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

I have been fighting with the Credit reporting agencies XXXX, XXXX, and Experian for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against XXXX!
Product: Debt collection

I had in my credit for several years a negative item from : XXXX XXXX XXXX : for XXXX XXXX XXXX, for the amount of {$470.00} I tried to get info from the XXXX and experian and no one give me information. Calling by phone is impossible because is automated system. The last time I called was XX/XX/year> to experian.
Product: Credit card or prepaid card

I submitted an inquiry with Chase for my Marriott credit card. They continue to decline a transaction my gym is attempting to pull. I have a large credit limit and always pay my bill in time. Quite frankly I am disgusted with their customer service. My first inquiry was submitted on XX/XX/XXXX, they acknowledge and then forwarded on to another department informing me I would hear back in 3 business days. They never responded, I had to follow up on XX/XX/XXXX. After my follow up they sent me another email that stated they would respond within three business days. They completely blew off my request and havent addressed anything. I then responded with a request to escalate and requested a response from a supervisor. I also repeated my request to resolve the concern. They then responded and said they were researching and would respond in one business day, they did not. They also never addressed my request to escalate. Then, yeSterday, they sent me an email that said they posted a letter and closed my inquiry. Chase closed it because they didnt have enough information but they NEVER even asked me for additional information. Now, I have to start over with an incompetent customer service. I am highly disappointed in their service, I still have an outstanding issue and will now need to spend an additional god knows how long to resolve the issue meanwhile likely having to incur double charges because of their incompetence. Please escalate or add to their overall concerns of Chases ability to service their customers and resolve anyones concerns.
Product: Credit card or prepaid card

The website to pay bills is dyafunctional well over half the time I try to pay. It seems intentionally difficult to log in and get bills paid. This company not investing more in maintaining critical payment infrastructure in this day and age is an utter disgrace and can only be explained by malicious intent on their part to make customers miss payments and then be able to charge penalties and interest. 

The blame for I don't know how many cases of missed payments probably lies upon Synchrony and their terrible system, with purposeful roadblocks thrown up to prevent easy repayment. The fact that they can make money off of this is absolutely infuriating.
Product: Debt collection

Recently received a COLLECTION notice from this company, using a intimidation by placing a negative remark on my credit reports to force me to pay a debt that I never signed for, with their company OR their client. I have already made a complaint to the Pennsylvania Attorney General and contacted my attorney under the Fair Debt Collections Practices Act And The Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX XXXX, a special offer appeared on Citicards for the Citi Thank You Preferred Card. The offer was for XXXX bonus points after making {$0.00} in purchases within 3 months of account opening. The typical offer is XXXX bonus points after making {$1500.00} in purchases within 3 months of account opening. So the improved offer certainly did n't seem out of the realm of possibility but rather seemed like a limited time offer that I wanted to take advantage of. I applied for the card and was approved instantly. 

After being approved, reports started to circulate around the internet that Citi representatives were informing card applicants who called that the offer was a mistake and that it would not be honored. 

I also chatted with a Citi agent online who informed me the offer was a mistake. 

Whether it was a mistake or not is irrelevant here. I went to Citi 's own page, the offer was clear as day ( I took a snapshot and will attach in this complaint ), I applied for the credit card based on the offer and was approved. It can not be that a credit card company changes the offer after an applicant applies for and receives the credit card. It is outright fraud and the credit card company must honor the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Auto Loan through XXXX XXXX and have noticed inaccurate late payment reporting 's on my credit report. Upon finding these discrepancies I immediately disputed the late payments through the credit bureaus individually that reported incorrectly and no correction was made. Per section 312 of the Fair and Accurate Credit Transaction Act it is required by law to issue guidelines for furnishers regarding the accuracy and integrity of the information about consumers furnished to consumer reporting agencies ; prescribe regulations requiring furnishers to establish reasonable polices/procedures to implement the guidelines ; and issue regulations identifying the circumstances where a furnisher must reinvestigate a dispute about the accuracy of information in a consumer report based on a direct request from consumer. Furthermore, my rights were violated after requesting an investigation to rectify these inaccurate reporting 's and no changes were made. 
Listed below are the following incorrect reporting 's listed on my credit report that need to be corrected to appear as On Time Payments. 

XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( Rated X )
Product: Debt collection

On XX/XX/2023 I received a letter in the mail from debt collector Carl Brugnoli, Esquire about a debt of {$3300.00} to XXXX XXXX, XXXX. 

The letter states that the office of Car Brugnoli has a capias warrant for my arrest if I do not contact their office and make payment within ten days.

This is my first contact with this office and no other information regarding my rights to information or option to dispute was given. The initial debt is from over 20 years ago and I have not heard anything about this debt or made payments in over 10 years. This debt is undoubtedly time-barred and I have not been served nor failed to appear in court to justify the capias warrant threat. This letter is most certainly a scare-tactic with the intent of partial payment to to renew the case from being time-barred and legal leverage.

Furthermore, with this letter being the first and only contact with this firm, the attorney neglected to inform me of my rights in the matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
My SSN # XXXX. Date of Birth is XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting or other personal consumer reports

I am filing this complain regarding an inaccurate item on my credit report that continues to negatively impact my credit, despite my efforts to resolve this directly with reporting agency it remains unresolved this directly. I request immediate investigation and removal of these items as it is incorrect and dont not reflect my true credit history
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I got money sent to my Vemmo account. On the same day, I initiated the transfer from my Venmo account to my bank account which was {$150.00}. Right after I initiated that transfer, I got an email saying that my account was suspended for unusual activity and was unable to complete the transaction and I needed to send an ID verification. I sent that right away. On XX/XX/year> I chatted with someone from Venmo 's help team in which they said that my account was frozen and it needed to be evaluated by a higher up. I had asked why but they had ended the chat. On XX/XX/year>, someone got back to me and said my account has been unfrozen. On XX/XX/year> i tried to transfer the money from Venmo to my bank account again of the {$150.00}, and right away I got another email saying my account is suspended.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding Experian 's handling of my credit information, which I believe violates the provisions of 15 U.S. Code 1681s2 ( a ) the duty of furnishers of information to provide accurate information under the Fair Credit Reporting Act ( FCRA ). 

