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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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
Product: Checking or savings account

Ally Bank notified me that I will be penalized on XX/XX/2022 if I do not reverse the overdraft of {$80.00} that was fraudulently charged to my account by a tourism company. I have received numerous emails warning me that I must bring my account back up to balance. I disputed the transaction today. I have been unable to reach Ally 's customer service to speak to a human being about this matter. I am unable to log into my account on mobile due to their faulty app. I learned that there has been widespread fraudulent activity among Ally customers and I am confused as to why Ally has not been transparent about this information. They need to be penalized for their failure to protect banking customers ' personal information, and for their insistence on continuing to do business as usual without openly informing customers that this widespread fraudulent attack has occurred.
Product: Credit reporting or other personal consumer reports

I am reaching out to highlight my serious concern to TRANSUNION about certain details in my credit profile which include these unauthorized inquiries. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information.I have attached as well my FTC report with the report number XXXX to support this complaint.
Product: Debt collection

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$2500.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX RE : CFPB COMPLAINT ( XXXX ) TO WHOM THIS MAY CONCERN, FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS IS YOUR TACIT AGREEMENT THAT YOU ARE INDEED OPERATING UNLAWFULLY AND WILL COMMENCE LEGAL PROCEEDINGS. 

HGREG IS CURRENTLY IN VIOLATION OF : THE EQUAL CREDIT OPPORTUNITY ACT, THE CONSUMER CREDIT PROTECTION ACT, AND ILLEGALLY ENFORCING A CASH TRANSACTION WITH A FINANCING TRANSACTION ( 15 U.S. CODE 1605-1606 ) WITH PENALTIES OF UP TO ( {$5000.00} TO {$25000.00} PER DAY ) AS DETERMINED BY A COURT OF LAW. 

I WAS APPROVED FOR {$30000.00} BY XXXXXXXX XXXX  AND I DEMAND ACCESS TO MY LINE OF CREDIT. I WILL NOT BE PAYING A DOWN PAYMENT AND I AM NOT REQUIRED TO DO SO AS LONG THE FINAL TRANSACTION DOES NOT EXCEED THE AMOUNT GRANTED BY XXXX BANK WHICH IS {$30000.00}. 

NO FACTS CAN BE TRIED IN COURT. PLEASE RESPOND IMMEDIATELY TO RESOLVE THIS MATTER OR SUFFER IMMEDIATE LEGAL ACTION. 

I UNDERSTAND THIS MAY HAVE BEEN AN ERROR ON YOUR BEHALF AND YOU MAY HAVE NOT KNOWN YOU WERE OPERATING UNLAWFULLY, AND I DO NOT WISH TO ESCALATE THIS MATTER. 

I WILL GLADLY MAKE THE PROPER VEHICLE SELECTION NOT TO EXCEED ( {$30.00}, XXXX TOTAL ) AND NOT PROCEED FURTHER WITH LEGAL ACTION, ONLY IF WE CAN QUICKLY COME TO AN AGREEMENT. 

THANK YOU. 

" XXXX ID XXXX. : XXXX Date of Inquiry : XX/XX/2024 Submitted by : HGreg.com Application Status : XXXX '' XXXX XXXX XXXX XXXX ATTACHED )
Product: Credit card or prepaid card

On XX/XX/2021 I issued a payment to Golden Sachs to reduce my account balance by {$420.00}. The balance went down immediately by {$420.00}. I called in shortly and requested Golden Sach to cancel my payment. The payment was successfully cancelled and the funds were returned to my personal banking account. My balance went back up by {$420.00} on my Golden Sachs account. A couple days later my balance shows an adjustment balance reversal for {$420.00} on my Golden Sachs account. This brought my total balance up by {$840.00} instead of {$420.00}. 

On XX/XX/XXXX I made another payment for {$100.00}. I called in to cancel the payment and the same thing occurred that week where my balance increased by {$210.00}. 

I called multiple times to representatives and supervisors who did not know how to resolve my issue. They attempted to redirect me in a different direction. Out of 5 people I spoke with, only one rep understood the issue when reviewing my statements. Their supervisors did not nor helped.
Product: Debt collection

A lien was filed on a project I am working on in XXXX Fl. This company called and sent emails indicating they were authorized to collect on this lien when no agreement had been made by the lienor and the collection agency.
Product: Credit card or prepaid card

I received an offer from Chase that came with a number of blank checks. The offer 's terms indicated that there is a 0 % APR through the billing cycle that ends on XX/XX/XXXX. I cashed what Chase refers to as an access check ( adds to the credit card balance ) on XX/XX/XXXX for {$1500.00}. I also continued to use the card for various other purchases, but paid those charges in full within a day or two of making the purchase, leaving only a portion of the {$1500.00} as a balance. I checked my statement, only to find out that they had charged {$9.00} in interest. When I called them to dispute the interest charge, they reversed that charge, but indicated that going forward, if the balance isn't paid in full, interest would once again be charged. 

