarding the current lawsuit with XXXX county court of collections or something of that nature. I asked who was calling and she we are with court regarding a lawsuit filed against by credit one. She asked me if I knew about the lawsuit I said no. She then told me about my history with card, I then said to her just to let you know this call is being recorded. She then hurried up and said, that this was an attempt to collect a debt. When I told her she violated my rights by threatening, and abusive behavior she lied and said she never said anything about an active lawsuit. I then told her that was against the law and I would file suit, she would take me off of the list. I then asked for the companies name, and address and she refused to give it to me. I then repeatedly asked for a supervisor and she gave me the information but I'm not sure if the information she gave was correct.
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. 
has violated my rights. 

Name of Account Account XXXX. Balance XXXX XXXX XXXX XXXX XXXXXXXX {$630.00} Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX {$5700.00} Unverified Account XXXX XXXX XXXX XXXX XXXX {$2500.00} Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX {$6100.00} Unverified Account XXXX XXXX XXXX XXXX XXXX {$2700.00} Unverified Account XXXX XXXX XXXX XXXX Account XXXX Date XXXX Original balance {$4700.00} XXXX XXXX OF XXXX Account XXXX Date XXXX Original balance {$500.00} XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX Date XXXX {$4700.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # 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 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

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First, let me say that this is so exhausting. Not only have I sent supporting documents but I have spoken with several representatives at Experian about a tax lien that they ( Experian ) went out and found in public records and was not even reported as I have been told by, XXXX County Court, that this account is no longer valid and has been satisfied. Both XXXX and XXXX has removed the negative mark but old Experian just seem to want to hang on to it. I want this, TAX LIEN, removed immediately or I will be forced to seek any legal assistance to make it happen. I am tired and will not keep waiting for the same results ( Remains ). Please ask Experian to properly investigate and remove this bogus item from my credit file. I do not have any balance owed to, Georgia Department of Revenue ( Tax Lien ) and I have sent state approved letters showing execution and Experian will not remove the item ... .why?
Product: Mortgage

Citizens Bank offered me a compelling rate to refinance the mortgage loan I have with them. After confirming they locked in the rate, the mortgage broker claims he made a procedural mistake on the timing of the appraisal payment, which resulted in the bank failing to honor the locked rate. The bank did not offer compensation or keeping the locked rate as a courtesy, despite several confirmations from the broker the rate lock was active. Worse, as mortgage rates climbed significantly in the interim, the new rate is significantly higher, translating to an additional charge of {$12000.00} per year.

The mortgage broker details are as follows : XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX citizensbank.com
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX  XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX ....
Product: Money transfer, virtual currency, or money service

hey so Ive been using the service cashapp for as long as I can remember & at first it was very convenient & useful but over the past few years Ive had numerous unexplainable fraudulent transactions on my account ( s ) that resulted in my accounts being closed without any reasonable explanation. I then reached out to customer service & had no resolution to why they closed my account ( s ). I had about 4 cashapp accounts & every single one of them was closed & was overly withdrawn.