I have identified several instances of inaccurate personal tracking information and unauthorized credit inquiries on my credit report, and despite my efforts to dispute these inaccuracies, Experian has repeatedly updated the information as verified without providing any proof of such verification. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bankruptcy : XXXX XXXX  Bankruptcy, XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Following Accounts : 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 XXXX XXXX I have requested proof of the verification process for the updated information, particularly regarding the unauthorized credit inquiries and alleged bankruptcy, but Experian has failed to provide any documentation. I am concerned that this violates the duty of furnishers to provide accurate information as outlined in the FCRA. 

In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into Experian 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached copies of relevant documents supporting my dispute. 

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

At this time XXXX XXXX XXXX XXXX and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to NATIONWIDE RECOVERY SERVICES both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days XXXX and with PROOF of PARAMOUNT RECOVERY SERVICES has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccuracies in the account information listed under account number XXXX on my credit report. Despite your initial investigation, the information remains incorrect, and I respectfully request a thorough reinvestigation. 

The discrepancies in my credit report are as follows : XXXX XXXX : The report indicates a charge-off ( CO ) status for each month from XXXX to XX/XX/year>. Please verify the accuracy of these charge-off statuses, as they do not align with my payment history records. 
Status : The status is listed as " Paid, Closed. {$250.00} written off. '' This does not match the original balance of {$150.00}. Please review and correct this discrepancy. 
Original Balance : The original balance is shown as {$150.00}, yet the status update mentions {$250.00} written off. Please verify and correct the original balance. 
Last Payment Date : The report lists the last payment date as XX/XX/year>. Please confirm if this date is accurate, as it does not correspond with my records. 
I have enclosed additional documents to support my claims, including [ list of documents, such as account statements or correspondence with the creditor ]. I request that you reinvestigate these discrepancies and update my credit report with accurate information. If you are unable to verify the accuracy of the information, I kindly ask that you delete the incorrect items from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of these inaccuracies.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 : An individual posing to be Wells Fargo from the Wells Fargo number contacted me, claiming that {$3500.00} was taken out of my account. They then proceeded to have me send " myself '' four payments ( {$1000.00}, {$950.00}, {$800.00}, {$750.00} ) through XXXX. They also tried to have me wire transfer myself {$17000.00} before I realized it was a scam. At which point, I immediately contacted Wells Fargo that evening to file a claim. 

Since then, I have been in regular contact with the bank in an attempt to retrieve my money. I had to submit two different claims processes, which is why the timeline is so long. Each claim needs 10-15 business days to be investigated. On XX/XX/2022, I received provisional credit from the bank, which was reversed on XX/XX/2022, an entire month and a half after the credit was added to my account. It has been an extremely difficult process, and, as a longtime customer of Wells Fargo, I am very upset. They have also had me close my checking account and open a new one when all I want is to retrieve the funds that were unfairly taken from me in an UNAUTHORIZED TRANSFER. 

I communicated to them that I am protected under Regulation E, to which they have responded that they have no knowledge. For reference, I have included the excerpt from the CFPB website below.

" 5. A third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account. Does the transfer meet Regulation Es definition of an unauthorized EFT? 

Yes. As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX  company.

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.
Product: Mortgage

I have a mortgage restructure though BofA because of the federal DOJ restructure order because BofA got convicted of Mortgage fraud. One of the conditions of that is that the house must be lived in by a select group of people ( me ) and the house is not habitable due to extreme mold/water damage. The bank has made offers of programs and then not followed through and when I try to contact them, they transfer me to every department and I spend hours on the phone each time. The offers where to 1. use the special hazardous claims department to up to the amount of the principle on the mortgage to either pay off the loan or to use that funding to replace/fix the home. 2. to pay for the home to be fixed/replaced and put the amount at the end of the loan at the DOJ restructure payment amount and principle amount ( extend the loan time frame ). they were suppose to have a mediator contact me again on XX/XX/XXXX ... they have once again missed their scheduled time frame and when I try to call them they do n't return my calls ... this type of behavior I call them they transfer me all around to people that have no clue and then make appointments they do n't keep, they schedule call times and do n't keep them so I end up waiting all day for them to call, I call them after they miss their scheduled appointments has been going on for years. At this point instead of dealing with what they agreed to do they have instead turned the account over to foreclosure and have stopped contacting me even when they make the appointments for them to call me. I am trying to work with them. I have filed a DOJ complaint but even that, the Bank makes appointments ( XX/XX/XXXX ) and does not keep them and when I try to call and leave messages for them they do n't call me back.
Product: Credit card or prepaid card

I am receiving letters from credit card companies saying that they're declining my application for their credit cards even though I have never applied to any credit card companies recently. I only own XXXX credit card and a debit card. However, multiple cards are trying to be opened in my name. These letters I receive say, " we need more information to approve your application, '' " we are declining your application because we believe someone is using your information fraudulently, '' or " we need to confirm your total amount of income. '' So far, I have received XXXX letters from XXXX XXXX, American Express, and XXXX. I have no current or past accounts with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I first brought these fraudulent accounts to your attention on XX/XX/year> following which I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX with XXXX in XX/XX/2017. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to Equifax, there was a hard pull from XXXX on XX/XX/2017. I called Equifax and was told that I had to call XXXX  to remove the inquiry. I called XXXX  at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.