Their explanation for this doesn't make any sense to a reasonable human and is horribly misleading. They state on the back of the offer : " If you take this offer and do not pay off your entire balance each month ( including the promotional balance that you add by using this offer ) you will lose the interest free period. This means that you will being paying interest on all new purchases, even if you pay your purchase balance in full each month ''. 

There are two serious issues with this approach : 1 ) How  am I paying interest on all " new purchases '', when the purchase balance is paid in full each month? The answer is that I am not paying interest on new purchases, I am paying interest on the promotional balance because that is all that remains on the account. The notification does not make that clear and is seriously deceptive. 

2 ) There is clearly no 0 % interest rate offer for a year, since according to the offer language : " If you not pay off your entire balance each month ( including the promotional balance that you add by using this offer ) you will lose the interest free period. So, the offer goes away if you don't pay the balance in full each month including the promotional balance. How is this interest free for a year? 

At the end of the day, what they really mean is that the 0 % offer only works if you don't use the card for any other purpose after you have accepted the offer, whether you pay those charges immediately or not. Had they made that clear, I would have used another card to pay for my purchases to keep the 0 % interest rate intact.
Product: Checking or savings account

I opened a USBank checking account because I received a personal invitation through email that they are offering {$200.00} bonus if I open by XX/XX/18 and do what is stated in the email ( such as Direct Deposit etc. ). It has a unique offer code, and non-transferrable, which means it is specifically for the email recipient ( me ). Please see attachment. I did so, but till today, I still have not received the bonus. I contacted, and the agent said I was not qualified because I had a checking account before. Then my question is why they sent me the email in the first place knowing I already had a checking account ( which was already closed months before I received the invitation ).
Product: Debt collection

Bank of America called my place of employment and left a message with a coworker for me to call the number on the back of my card. The perception that I was past due was clearly communicated with my coworker. I called Bank of America on XXXX/XXXX/16 and was told that this was not their standard procedure, but after they reviewed the recording and verified the conversation and they did tell my coworkers to call the number on the back of my card, they called me on XXXX/XXXX/16 and said they found no issue with their employee telling my coworkers to call the number on the back of my card. I feel the perception that I owed them money with this message is a problem and leaving a number to call me back on would have been a better alternative. I do believe they have committed a UDAP and I would like their policy changed to protect other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
Product: Debt collection

XX/XX/2024 I asked about evidence I had requested showing that I owed debt and I was told they did not have to provide that especially because I have the lease agreement ( which I never signed )
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for the XXXX Card from Goldman Sachs Bank, XXXX XXXX XXXX Branch.  After getting an identity verification error, I contacted Goldman Sachs Bank and was told that I need to keep trying the application as there is no limit to the number of times I can retry. I was able to get to the part where I have to scan my drivers license and they were having issues with certain states drivers licenses. I followed the directions from the representative and kept retrying the application. After the 5th retry, I began getting a message that I had applied multiple times and they were unable to verify my identity. After multiple calls and speaking with multiple agents on XX/XX/XXXX, XXXX and a manager around the XXXX, the company informed me that they had no resolution process in place for customers whos IDs were triggering issues with their scanning mechanism. This is unacceptable for a large bank to not have a manual verification process in cases where there is a clear and acknowledged system issue.
Product: Money transfer, virtual currency, or money service

I posted on XXXX XXXX  to sell a couch for {$1200.00} in XXXX, a prospective buyer XXXX XXXX contacted me and arranged the date for pickup. Then her financier XXXX XXXX ( XXXX ) sent me a check for {$1700.00} on XX/XX/2024, XXXX $ over than what I was asking and said the difference XXXX $ was for the movers and asked me to give the movers the payment on the day of the pickup. The morning of the pickup day, XXXX said the movers won't come unless they're paid, so I sent {$570.00} through XXXX to a person named XXXX XXXX ( XXXX ) on XX/XX/2024. Then later that day, out of nowhere XXXX said she decided not to buy the couch and would like a refund and asked me to keep {$150.00} for all the troubles. I tried to send back the money, first I tried with XXXX different paypal accounts and none of the payments went through. The XXXX accounts I tried to send payments are XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). Then she gave me an another XXXX account to send money to and that time it worked. So I sent {$1000.00} to XXXX XXXX ( XXXX ) through XXXX on XX/XX/2024. I finally felt relieved to not to be dealing with her after sending this money because she was getting aggressive through all the texts. 

Before I go on I wan na point out that I have called my bank to make sure the initial check for {$1700.00} is cleared. I didn't want to take any risk and my bank reassured me that there was nothing wrong with the check and I can go ahead and send her the money back. I have a proof of my call made to the bank on on XX/XX/2024 1 day before I sent {$1000.00} through XXXX. XXXX week after, on XX/XX/2024, I got a notification that the initial check she sent me has been returned and been deducted from my account. The reason was stated as forgery. After this I have made many attempts to resolve this issue with my bank and I wasn't lucky at all. The first day I called Wells Fargo, I was on hold for a total XXXX hours and was disconnected 6 times by them. I have started XXXX different claims and none of it was successful. The online fraud department didn't even ask for any evidence and yet dismissed my case because they didn't have enough evidence to support my claim. There are XXXX different names and contact info involved in this scam and somehow wells fargo failed to do an investigation and find the guilty. I don't know how many more people have been scammed by this group I can only assume there are hundreds if not thousands more. I reported the user on XXXX but I wasn't unable to send her any message, my guess is she has already blocked me and moved on to her next victim. I documented all of our conversation and payments I received and sent and my phone calls I made to my bank in case you need them.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation.

