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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The calls started in early XX/XX/XXXX and I didnt speak with them until XX/XX/XXXX.

On XX/XX/2018 at XXXX, I received a call from XXXX XXXX an Account Manager from XXXX XXXX , XXXX . She explained a debt was placed in their office. THe debt that was placed in their office was originally held with the XXXX XXXX XXXX, another credit agency. I was resolved from the debt in XX/XX/2017 because the Bureaus could not verify that I owed the debt.

Although I explained the debt is not valid and since it can not be verified, it is removed from my credit report, they still call me and still send me letters.

I don't know how to keep them from reaching out to me about a debt I do not owe.
Product: Checking or savings account

Bank of America account got compromised for my unemployment had to cancel the card due to it being the unemployment card I am not able to access my money I've been told but their representative different stories they can wire my money but they can charge me and they said they can't and they say to tell me go into a branch of to be able to receive my money and like 30 miles away oh no I can't get my money this has been since XX/XX/XXXX but ordered a card on that day to replace it since then they have ordered me two more and I have not seen no money I have borrowed I've pawned pond everything I own I'm about to go to a grocery store and still food to have something to it eatdifferent stories I'm here by who I am multiple times and multiple people I love how many times I have to verify myself how many people I have to talk to you this is nonsense and this is think of America I'd given up they have made this a nightmare now I will not receive a card until next Thursday or the Monday after that not this coming Thursday next Thursday this is a nightmare
Product: Credit card or prepaid card

Attention : XXXX XXXX Citibank and the merchant has made false allegations about this disputed transaction. In the letter dated XX/XX/2020, Citibank claims that the services were provided by the merchant - and that the customer arrived after the service had ended for the day. 

These are false statements and hence the transaction remains disputed. Please ask the merchant to provide evidence that the customer " arrived after the service had ended for the day. '' The customer arrived within the promised time and the merchant denied the customer the prepaid service. 

If the merchant is unable to provide any evidence that supports their claim that the customer arrived late, then, please re-open this dispute and rescind the funds from the merchant 's bank. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive  months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
Product: Money transfer, virtual currency, or money service

I am to formally writing to 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 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 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Bank account or service

I have an account with PNC Bank in Pennsylvania. I setup an online mortgage payment for XX/XX/XXXX. PNC disbursed a check to my mortgage company on XX/XX/XXXX, postdated for XX/XX/XXXX, then allowed the mortgage company to cash the check on XXXX which caused 1. my account to be overdrawn and 2. The check to be sent back and then redeposited. I was charged a NSF fee and called to find out if the check would be honored on XX/XX/XXXX. PNC could not give me an answer and suggested to be safe that I set up another payment. So because I was traveling out of state by train and knew that I would have no access to a phone or computer I scheduled a backup payment for after I returned on XX/XX/XXXX. PNC again disbursed the payment on XX/XX/XXXX ( the original payment had eventually been honored on XX/XX/XXXX ) causing my account to be overdrawn again and charging me another NSF fee. When I called them to have the payment stopped I was told that I would be charged for stopping the payment and for the fax to the mortgage company requesting that they do not re-deposit the second payment.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 
The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 
It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 
Thank you in advance for your understanding and assistance.
Product: Debt collection

First, I personally never received a phone call, the call family members and leave messages with them. In turn, my family members have let me know. This has just happened today ( XX/XX/2023 ) and the message is from a XXXX XXXX claiming to be with County PSD Division, and says there are legal documents requiring my signature. She then gives a phone number, XXXX and says to reference case file # XXXX. I proceeded to call the number and a man answers the phone very quickly and you can't understand who the company is that he is working for. I was very nice initially giving him the case number and he then proceeds to tell me that a civil case is being processed on me regarding and outstanding debt. I then questioned him on what the debt was and he proceeds to tell me it's a Discover Credit Card. I told him I've never had a Discover Credit Card as you can pull my credit report and see there has never been one. He then proceeded to threaten me saying a judgment will be put on my report as a public record. I became so angry I hung, but then called back and asked the name of the firm, which he would not tell me and proceeded to hang up on me. I called back 5 more times asking for his company 's information and to let me speak with his supervisor, which he just kept hanging up on me. I was finally able to at least get the name of the firm on the last phone call. The firm 's name is XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I received a notice that there was a hard inquiry to my credit report by XXXX. I have not applied for any type of credit card or loan through XXXX XXXX. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??
Product: Debt collection

