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

I identified several inaccurate items in my credit report that required immediate attention and correction. I followed the proper steps that I found online which is to send my disputes in writing to TransUnion and XXXX. I have done this at least 3 times within the last XXXX  months and have not received any response. I have also tried to submit this information online but am blocked from submitting my dispute online. As of today XX/XX/2024, I have not received any response from TransUnion or XXXX regarding their investigations into the provisions of 15 U.S. Code 1681 ( unfair credit reporting that may affect my credit standing, credit capacity, character, general reputation, and personal characteristics ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit karma and see I have a hard inquiry on XX/XX/2018 from Credco. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Product: Credit card

I am a victim of romance fraud. In XXXX an ex-boyfriend of mine, XXXX XXXX, asked if I could help him build his business credit. He told me he would use me as a guarantor for a few cards and would make one or two charges then pay the cards off to help build up his credit. I foolishly agreed and gave him my personal details ( ssn, address, DOB, email/pw ). With my knowledge he opened 3 cards ( XXXX, XXXX, and XXXX ). WITHOUT my knowledge he also opened XXXX, Chase and several other cards. He then ran up over {$60000.00} in charges across the cards. He also without my knowledge added me as a registered agent to his business. When I found out what he had done I confronted him. I removed him from all the cards and forced him to start making payments on the cards. He would send me some of the money and I would go on the website and post the payments. In XXXX he stopped sending any money, and stopped making all payments. This was done after another woman was able to get a judgement against him for {$30000.00} that he frauded her out of by cashing a check in her name. 

I filed a police report about the incident on XX/XX/XXXX with the city of XXXX. They were unable to open an investigation because they said the cards and incident occurred when I lived in XXXX, Ny, so all they could do was forward the details to the XXXX, and advised that it would be up to NY to start a case. I flew back to NY to file a police report there but they were unwilling and said this would need to be a civil matter. 

I reached out to both Chase and XXXX in XXXX when this first occurred, and was in touch with them yearly since that date. I have since opened 2 fraud cases with XXXX ( XX/XX/XXXX and again in XX/XX/XXXX ), and 1 with Chase ( XX/XX/XXXX ). All of which were ruled against me. The banks basically told me that in order to have won a fraud case for these cards I would have needed to call them when it first occurred, and not after making payments. I have contacted the FBI to report the identity theft, as well as having my credit frozen in XXXX so he could not continue to use my information. 

I am aware of 2 other women that XXXX has also frauded, as well as his daughter, who he also frauded in the same manner in which he did me - opening 5 credit cards using her information. 

I provided Chase and XXXX the police report, as well as the information regarding the report I left with the FBI and neither institution is willing to help me. They basically told me that because I made payments towards the debt I was assuming the liability. They have both reported the delinquent accounts to the credit Bureuas, bringing my credit from XXXX to the upper XXXX. Neither Chase nor XXXX is willing to help or listen. They call my family members regularly asking for me and saying they are attempting to collect a debt - a debt that I have repeatedly told them is not mine! 

I reached out to all 3 reporting credit bureaus and none of them are willing to remove the negative accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit card or prepaid card

In late XX/XX/XXXX, I received an item which I had purchased through an on-line auction site ( XXXX ). The item was stated " New Condition '' and the website has very specific parameters for what qualifies as " New Condition ''. 
The item arrived in XXXX, and was found to be not new condition as was later confirmed through an email directly with the seller ( XXXX XXXX XXXX XXXX  ). The seller ceased communicating with me. 
On XX/XX/XXXX, I contacted Comenity Bank Mastercard to initiate the dispute. I uploaded a written statement and documentation including screenshots of the website requirements, and the emails with the seller. Comenity bank stated that they initiated the investigation, and would have a resolution within 90 days. I uploaded additional supporting documentation on XX/XX/XXXX. I was verbally advised the amount ( {$1400.00} ) would be provisionally credited and no finance charges would accrue. The {$1400.00} charge did appear on my statement. I called Comenity bank to ask if I should pay this amount despite what I was told regarding a provisional credit. At that time they confirmed I should not pay the amount. As instructed, I did not pay the amount and was charged {$27.00} finance charge on my next statement. When I called back in regarding this charge, I was told that I had been misinformed. ( As a side note, during a conversation with XXXX, a supervisor, on XXXX at XXXX XXXX  she confirmed that finance charge should not have been assessed and she reversed the {$27.00} charge ) On XX/XX/XXXX, I inquired about the investigation and was told it may take up to 60 days to complete. In XXXX, they then changed it 90 days for resolution. There were 6 electronic correspondences in XXXX - none offer resolutions of any kind. 
On XX/XX/XXXX, after XXXX minutes on hold, I spoke to XXXX who simply confirmed the investigation was still in process. On XX/XX/XXXX and XXXX, XXXX, I received electronic responses to 2 inquiries regarding status. Those responses simply stated the investigation was still in process. 
On XX/XX/XXXX I called Comenity, and was again told the investigation was in process. At this time I was informed that it could take " 90 business days '' to receive a resolution. I was also told they are waiting on the seller to " work with them ''. ( Why would a seller voluntarily return money for a mistake he made? He will never cooperate willingly, just like he refused to cooperate with me ) It was at this time that XXXX, a supervisor, realized the finance charge error and credited it back to my account. Per Comenity Bank policy, the amount in question ( XXXX ) should have also been reversed until conclusion of the investigation as well - but it was not. 
On XX/XX/XXXX, XXXX AM I called Comenity bank again. First I spoke with XXXX- but she couldn't answer the questions. So she referred me to XXXX, an account specialist. XXXX forwarded me to XXXX, who said they were still working on the dispute- which was initiated on XX/XX/XXXX! 
Clearly I am being stonewalled. They continue to move deadline dates and hope I quit. 
Thank you for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

