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

Sent a dispute to Experian asking for physical evidence of accounts in my file that I have no knowledge of and they ask me for written documentation? HOW AND WHERE DO I GET DOCUMENTATION ON ACCOUNTS I HAVE NEVER SEEN? According to the FCRA, I am allowed to request this information and yet I am denied, asked for information that I need to pull out of thin air. They obviously are shirking their responsibilities and greeting paid by these creditors or just XXXX.
Product: Checking or savings account

all i did is just deposit a insurance claim check to my checking account, on XX/XX/2018 i deposit the two checks from our insurance company thru ATM. 
two days later we got those check mailed back, the reason of returned is the endorsement are not acceptable for deposit. So I called Chase customer help line, they told me because i deposit thru ATM it is not clear to verify the endorsement so go to bank teller and deposit again. so i tell my wife to do that, and she called me our XXXX XXXX teller will not accept the checks because the checks were issued to business name on it ( the check payable to XXXX XXXX & XXXX   company name & my name & my wife name on it ), so i called the chase customer claim dept and told them what is going on and they told me it is okay to deposit if there was correct endorsement on it which is it is. and they told me to try other location. so my wife went to other location chase bank branch and they accepted the deposit. on the way home, my wife stop by the XXXX branch and complained the teller who did not accept the deposit. and few minutes later the bank teller who accepted the deposit called my wife, and told her the deposit will be returned.so i called the branch manager at XXXX XXXX tried solve the problem, but it was not works, so i got in to online banking site and tried transfer money from my saving account to checking account for covered money i already issued the check to my XXXX and it was not able to do that.i called the chase bank customer help line again and found out my account is restricted by the XXXX branch. 
so i called XXXX  branch and asked the branch manager what is going on and she told me my account was restricted by her branch but not by her because i tried deposit the check to other location after she told to my wife it was not able to accepted.. 
I was so mad because i explained the whole story what was going on and my account was restricted, so told her " are you XXXX kidding with me? '' and she yelled to me " you know what i will closed your account '' after we got argument and i realize it i have tax return money on the way and lot of bill already made payments by this account. this was our only banking account. so i apologized to the branch manager and she accepted it. and she will help out to pay my bill while my account is restricted. 
so i went to bank branch and closing my saving account and transfer money to my checking and also closed my kids saving & checking account. because after i found out my account was restricted the chase bank head office can not do anything about what it happened and not be able to help me out. and today i checked my online banking there is no record of direct deposit from my work, so i called the customer service dept. of chase bank and finally i found out my checking account will be closed requested by branch manager. even without any notice to me.
Product: Credit card

Made a transaction of {$250.00} with my AppleCard ( Goldman Sachs ) for an electric vehicle reservation with XXXX on XX/XX/year>. On XX/XX/year>, per the XXXX terms and conditions, requested to cancel the reservation and receive a refund. XXXX replied with a promise to provide a {$220.00} refund ( {$250.00} minus {$25.00} processing fee ) on XX/XX/year> to the original form of payment ; however, no refund has been provided as of XX/XX/year>. I contacted Goldman Sachs / AppleCard Support and submitted a dispute. Unfortunately, Goldman Sachs has done no investigation, instead they simply close the dispute. When contacting customer service, I am promised escalation, to be contacted directly by the dispute claims department and to receive merchant information regarding their response to the dispute ; however, none of these activities take place. Instead, I receive an automated email indicating the dispute is closed. 

XXXX has promised a refund per their terms and conditions and are withholding my money ( {$220.00} ) ; worse Goldman Sachs has taken no action to support their customer in securing the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached Dispute was provided and ignored. 

Proof of identification from Category 1 Social Security Card and Category 2 Drivers License was supplied and ignored in previous dispute request. The previous submission is attached. The Category 1 AND CATEGORY 2 PROOF IS INCLUDED IN THE LAST PAGES OF THE LETTER AND ATTACHED TO THIS COMPLAINT. 


THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX/XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX/XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$1000.00} Creditor : XXXX   XXXX XXXX - Account : XXXX BALANCE {$8500.00} Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$3500.00} Creditor : XXXX XXXX XXXX - Account : XXXX BALANCE {$2400.00} ( DUPLICATE ) This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two dispute letters to the Experian company about the information that is being reported. I have stated in my letters that my name and address are as written on the letter. They have refused to remove the inaccurate information that I have stated is wrong. The first letter was sent on XX/XX/2023, and the second letter was sent on XX/XX/2023. Photo that was uploaded as evidence is a credit report with the date of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus and XXXX XXXX  is showing the incorrect balance. This loan was paid off the balance its {$0.00}. The incorrect amount is reporting
Product: Credit reporting or other personal consumer reports

I was completely blindsided this morning when I discovered inaccurate accounts on my credit report. I check it regularly and everything was always fine, but today there were discrepancies I just couldnt explain. I even refreshed my browser, hoping it was some kind of mistake, but the inaccurate accounts stayed. Im requesting a detailed review of the documents Ive submitted so I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, banking systems are to insure accuracy and fairness of credit reporting. The report of 30 and 60 days delinquent on XXXX and XXXX of 2022 by Atlantic Capital Bank is erroneous. 

