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

I recently check my credit report and I noticed 2 inquiries listed on my report. The first one was from ASHROXXXX XXXX XXXX XX/XX/2022 located at XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX a phone number of XXXX. The second inquiry was from XXXX XXXX XXXX on XX/XX/2022 with no phone number located at XXXX XXXX XXXX, XXXX DE XXXX. I went online to check on the two inquiries and the XXXX XXXX is regarding mortgage and could not find information on AshroXXXX XXXX have read complaints about these companies that may include fraud. These companies DID NOT and HAVE NOT contacted me. Therefore I believe this may be fraud.
Product: Credit reporting

I Just called Equifax Office on Phone # XXXX and spoke with a rep IN THE CONSUMER RELATION DEPT BY THE NAME OF XXXX XXXX SHE ADVISED ME THAT THEY DO NOT SEND OUT THE ORIGINAL CONSUMER CFPB PLEASE TAKE NOTE OF THIS AND I WAS ON A RECORDING LINE AND COULD FORWARD YOU WHAT EXACTLY WHAT SHE SAID CFPB THIS IS A SERIOUS VILATION OF THE FEDERAL LAW ... PLEASE INVESTIGATE THIS COMPANY A BUNCH OF CROOKS
Product: Credit card or prepaid card

Union Bank has blocked use of my VISA credit card # XXXX, for well over a year. 
Although Union Bank may have a right to close a credit card, they do not have a right to damage me by forcing me to have an open credit card with a valid credit limit, but not let me use it. This damages me as I can not apply for other business credit cards, as the credit bureaus are reporting that I have this credit card open. It is also a burden on me to have to watch incoming statements for this card. 
I have made roughly 30 requests that this card be either opened or closed, however Union Bank has ignored all of them.

This includes an in branch visit to a Union Bank branch. 
After many, many calls, over many months, I was referred to XXXX at XXXX XXXX XXXX XXXX. 
After roughly 15 messages XXXX responded zero ( 0 ) times. 
Aside from this problem, I have had a very good relationship with Union Bank, both with credit cards and bank accounts for many years. I bear them no ill will. 
Accordingly, if they remove the block on my account, I will consider this as an unfortunate mistake, committed in good faith, and I will withdraw my CFPB complaint and I will not pursue legal action. 
However, if Union Bank continues to stonewall me, then I will continue with this complaint and with appropriate legal action to seek reimbursement for my damages, including punitive damages for intentional wrongful acts by Union Bank. 
If, by their future actions, Union Bank shows that are acting in bad faith, I would suggest that the CFPB, under threat of litigation, require 1 ) a written statement confirming either that blocking a customer 's account for ~ 2 years with no explanation was not their policy, and committing to a specific plan to properly train the employees ( like XXXX ) who handle these matters, or 2 ) a statement that it was their policy and a written plan to change that policy and to train their relevant employees on the new policy. 
Please feel free to contact me if I can be off further assistance. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. They must remove any accounts that were opened without my knowledge, consent, or authority within 4 business days. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( transunion and XXXX ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.
Product: Debt collection

I started receiving a collections notice in XXXX for XXXX insurance because I changed insurance companies! Not once did I receive a letter or a bill from XXXX insurance saying that I still owed them money! Just out of the blue I got a notice from a collection agency! I called them and told them I was disputing it, because I never received a bill from XXXX! All the collection agency said was to call XXXX! If I owe them money, they needed to get a hold of me, and I never received any statement saying that I owe them any money!
Product: Prepaid card

Paypal offers the use of PayPal MyCash which allows consumers to add money which can be transferred to the holder 's PayPal Account. Within the past few weeks, it appears everybody is having issues getting these cards to work. 