They keep calling asking for XXXX XXXX idk who that is. I've asked them to stop calling me for this person. I asked them do not call me anymore period. I asked what they wanted they refuse to tell me because I'm not XXXX XXXX. My number is on tje do not call reg. Which I also made complaint with. They often call from different numbers after I block them. They calk me while I'm working. They call me in church on Sunday!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i send a method of validation letter to Equifax LLC ( credit bureaus ) in regards to a dispute i sent about the inquires on my credit file, they return implying that the inquires have not been reporting on there file but it has been under the fair credit reporting act and the cfpb i have the right to address this inaccurate information that has been placed on my file. I've received 3 notices of completion that my disputes has bee fixed updated and clearly nothing has changed, the confirmation i received are:XXXX XXXX XXXX ..i have asked them for any documents with my signature pertaining to these unverifiable, unauthorized, inaccurate information that has been placed on my file. There practices under cfpb is not in compliant with the law.
Product: Credit reporting or other personal consumer reports

Based on the Fair Credit Reporting Act, the list of accounts below violated my privacy rights under 15 USC 1681. 

I called XXXX, Transunion, and XXXX to check these accounts : Account name : XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX. THESE TWO ACCOUNTS ARE A MAJOR VIOLATION OF MY RIGHTS ACCORDING TO 15 U.S.C 1681 section 602 A. States I have the right to privacy. ALSO, 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.
Product: Credit reporting or other personal consumer reports

I called in on XX/XX/XXXX as I had received alerts that my credit report had been accessed without my permission. When I logged into Equifax, I saw XXXX hard inquiries that were not initiated by me : XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I immediately froze my credit report and called Equifax, who instructed me to submit an FTC.gov report and send it to them with a copy of my social security number, drivers license, and a cover letter stating what needed to get removed, and they would take care of it. I did this on XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted with a " dispute resolution '' by Equifax stating that inquiries are a statement about access and would not be removed. 

I believe I was the subject of identity theft and Equifax did not remove these XXXX hard inquiries from my credit report as they stated they would, so I would like assistance getting these removed as they are fraudulent and not initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Experian & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, XXXX, Experian has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  launch servicing, ll XXXX  INQUIRES/ ACCOUNTS : launch servicing, ll ELECTRONIC MERCHANT SYST XXXX INQUIRES / ACCOUNTS : LAUNCH SERVICING, LL XXXX XXXX XXXX XXXX
Product: Checking or savings account

I hope you can help me with this incredible matter. I have a checking account with Wells Fargo Bank In California. 

I'm writing from XXXX. I lived in the USA for many years. I'm a retired psychologist and worked for the State of CA Rehabilitation Dept. 

I opened my checking account with Wells Fargo in XXXX. I get my direct deposit for retirement and Social Security to my account with WF. I was able to withdraw the money in XXXX with my debit card and my PIN number at any ATM. 

About two month ago, without my knowledge or permission, WF changed entirely my account, deleting my password, my PIN number and all information regarding my account. I can't see or access my account at all. I have called and talked to many people in there, told them that my account was blocked to me and I was unable to draw any money as they changed or deleted my PIN number. At the end, they all go around giving me the red tape ; no one will take responsibility for this situation, which has caused an incredible amount of problems. I'm unable to make any payments, buying food, etc. Nothing. I had called them again and again, and I have been told that they will get my account in order ONCE I get back to the USA. Do I have to get back to the USA in the middle of a pandemic, with no money at all, with my US passport expired and the US Consulate barely working due to the pandemic? They have no appointments available for the rest of year. 

I came back to XXXX, my homeland, in XXXX. I'm a XXXX XXXX XXXX and a XXXX person. I have informed this condition to the bank representatives several times, and it does not make any difference to them. l have kept my checking account open, active, and in good standing with them since XXXX. I have used it in XXXX for several years with no problems, until they blocked it without warning to me and no reasons given. They say that I need to pick a new PIN number in person at branch location in the USA. This is totally unreasonable knowing that I am in XXXX and unable to travel due to the circumstances : a pandemic, my age, and my XXXX. I find this situation abusive, insensitive, and incredibly cruel. They have created a tremendous hardship for me. It is useless to try to reason with WF. Anyone tells me whatever they want, in spite of that I tell them that in my current situation I have no even money for food. 
I hope you are able to act on this urgent matter as soon as possible. I'd be grateful to you. 

Thank you, XXXX XXXX