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

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Vehicle loan or lease

I purchased this vehicle XX/XX/2017. The payments were not being applied correctly to the principal balance. This has caused me to pay more interest month over month. Some regular monthly payments were being applied to late fees. I have put about XXXX payments to the end of my loan, but those are included in the remaining payments I have left. I would like the payment history since this account opened to be released, showing how the monthly payments were being applied. The loan terms show I have XXXX payments left of {$620.00}, and about {$1500.00} in late fees. This totals approx. {$4000.00}. However, the loan is showing a payoff of {$15000.00}. The extra amounts are unexplainable. Please research, and fix so I can pay this loan off. Thank you!
Product: Consumer Loan

I had major issues with CASHCALL/XXXX This loan was taken out in XXXX 2011 but then it had issues and in XXXX of 2011 XXXX offered me a settlement which I tried to take multiple times but was ignored. They Wanted to settle for XXXX. The original loan was XXXX. My ex husband and I then filed chapter XXXX in XXXX 2011 paying 100 % to plan. Now that our BK is complete I notice that Cash CALL claimed XXXX on a loan that was owed XXXX!!! This is obscene. They stole almost XXXX from me and never responded to any of emails or phone calls on this..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account American Credit Acceptance - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report
Product: Credit card or prepaid card

CFPB Should NOTE this is my 4th COMPLAINT AGAINST US BANK CARD MEMBER SERVICES IN THE PAST XXXX Months. 

Two Disputes were filed with US Bank for Debit Card XXXX for services paid for in advance that were not received. 

1. {$940.00} XXXX XXXX XXXX  XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 XXXX. {$770.00} XXXX XXXX XXXX XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 I received provisional credits for both {$940.00}, {$770.00} on XX/XX/22. 

On XX/XX/22 the Provisional Credit for {$770.00} was reversed without any prior notice being sent. 

On XX/XX/22 the Provisional Credit for {$940.00} was reversed without any prior notice being sent. 

On XX/XX/22 I Called the Card Member Services Department to find out why the Provisional Credit were reversed and was told that they were DENIED but no reason was given. 

on XX/XX/22 on the same call I asked the investigation reports be sent to my business address, I verified the correct address and asked that a new claim be opened for both charges, {$940.00}, {$770.00} as I have never received any services for which were paid for in advance. 

Today I tried calling to get an update on these and was transferred 5 times to 5 different departments. 

To date I have received nothing from US Bank in regards to my original disputes, the information requests, and additional filings. 

I demand the return of my money {$940.00} and {$770.00} since I have never received any services for which I paid for.
Product: Credit card

On XX/XX/2021, a charge was made to my account with Barclays, XXXX XXXX XXXX XXXX, for {$10000.00}. This was double the amount that I approved for the charge of {$5100.00}. I immediately contacted the vendor over the phone and online. When the charge did not get corrected, I had no choice but to dispute the charge with the credit card company. I immediately provided all of the necessary information, including all of the correspondence with the vendor about the charge. This transaction was done online, so I did not have a receipt such as would be provided in a store face to face transaction. I did provide the credit card company with the original online transaction amount and everything indicating the correct amount to be charged, and did this all within the appropriate timeframe. I received little to no response from Barclays, the credit card company, as well as no request for additional information. In desperation, I did an online CHAT in which I asked for the government regulatory agency for the credit card program and was told it was the XXXX  ( XXXX XXXX XXXX ) and the FDIC. I have this chat in writing as I printed it off. I pursued these options to no avail as obviously they are incorrect and I was misled. This amount of {$5100.00} that I was overcharged is significant to me, and I feel because of my trouble and the extreme XXXX  this has caused me, Barclays should refund me the entire amount of {$10000.00} as settlement. I realize the date of this complaint being over 2 years since their denial of cooperation may seem a long period, but as I said Barclays sent me down rabbit holes for the complaint process, I am assuming intentionally to avoid responsibility for their misdeeds. I have attached both the CHAT that I had with Barclays where I was directed to contacted both the XXXX  and FDIC as regulatory agencies, and also the letter ( the only letter ) sent to me about my dispute, in which Barclays chooses not to investigate my issue in any way.
Product: Money transfer, virtual currency, or money service

Our Real Estate Firm has been a target of ACH Fraud Cybercrime Extortion. We believe it to be a ring of predators constantly sending Fraudulent ACH Withdrawals to our XXXX XXXX Business account since XX/XX/2023. We have closed our 3 business accounts and opened 3 new accounts, but XXXX XXXX is saying the extortion attempts shall " Roll Over '' to our new accounts up to 90 days. 

Funds in amount of {$17000.00} were extorted XX/XX/2023 from our business commission account by Capital One Bank before we noticed it was gone 2 days later. We have been able to Stop Payment on 7 further attempts to extract funds since XX/XX/2023 and it has become a daily routine to login to our accounts as a preventative measure. 

We have filed reports with XXXX XXXX XXXX, XXXX XXXX XXXX Federal Bureau Of Investigation XXXX Federal Trade Commission and now XXXX XXXX XXXX XXXX. We realize ACH Cybercrime is currently at an all time high and would appreciate any assistance you can provide. 