Paypal will not admit there is anything wrong either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts XXXX XXXX  XXXX, XXXX XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please
Product: Checking or savings account

On XX/XX/2018, I went to XXXX XXXX to purchase a wedding dress. When I walked in the bridal shop, there first question they asked me was, " what size are you ''? I told them that I am a size 4. They measured me and said that based on my measurements, I am a size 8. I assured them, that I am not a size 8. They were insistent and said that based on the designer 's sizing, I measured that size. I took them for their word, and put down a deposit of {$600.00}. The wedding dress came in a few weeks later. I went in for my fitting and the dress was too big! XXXX XXXX told me that now, I would have to pay {$650.00} and get four alterations to the dress. This doesn't make any sense. If you measured me to the designers measurements, how is it that the dress doesn't fit? I contacted the Dispute Unit at Citibank and they initially reversed the charges and gave me the {$600.00} deposit. XXXX XXXX responded and said that I signed everything and that all sales and showing the manufacture 's sizing for the dress. Well that doesn't matter, because the dress still fit too big. And it doesn't matter if I said any documents. This wasn't a final sale, and people break contracts and leases. Just because I signed something, doesn't mean that XXXX XXXX wasn't deceitful and dishonest. I realize they measure you to a bigger size, so that later, they can charge you more for alterations. I found an article from XXXX magazine that supports my complaints regarding XXXX XXXX. XXXX XXXX XXXX. This was a celebrity who came into the store and she is normally a size 12, and they told her that based on the measurements, she as a size 18. When she went to the fitting, it was way too big and she complained and got her money back. I am not a celebrity, but I should be treated with the same respect as she was. I feel ignored and honestly betrayed by Citibank. I've been with them for 13 years, and they decided to take the merchants word on this. It's disappointing. All I want to do is a plan a wedding and not think about this any further
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

I received this loan back in XXXX from the XXXX XXXX federal credit union. I had that the payments automaticaly deducted from my paycheck on a bi-weekly basis. As of XXXX XXXX, I was on medical XXXX and through the service of XXXX payments and XXXX Insurance from my loan, my loan payments were being covered. In XXXX, XXXX stop making payments to my loan and I was notified in XXXX XXXX that my loan was charged off by said credit union. Then around XXXX XXXX, I started getting consistent calls from a attorney with regards to the debt. I advised the attorney representative that the balance was disputed and I requested a clear history of all my payments from the time the loan was opened.. I received a copy of my contract with signed documents only nothing indicating my payment history of all payments made for the amount owed was disputed. I never received a response from the attorney. Today, my XXXX y/o was served a XXXX XXXX XXXX summons dated XX/XX/XXXX with no prior notification addressing my detailed payment history from the start of the loan which was opened in XXXX. The document states that I have 20 days to file an answer to the complaint or a judgement will be filed. The issue is asking for the documentation of my payment history and not receiving the require documentation. I have no problem making sufficent payment arrangements, but I was never given the opportunity to do so and the company already charged off my debt, reported on all XXXX credit reports..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX ; XXXX ; Transunion ; XXXX XXXX XXXX  ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Credit inquiries that I did not authorize: XXXX XXXX   XXXX/2023
XXXX XXXX XXXX XXXX/2023
XXXX XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX  - XXXX/2023
XXXX XXXX -  XXXX/2023
XXXX XXXX XXXX XXXX/2023
XXXX   - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX. - XXXX2023
XXXX XXXX XXXX - XXXX/2023 XXXX XXXX XXXX - XXXX/2023 XXXX XXXX XXXX - XXXX/2023
XXXX XXXX XXXX XXXX XXXX XXXX/2023
XXXX XXXX XXXX - XXXX/2023
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a title loan with OneMain Financial at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on XX/XX/XXXX with a debit card and was told the payoff would be immediate. I called the next day to see if they notified DMV to realease my title. I was told they waited 14 days to make sure the payment cleared the bank, which was contrary to what I was told the day before. A debit transaction comes out of the account instantly, so their 14 day waiting makes no sense. Also, one month I made what I thought would be an additional principle payment a couple of days after my regular payment. They treated it like a regular payment and took {$30.00} of it as interest. Interest that had not yet accrued. They told me it is adjusted after the next payment. This can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I started disputing in XXXX with XXXX and TransUnion concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.
Product: Credit reporting or other personal consumer reports

I

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I sent a formal written dispute to National Recovery Agency regarding a medical collection account appearing on my credit reports. In this letter, I demanded : 1. Immediate deletion of the account from all consumer credit reports in accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) rules regarding medical debt reporting.

