23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was a victim of a XXXX fraud while banking with JP Morgan Chase back in 2022. I was selling a piece of furniture and was told by the then scammer they would like to pay and send someone to pick up the piece. Not unusual for furniture sales. I was not prepared for what happened next. I received an email from XXXX XXXX Support stating that I had a pending transaction and needed to upgrade my account to a business account, that I had reached my limit for personal transactions. At the same time I was being harassed by this scammer to complete the transaction. I was instructed to have my buyer/scammer send me {$400.00} to expand the limit of my XXXX account and that I would be credited for the {$400.00} plus the price of my sale. Now at this point the buyer/scammer is acting well and nervous so XXXX thinking this is a real person, that this is something XXXX rolled out to catch up to small business or sellers using this to avoid tax. Seeing as I wasnt a business but just someone trying to sell off furniture for a move I was gullible and uninformed. After confirming with my buyer/scammer that I would send them their {$400.00} back to complete this sale we went through with this transaction. Now I had not received any money into my account but had seen proof from my buyer/scammer that they had sent the money and they preyed on my good/honest nature to get me to send them their {$400.00} back even though I had never received and wouldnt receive anything. Then I received another email from XXXX XXXX XXXX that my account had in fact not been upgraded and I needed to repeat the process with my buyer/scammer for {$600.00}. At this point I had wised up and realized I had been scammed, I immediately ceased contact with the buyer/scammer and called my bank JP Morgan Chase to report the incident and get my money back. Of course I was told my money was gone and I couldnt get it back which I argued was odd since we can report credit fraud or direct account fraud and get money back but their XXXX service isnt covered? Here I now was out {$400.00} and XXXX there was no security in using XXXX even though it was through my bank!
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. 

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 Dept Of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I opened a CitiGold account with Citibank. I signed up with a promotion that gave XXXX XXXX for meeting certain requirements on said account. After I had met the requirements, I sent a message to citibank through my online banking and they confirmed that the offer was attached to my account and that I had met the requirements to get the bonus and that my bonus points would post in a certain time frame. Screenshot is attached. I messaged Citibank again to see why my points had still not posted and I am being told now that I was not targeted for this offer while the opposite has been confirmed many times over chat and secure message. Screenshot of new message is also attached.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I attempted to purchase college football tickets ( XXXX tickets ) for the XXXX XXXX game on XX/XX/year>. I found them on a XXXX  XXXX page for parents of students. The tix were never provided and I used pay pal to transfer XXXX for the tickets and a parking pass. I disputed the transfer with pay pal and it was declined and then disputed with my bank and that was declined. My bank is XXXX XXXX XXXX. I have screen shots of the conversation with the person I thought was selling tickets.also attempted to contact XXXX to alert them of the scam but it was very difficult and their hold times were excessive. I also attempted to canc my pay pal account but after 40+ minutes and XXXX different representatives it is still open even after clearing all pending transactions. The transaction ID FROM PAYPAL transaction is XXXX
Product: Debt collection

a debt collection company by the name of I.C. SYSTEM, INC has listed a negative collection account on my XXXX and XXXX  credit report, claiming that i owe a debt of {$58.00}. i am demanding this account be removed from my credit report seeing that this account does not belong to me. unless I.C. SYSTEM, INC can provide physical proof of an original contract or any documentation with my photo identification or signature on file. 
A billing ledger does not count as proof that this account belongs to me, please provide only physical evidence if not remove this a.s.a.p.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with TransUnion and XXXX in regards to different addresses that are on my consumer report that I have never once lived at. I even provided them with my address and it was never updated. It shows me that they are not checking the information like they should be doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX XXXX  Account # XXXX The Above-mentioned Accounts have 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

American Student Assistance @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan
Product: Mortgage