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress.

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Debt collection

I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive. IO sent them another dispute out on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies : XXXX, XXXX, Transunion. XX/XX/2022 I requested each agency credit report and found several inconsistencies. Some accounts were not reported, some had reporting dates different or activity dates different or not reported at all. 
XXXX XXXX XXXX reports my name wrong and unknown addresses and employment. There are many inquiries from unknown credit inquirers on my report.
Product: Debt collection

I have been disputing a fraudulent card since XXXX LVNV Funding mailed out an affidavit for me to fill out and send in. In which case 30 days later they said they didn't receive it. They kept directing me to mail the photos that i took of the affidavit before mailing them in and when pressed they finally admitted that the forms can be filled out online. In XXXX 's contact they responded with " they can't read them. '' I filled the forms out and the company can not give me a receipt of the forms sent nor can they verify after 7 days if they received the following correspondence. In which case 30 days after they requested the jpeg to be in pdf format. thus pushing the 30 days back due to resending the images. 
This matter is time sensitive and after letting them know. I asked if I can pay this and they responded that it will take 30 days for them to send a receipt. so if I pay or they find it fraudulent as XXXX and XXXX have judged the acct to be, they have made it known that they will take their full time on this matter. I felt as if i am being extorted to pay them and now that they know its time sensitive they will do everything to delay the process to the full extent of 30days when that begins has been reset. As dealing with this collection agency for 5 months I feel as if they are stalling, its costing me time and money.
Product: Credit reporting or other personal consumer reports

Received a 1099-c f, rom XXXX XXXX for tax year XXXX, cancellation of debt and filed with my income for that year. This account is still on my credit report when is should not be. The debt no longer exist,
Product: Mortgage

My mother passed away in XXXX of 2022. She left the home to me after I gave up my home to help care for her in her final days. The company intentionally refused to provide any information regarding a supposed mortgage on the property. When I called to make payments would not tell me what the mo thly mortgage is. When XXXX called to assist with the mortgage they refused to cooperate with them as well. They are now sending people out to harass me, a year and a half later, and actively trying to forclose on the home, without cooperation or accepting payments. I am a XXXX single mother of XXXX who also has a son who has a XXXX XXXX. I do not know why they would knowingly attempt to make us homeless when we were trying to work with them. When I spoke with several people, they can not find any proof that this mortgage even exists. So either they have paperwork issues, or they are an extremely corrupt company who targets people when tragedy strikes. Either way, they are in the wrong.
Product: Checking or savings account

XX/XX/XXXX I got a weird email and on XX/XX/XXXX my car payment was cancelled but I had money in my bank for my auto payment. On XX/XX/2022 my Wells Fargo account was closed. I was unable to use my card. I got an email and they later sent me a check. I always got suspicions alert on my Well Fargo account. Ive move bank since XX/XX/2022 and have had no trouble since.
Product: Credit reporting

I have been the victim of identity theft. Someone has gone to multiple departments to open up lines of credit. These stores include : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX as the so far listed names. As I did further investigation, I also have suspicious detailing of someone pulling up my credit report.
Product: Credit card

American Express has changed my Business account that has my name and all my information on to be owned by XXXX XXXX. In fact, I have a Physical card with my name on it and the account has XXXX XXXX Name on it. I will show the data below.
Product: Credit reporting or other personal consumer reports

I am experiencing an issue with my credit report due to inaccurate reporting by multiple companies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I submitted disputes to Experian for the listed accounts, with the most recent submission on XX/XX/year>, but these issues remain unresolved. 

Specifically, I believe the failure of these credit reporting agencies to investigate and correct the inaccuracies is connected to the ongoing class action lawsuit against Experian and XXXX, which alleges that these companies have failed to properly handle consumer disputes and have violated consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to work directly with these companies to resolve the inaccuracies, my credit report still reflects erroneous or incomplete information. This is directly impacting my credit score and financial standing. 

The details of the dispute are as follows : Date Submitted to Experian : XX/XX/year> to XX/XX/year> Account Numbers : 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 ) XXXX ( XXXX  XXXX ) I have provided supporting documentation, including statements and previous communications, to Experian and the companies involved, yet no progress has been made in addressing these inaccuracies. I believe this issue is a direct result of the systemic failures alleged in the class action lawsuit ( case number if applicable ), and I am requesting that these errors be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a credit for capital one back in XXXX, and now they still showing up on my credit report.