Furthermore... 

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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

No mail was delivered to consumer not later than 21 days before the payment due date
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE THE ILLEGAL FRAUDULENT HARD INQUIRIES ON MY PERSONAL CONSUMER REPORT WITH THE CREDIT BUREAU EQUIFAX I HAVE MADE AN FTC REPORT # XXXX SUBMITTED ON XXXX. 
I MADE ANOTHER COMPLAINT ON THIS SAME MATTER TO EQUIFAX ABOUT THESE SAME ILLEGAL HARD INQUIRIES THAT WENT UNRESOLVELED. 

THIS IS THE SECOND TIME FILING AN FTC REPORT AND A SECOND C.F.P.B. REPORT ON THIS SAME MATTER!

EQUIFAX IS CLEARLY IN VIOLATION OF THE F.C.R.A. 15 U.S.C. 1681
Product: Mortgage

In XXXX XXXX, I started a deed in-lieu of foreclosure process with my original mortgage company, XXXX mortgage, due to being XXXX XXXX military and PCS'ing. As of XXXX XXXX, I was told the process was complete and just waiting closing. In XXXX XXXX, I discovered ( due to a delinquent alert on my credit report ) that my loan had been sold to Loan Care, LLC., and that I was now behind on payments. I promptly contacted XXXX XXXX who proceeded to tell me I would have to start all the paperwork over again. I completed the paperwork and sent the signed and notarized documents back to them in the XXXX XXXX timeframe. On XXXX XXXX, XXXX, it was reported to the VA that the deed in-lieu of was in the closing process. Since then, I have not received any closing paperwork or any finalization, and multiple attempts to contact the company have resulted in a run-around of being told the process is complete and they are unsure why it is still being reported to the credit bureau. On XXXX XXXX, XXXX the VA was able to see notes updated in the system saying the loan was closed. From there, my VA rep and I both attempted to contact the company for further information. The VA rep still has not received any response to her emails, and I was told on XXXX XXXX, XXXX that a letter had been sent to the credit bureaus to correct all data. On XXXX XXXX, XXXX, I contacted the mortgage company again to find out why no updates have occurred yet. I was transferred to a supervisor who told me that she could not see any of my information or notes in the system because " it was the wrong department '', and that she would email the POC and his supervisor with my information to return my call. I have left messages with the POC several times in the past and have never received a call back from the company. I still have not received any paperwork showing that the process has been finalized, and the credit bureaus still have not been updated to remove the delinquencies to fix my credit score. I also need the VA to receive all the final paperwork as well to restore my VA benefits. This process has been ongoing for a year and, due to my loan being sold and being unable to contact the right POC, still has not been completed or resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian and XXXX Credit Bureaus ignored FCRA section 605b and continued to report the disputed queries on my credit report in addition to rejecting my requests for the removal of the unlawful inquiries. From XX/XX/XXXX to XX/XX/XXXX, I sent the credit bureaus numerous written appeals, but despite all of my efforts to have my credit file corrected, the credit bureaus seem to enjoy seeing consumers in difficulty. My legal counsel has been alerted of the situation, and they are ready to work with me to file a lawsuit and impose a fine on the credit bureaus to make up for the actual losses caused by their negligence. Since these inquiries were the result of my identity being stolen, the Credit Bureaus are compelled to delete the disputed ones. The following inquiries should be deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My husband and I made our first payment for this vehicle XX/XX/XXXX. On XX/XX/XXXX I made a phone call to Santander Consumer USA, a customer service rep stated that we changed our billing date on XX/XX/XXXX. I would like live physical proof of this and If their was any changes made the fact that my maturity date would be pushed back was never disclosed to my husband and I. Our maturity Date went from XX/XX/XXXX toXX/XX/XXXX. Their will still be a balanced left over after our maturity date. Which is n't right my husband and I pay our car note on time and we also put a little extra towards our bill. I made a payment of {$280.00} on XX/XX/XXXX and my receipt through XXXX XXXX Online system states that the payment will and has posted onXX/XX/XXXX the company has on file that the payment was made on XX/XX/XXXX meaning that most of the payment went towards the interest and not toward the principal balance. I also paid my bill the same way this month the same way. I made the payment onXX/XX/XXXX on the XXXX XXXX XXXX as well. I snap shot my receipts for proof and have them backed on google I also trace my payments through my bank as well as XXXX XXXX. We have a balance left over of XXXX which really we should have a balance of XXXX left over maybe a little less because our our original monthly payments were XXXX for next month our car note due on XX/XX/XXXX is XXXX.
Product: Credit reporting