2. Written validation and confirmation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

As of today, National Recovery Agency has failed to respond or validate the debt. Despite this, the account remains on my credit reports, harming my credit standing and violating federal regulations. 


According to the updated CFPB guidance, medical debts should no longer be reported on consumer credit files. Furthermore, reporting unverified debt is a direct violation of the FCRA and FDCPA.
Product: Vehicle loan or lease

To Whom It May Concern : I am filing this complaint against Bridgecrest regarding what I believe to be XXXX lending practices and their threats of repossession of my vehicle. I purchased a vehicle through XXXX, and despite the cars current market value being only XXXX, they claim that I owe a balance of XXXX. Key Issues : XXXX. Inflated Loan Balance : The outstanding balance of XXXX is significantly higher than the vehicles current value of XXXX. This suggests predatory lending practices, including inflated fees or unreasonable interest rates. XXXX. Failure to Provide Documentation : I have requested, XXXX  times, that Bridgecrest provide me with the general ledger and chain of title documentation and original contract to verify their standing to collect on this debt and their right to repossess the vehicle. They have refused to provide this information. This raises concerns about their authority and transparency in handling my loan. XXXX. Threats of XXXX : Bridgecrest has threatened to repossess my vehicle despite my good faith attempts to clarify the terms of the loan and resolve this issue. The lack of transparency and refusal to provide proper documentation undermines their standing to enforce repossession. Resolution Sought : I request that Bridgecrest be required to provide me with a detailed general ledger showing how the XXXX balance was calculated, including all fees, interest, and payments made to date. I request that they provide the chain of title and legal documentation demonstrating their standing to collect this debt and proceed with repossession. I ask that any collection or repossession efforts be suspended until this documentation is provided and the matter is thoroughly reviewed for predatory lending practices. I am seeking XXXX assistance to investigate these concerns and ensure that Bridgecrest is complying with fair lending laws and acting in good faith in their collection practices. Thank you for your attention to this matter. I look forward to your prompt assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX Account # XXXX Account name : XXXXXXXX Account # XXXX Account name : XXXX Acccount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On or about XX/XX/XXXX I contacted " XXXX '' to get my free credit reports from all 3 bureaus, but have not received them as of XX/XX/XXXX. So I went online, because I wanted to see the reports immediately. I was only able to access from Equifax online. Once i filled out my information, the report came and it was actually a report that belongs to my XXXX. Nothing on his report belongs to me, all of his personal information is on the report along with all of HIS accounts. I contacted Equifax the next day about the problem, but they did not have much to say, and claims no responsibilty to the problem. At that point I requested a paper printout of my report to be sent to me, which I received on or about XX/XX/XXXX. After reviewing my paper report, everything looks fine. It does not have my XXXX information on that report. On XX/XX/XXXX I received another paper report from Equifax with my name and address, so I opened the envelope, and AGAIN it is my XXXX CREDIT REPORT! So I contacted Equifax about this AGAIN to explain the problem and ask when they will fix the issue, and of course, they want me to send copies of my license, birth certificate, social security card, etc. I explained to them that I already sent them that information XXXX weeks ago, in order for them to send my paper report. They responded by saying they dont have my information? They are " slow walking '' their mistakes and costing me VALUABLE TIME at this point. Im trying to get a loan, but when lenders go to pull my information they either get my XXXX credit report, or NO MATCH! I am absolutely updet with this issue, and EQUIFAX refuses to correct the problem PLEASE HELP ME.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB law suite 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 were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity services is portrayed to be the credit bureau they have my information and And placing me in a category with low income or fraud alerts I have no affiliations with either theyre misrepresenting me there gathering information on my financial information through XXXX and now clarity as a third-party is wanting to gather a credit report on me which I dont believe that they have any affiliation with me and experience