( XX/XX/23 ; XXXX ) I received a scam call from the PNC Bank Customer Service Line . They informed there was a fraudulent charge through the XXXX XXXX. I told them I made no charge through XXXX. After activating the XXXX account while on the phone with the scam caller, there was one transaction already made on the app, to XXXX XXXX. Talking further with the scam caller, they informed me that to refute the charge, I had to send {$100.00} labeled as " void '' to be able to refute the first charge. I argued with them on why it needed to be done and they tried to reassure me that they were PNC Bank, but referring to the phone number on the back of my card, stating it matched the number they called me from. Once I confirmed the number, I asked more questions about why I had to send money, and from what was said, it sounded like some of the things the bank told me in a ( XX/XX/23 ; XXXX ) earlier phone call about other fraud charges that resulted closing my card on the same day. I have tried to dispute the charges multiple times ( XXXX XXXX XXXX XXXX XXXX ). On a phone call today ( XX/XX/23 ) was essentially told I am at fault by their Escalation Department and they do not protect scam, even though one payment of {$59.00} was not made by me. I will admit I sent the {$100.00}, as described above was apart of the process in refuting the transactions. Neither PNC Bank or XXXX will help me in receiving my money back, even though I have explained I do not know who the money was given to and I was called from the PNC Bank Customer Service Line. I have also been told that PNC Bank is not affiliated with XXXX, yet they have a personal link to XXXX in the PNC Bank mobile app and receive promotional emails from PNC Bank to use XXXX through their mobile app.
Product: Money transfer, virtual currency, or money service

I needed to pay a vendor in XXXX and entered into a contract with Continental Exchange Solutions , Inc. dba Xe to handle the transaction witch required exchanging USD for euros to be deposited in vendors bank.

XE initially approved my account and provided my with the contract ( attached ) and details for transferring the required funds to their bank. After I wired the money XE revoked my contract bc the bank account I was wiring money from did not have my business name on it. 

I remedied the situation by having my bank update my account to include the business name. On the XXXX I provided XE with my bank statement showing my business name on the account.

XE has not acknowledged the receipt of my wire transfer to their bank. Xe also has not processed the documents I sent on the XXXX despite a message I receive when I log in to their site saying documents are usually processed in 1 to 2 days.

I have contacted XE multiple times to resolve the issue. Each time I am told the will look into it and get back to me. I have yet to hear back from XE
Product: Debt collection

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Product: Debt collection

Received a call from Revenue Group claining I owe California State taxes from XX/XX/XXXX and XX/XX/XXXX. I called Califorina Franchise Tax Board and they told me I do not owe them nor have they send anything to a collection agency. They do n't even use the Revenue Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX ; I requested XXXX look into the above credit inquiries and they conducted an investigation and they completed it on XX/XX/2023 XXXX I also reported these inquiries throught IdentityTheft. gov. These inquiries are still showing up on my credit report when I never applied to do business with these companies.
Product: Credit card or prepaid card

i was a [ plying for hsbc credit card acount and did not have all my information and came back with all my information to apply hsbc co refused to allow me to finish my application and still refuses to let me finish my application with all my information i obtain.?
Product: Credit card or prepaid card

Im disputing a hard inquire that was placed by Capital. I received a pre-approval/qualification to be denied that cause a negative impact on my credit score. I find the offer that was sent to me misleading and false. I would like the inquire removed from all 3 bureaus immediately!
Product: Debt collection

XXXX   XXXX   XXXX  is reporting a dept on my credit report in the amount of {$170.00}.   I am getting harassing phone calls from  REMEX INC. w hich is the debt collection agency that  XXXX   XXXX   XXXX  submitted the debt to. Each time no one would give me any information. I never received documentation from  XXXX   XXXX   XXXX  or  REMEX INC. statin g that I owed {$170.00} or even for what service was provided as the reason for owing.     I found out about the above issue by pulling up my credit information before I recently purchased a vehicle.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding persistent issues with inaccurate information on my credit reports, as maintained by XXXX, XXXX, and TransUnion. Despite submitting multiple disputes regarding the same erroneous items, accounts, and inquiries, these inaccuracies remain unresolved, negatively impacting my financial stability.