The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. 
I have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 CFPBs 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my identity was leaked in a breach including address, name, social and bank account info. I contact said credit bureau and made them aware of the situation and proceeded to dispute, a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/year>. My ftc report # XXXX the following account is fraudulent and was opened without my knowledge or consent XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted the debt collection agency, ARS Account Resolution, XX/XX/2022 around XXXX pm EST, asking about 4 collections that appear on my XXXX credit report. I did not know where these debts came from but I was looking to settle them because they were so low in price. The debt collector could not find 3 of the debts and didn't have any recollection of 3 of the debts. They were only able to locate one of the debts that I paid. They are scamming me. They gave me two numbers to other companies who were clueless about the debts ARS claimed I owed.
Product: Credit reporting or other personal consumer reports

Dear EquifaxXXXX I am writing to address concerns regarding the handling and sharing of my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) and related statutes. As outlined in the FCRA, Section 602 ( a ) emphasizes the necessity for consumer reporting agencies to conduct their responsibilities with fairness, impartiality, and a commitment to preserving consumers ' right to privacy. 

Both Equifax and XXXX operate as consumer reporting agencies, and as a consumer, I wish to assert my rights to ensure the confidentiality of my private information. Section 6801 of the FCRA underscores the obligation of financial institutions, including entities furnishing information to credit agencies, to uphold the privacy and security of customers ' nonpublic personal information. It is crucial to note that the entity in question falls under this definition as a financial institution.

Moreover, Section 604 ( a ) ( 2 ) of USC 1681 specifies that consumer reporting agencies may furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Neither the aforementioned financial institution nor the consumer reporting agencies, Equifax and XXXX, have obtained my explicit consent to furnish this information. Any form of consent, whether express or implied, previously given to Equifax, XXXX, or the entity providing information to credit agencies, is hereby revoked. 

Section 6802 ( b ) ( c ) of the FCRA mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise nondisclosure. Regrettably, I was never provided with information about my right to exercise this option.

Furthermore, Section 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency can include certain adverse items of information in a consumer report without proper authorization. The inclusion of such information without my consent violates this provision of the law.

In addition, Sections 1681s2 ( A ) ( 1 ) and 1681e necessitate consumer reporting agencies to maintain accurate information and implement procedures to prevent violations of the FCRA. It appears that Equifax, XXXX, and XXXX may not be upholding these standards, as indicated by the concerns raised.

I urge your immediate attention to rectify these issues and ensure compliance with the Fair Credit Reporting Act. I request confirmation of the cessation of sharing my information and an update on the corrective measures taken.

I Demand These Credit Reporting Agencies Lower The Utilization Of All My Credit Card Product ( s ) Balances To Be Shown As 0 % Utilization Effective Immediately. It Is Causing Me Emotional Distress, Physical And Mental Pain. I Also Demand These Credit Reporting Agencies Do Not Stall Me By Asking For XXXX  Day Extensions As I Am Acting In Good Faith. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX  ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to help investigate why the three credit bureaus Transunion, XXXX, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.
Product: Checking or savings account

On XX/XX/2023 between the hours of XXXX and XXXX my wallet was stolen from my unlocked car in the parking lot of XXXX XXXX XXXX XXXX XXXX RI . Four debit cards from Citizens Bank and three credit cards were stolen. By the time I realized I had been robbed all four of my Citizens accounts were completely drained of every dollar. All four accounts were overdrawn. A merchant by the name of : XXXX XXXX XXXX had continuously charged all four of my accounts until every account was empty. 

Of course, I immediately froze all of my accounts. I went to my local Citizens Branch and one of the managers submitted four official fraudulent cases, one for each of my accounts compromised. 

After ten days Citizens accepted two of the four fraud complaints and returned my money, but they did NOT accept the fraud complaint for the other two accounts. This arbitrary and incorrect decision was made in spite of the fact that the *same fake merchant* robbed all four accounts with very similar dollar denominations. It is so clearly and obviously fraud on all four accounts. 

I submitted a complaint to Citizens and asked them to reopen the unaccepted cases to see that the same fake merchant had wreaked havoc on *all four of my accounts* during the same timeframe.

There is no way that two of the cases are fraud while the other two are not.

It's the same fake merchant in the same time frame draining all four accounts until I had no money left.
Product: Student loan

My student loans, and those of my husband, have been on the XXXX plan since the fall of 2023. I have made regular on-time payments per the terms of XXXX the entire time. Last winter, during a routine check, I noticed my loan balances had grown. The Dept. of Education website on the XXXX plan states that due to the interest subsidy, balances should not grow as long as I make payments. I messaged Mohela and was told I had to call them ( they won't answer in writing ). I have NEVER been able to get through- they always have horrible hold times. 

My husband found the same problems with his loans this summer and was actually able to call them. They told him that the only accounts to receive the subsidy are those who qualify for a {$0.00} payment. This goes against the information on the studentaid.gov website, which states : " The XXXX XXXX has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the XXXX XXXX prevents your balance from growing due to unpaid interest. '' This information is also given in CFPB Complaint # XXXX ( for my husband 's complaint ).