-- Warmest regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX | XXXX South XXXX XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened a chime account late last year and have been having problems with funds disappearing and automatically being taken from me after I make deposits remind u I have nothing automatically being taken out nor do I give anyone access to my information dates would be mainly from XX/XX/XXXX to now around XX/XX/XXXX I've been having these mystery withdrawals and money taken out every dispute gets denied within a few hours of them saying it'll take weeks to solve meaning they did no kind of search in my funds I've filed police report and sent to them still nothing just would like help in dispute of the whole account and reconciliation would be giving all funds in account back
Product: Credit reporting or other personal consumer reports

I recently received a letter in the email that due to a recent data breach my social security and personal information has been leaked. When I reviewed my credit profile I noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were added onto my credit profile in a direct reflection of this data breach my personal information was leaked.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXput the charge off to my credit report which is inaccurate and it was their mistake, I never missed any payment and also I never get an additional bill notice from them, I was set up auto pay.
Product: Checking or savings account

I am writing to file a formal complaint against my bank, BNY Mellon, regarding its mishandling of a chargeback dispute I initiated. I believe that BNY Mellon failed to properly investigate my claim and did not provide me with a fair opportunity to present evidence supporting my case. This complaint relates to a transaction for goods and services that were misrepresented by the merchant, XXXX XXXX. 

The transaction in question occurred on XX/XX/year>2024, when I was charged {$240.00} by XXXX XXXX for what was advertised as a legitimate telehealth consultation, prescription, and medication. However, the goods and services provided did not meet the advertised or reasonable standards : Misrepresentation of Goods and Services : The medication I received, compounded XX/XX/XXXX, was shipped by XXXX XXXX. I discovered that XXXX XXXX is not properly licensed to ship medication to my state ( Missouri ) and lacks a sterile compounding permit in their own state of Florida, which is required to legally compound sterile injectables. 

When I attempted to dispute this transaction with BNY Mellon, the bank did not fulfill its obligations underXX/XX/XXXX chargeback rules. Specifically : Failure to Investigate Properly : BNY Mellon denied my dispute without conducting a thorough investigation. The decision was made without requesting or allowing me to submit supporting documentation, including evidence of the misrepresentation by the merchant and evidence of the merchant initially agreeing to give me a refund. 

Violation of XXXX Chargeback Procedures : XXXX chargeback guidelines are designed to protect consumers in cases of misrepresentation or defective goods and services. BNY Mellon did not adhere to these guidelines by prematurely closing my dispute without proper evaluation or explanation of the facts I presented. The bank failed to ensure that my claim was thoroughly investigated as required by Visas dispute resolution framework. 

Consumer Harm : As a result of BNY Mellons inadequate handling of my dispute, I am left with a financial loss of {$240.00} and no recourse for the unsafe and misrepresented product I received. 

This lack of action and disregard for standard chargeback dispute protocols by BNY Mellon has caused me significant frustration and financial harm. I expect my bank to act in good faith and comply with XX/XX/XXXX rules to ensure fair treatment of disputes.

I have attached relevant evidence, including correspondence with the merchant, documentation of their misrepresentation and licensing deficiencies, and details of the transaction. I hope the CFPB will take appropriate action to ensure that BNY Mellon upholds its responsibilities underXX/XX/XXXXchargeback rules.

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



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
Product: Checking or savings account

On or about XX/XX/22, Beyond Finance ( a debt consolidation company ) attempted to withdraw {$150.00} from my checking account using a fraudulent ACH (? ) auto pay/recurrent withdrawal. I advised them of this on both XXXX and XXXX, and they refused to either investigate their fraud or do anything about it.
Product: Debt collection

I have reached out to DRS since I was notified that they were on my credit reporting as a collection. I sent out a letter asking for DRS to Validate this debt. The information that I have received from DRS has been statements showing that this debt has been paid and {$0.00} is owed. This account was paid by insurance and should not be in collection. Please delete this account from my credit report Immediately!
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 federal protection consumer rights to privacy and confidentiality under the 15 U.S.C. 1681. 
Account # XXXX XXXX XXXX 1 ) 15 U.S.C 1681 section 602A, states I have the right to privacy 2 ) 15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than several years.

4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a 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

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

Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name Navient # 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a 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 antidotes the report by more than XXXX  years. 15 U.S.C 1681 s-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, credit repair services, or other personal consumer reports

Unauthorized Inquiry Transactions, As requested I contacted lenders directly to request deletion letters. When speaking with them, I provided my full legal name ( including suffix ), date of birth, my current home address and contact number - None of the lenders could verify a request for a credit transaction in their system. I offered my Social Security #, they declined and stated once the social security number is entered into the automated system either by phone or online it is encrypted and they don't have access to it. I spoke with XXXX from Equifax support team on XX/XX/XXXX at approximately XXXX XXXX, she advised that I file a FTC Report and submit my Inquiry dispute via certified postal mail along with the FTC Report. THE FTC NO LONGER HANDLES THESE KINDA OF REPORTS CONCERNING CREDIT ISSUES- THEY SEND YOU DIRECTLY TO CFPB. 

( Inquiry ) - XXXX XXXX, XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XXXX ; ( Inquiry ) XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX ; ( Inquiry ) - XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX ( Inquiry ) - XXXX  XXXX  XXXX  ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} ( Paid ) Credit limit : {$1000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Product: Credit reporting

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education or Federal Loan Servicing Credit. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.