The items in question include : 1. Student Loans : I have disputed eight separate student loans that were fully forgiven due to my status as a 100 % Permanently and Totally XXXX XXXX. 


XXXX. Accounts : Erroneous accounts with entities including 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. Hard Inquiries : Over 60 unauthorized hard inquiries, which I have repeatedly disputed as the result of identity theft.

To support my claims, I have submitted documentation, including : FTC Identity Theft Report Number : XXXX Data Breach Identity Restoration Number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies to ensure the accuracy of consumer reports and to conduct thorough investigations of disputes. However, these agencies have failed to fulfill their statutory obligations, leaving me with unresolved disputes and recurring inaccuracies. This failure violates my rights under the FCRA and has caused significant financial and emotional harm.

Furthermore, I draw your attention to recent enforcement actions by your office, such as the {$15.00} million fine imposed on XXXX for failing to properly investigate disputes and reinserting deleted inaccuracies. My experience mirrors the practices cited in your findings, including : Ignoring consumer-submitted documentation, Reintroducing previously removed inaccuracies, and Issuing contradictory and confusing dispute results. 


These inaccuracies have had severe consequences, including hindering my ability to secure financial products and recover from the financial strain caused by identity theft. Despite my efforts to resolve these issues, I have been met with systemic failures by the credit reporting agencies, leaving me with no choice but to seek your intervention.
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). Per the CFPBs lawsuit filed XX/XX/year> ( XXXX XXXX ), Zelle failed to implement measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of insufficient facts directly mirrors the lawsuits allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not a dismissal.
Product: Debt collection

Yesterday, XX/XX/2021, I filed a complaint against this company, Delta Management Associates , Inc. Today, XX/XX/2021, they called the XXXX of my school, his Administrative Assistant, and Human Resources to " verify employment for someone in the XXXX XXXX  Office ''. The Human Resources staff member forwarded me the message left on the Superintendents phone and it was left by a XXXX XXXX, Reference # XXXX, and to return his call immediately at XXXX XXXX. '' While the message was being left, the Admin Assistant to the XXXX received another phone call from woman who wouldn't give her name and wanted to verify my active employment and asked for her to give out my SSN and date of birth. Instead, the HR staff refused and tried to get her name and phone number and then hung up. 
Immediately, my work day was interrupted with this harassment, embarrassment, and stressful situation. I have repeatedly informed Delta Management Associates, Inc that they have the wrong person and our SSN were mixed up, the person they want has a birthdate in XXXX and lives in Minnesota. 
The man and woman of Delta Management were exceptionally rude, not willing to listen, and said they would continue to call until they get the information to collect an outstanding student loan debt of over {$200000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX In accordance with the fair credit Reporting act XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

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

Hi, I am writing the CFPB to report an incident with USAA in regards to unfair and deceptive acts and practices ( UDAAP ) & the Electronic Funds Transfer Act ( EFTA ).  The problem is that USAA misrepresented the available funds in my checking account thus deceiving me into making a payment that was later reordered to appear overdrawn on the account. I am providing a summary of events as follows. I logged in to my USAA checking account at approximately XXXX XXXX CT on XX/XX/2018. I observed an available balance of {$200.00}. I used this information to make a payment of {$200.00} from my USAA checking account to my USAA credit card at XXXX XXXX. I also tested out transferring funds from an external account. Upon review of my checking account, USAA changed the order of deposits and placed the credit card payment ahead of the reported account balance, resulting in an overdrawn balance. I contacted USAA chat to confirm that this must have been an error on USAA 's part. The chat representative ( chat rep )  claimed initially that my balance was never {$200.00}, then later claimed that the deposit arrived after I made the payment & a transfer. I continued to share details & times of the transactions. The chat rep continued to deny. I explained that I would have to escalate the issue to a regulatory complaint. The chat rep continued thinking I was doing this because of " feelings. '' I reminded the chat rep that the chat provided evidence that USAA appeared to using UDAAP to create the appearance of an overdrawn account & refused to correct the problem. The chat rep claimed they would file a complaint on my behalf. I explained to the chat rep again that USAA 's actions would be different from the regulatory complaint I planned to file. Please let me know when USAA can correct reordering payments and deposits. Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've sent multiple dispute letters to Equifax regarding multiple inaccuracies on my consumer report. Despite providing evidence, Equifax has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. 

Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : 1. [ US DEPT ED ] XXXX XXXX. [ US DEPT ED ] XXXX Under 15 U.S.C. 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met.

Additionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete. 

Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. 

Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA & the lawsuit that was filed against XXXX. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Years Citibank said they couldn't find my account. Then I found several frauds. They were supposed to mail me a check 3 months ago. I went to XXXX XXXX branch to confirm address where check was sent and they can not confirm. Branch Mgr XXXX XXXX said she or XXXX XXXX would email me-I can not get through phones and no one is responding via email as they promised. Check should be mailed to same address as CFPB Complaint.