My mortgage was being serviced by XXXX, but then was sold to Mid America Mortgage on XXXX XXXX. I never received a welcome letter or notice of transfer of my mortgage. The only way I found out was calling XXXX to pay my XXXX mortgage. After paying the XXXX mortgage, I have seen no evidence of the payment going through. Now I am trying to pay my XXXX mortgage and have tried to contact Mid America numerous times through many different avenues. I've been on hold several times with the longest time being 3 hours before I had to hang up. I've sent emails that have gone unanswered. Their website is broken and I am unable to create an account, because I have no idea what my new account number is. I'm in the process of trying to buy another home and I do not want this to affect my ability to purchase the new home. All I want to do is pay my mortgage.
Product: Debt collection

A man by the name of XXXX XXXX is calling one of my colleagues with sensitive info regarding a car loan. I don't know how he knows about this loan since he is not associated with lender. He told my colleague detailed personal information regarding his call including my car make, color and year. He also gave her a file number. This is not OK! 

This concerned my colleague so much that she worried about my safety. If. you look this man up he is calling from different numbers in all states but it's always the same story. He calls from fake local numbers that are not assigned to any business. And it's never the same number. 

He harasses and uses language and collection tactics that are illegal. I have worked out a payment agreement with the lender. I tried to tell him this and he just talks over me. This man has crossed the line and has no business doing this to people. The contact number he wants you to call back on is consistent : XXXX. You can look at similar complaints at XXXX with this number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Office of the Attorney General XXXX XXXX XXXX XXXX # XXXX, Washington, DC XXXX Federal Trade Commission XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for XXXX Investigations of Credit Report Errors Dear Sir/Madam , I am writing to formally lodge a complaint against Experian, the nationwide consumer reporting agency, for their unlawful practices concerning the investigation of disputes related to my credit report. I have been adversely affected by their failure to properly investigate disputes and their continual reinstatement of errors on my report, which has jeopardized my access to credit, employment, and housing. 

On XX/XX/year>, I learned from the CFPB 's announcement regarding their lawsuit against Experian, which highlighted serious allegations of the company conducting sham investigations into consumer disputes. I echo these concerns, as my own experience with Experian reflects a blatant disregard for the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am troubled by the following issues : 1. **Inadequate Investigations** : Despite my efforts to dispute erroneous entries on my credit report, Experian has repeatedly failed to take the necessary steps to comprehensively investigate my claims or rectify the inaccuracies.

2. **Improper Deletion of Accounts** : Experian has removed a positive closed account from my credit report without due process, which has negatively impacted my credit score and financial reputation.

3. **Threats to Consumer Rights** : The inability of Experian to ensure accurate reporting has serious ramifications on consumers like myself. Inaccurate information can hinder access to essential services such as credit, housing, and employment opportunities. 

I have attached relevant documentation, including dispute letters, communication with Experian, and copies of my credit reports for your review. 

I urge both the CFPB and FTC to investigate these practices further and hold Experian accountable for their actions. It is crucial that consumers are protected from such negligence and that credit reporting agencies adhere to the law. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action regarding my complaint. 

Sincerely,
Product: Vehicle loan or lease

For a year we have been paying our car two months advanced. Due to the Covid-19 and Federal mandate I am currently temporarily out of work and I kept getting calls from Quality Acceptance for payments. I explained my situation that I am struggling right off the bat due to the work restrictions because of the Covid-19. I informed them that this is our first time being late with the payment and still kept demanding for payment. I told them that their is a moratorium in place until everything is lifted and we will be back on our feet and will make the payments. They still won't listen and I am told by XXXX that " because this is a high risk lender, we don't participate on Federal and State guidelines. I was so shocked! Please help me and I am pretty sure that I am speaking for everybody else that is going thru this. Quality Acceptance LLC are located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I paid with my debit card from the citi bank bank my debit balance in the company, for the month of XXXX payment that I made on XX/XX/XXXX at XXXX XXXX and it was posted as paid on XX/XX/XXXX and At & t never I received the money, and I still have the debit balance with at & t, I have proof of the bill that they are charging me where it says they never received the money, this gives me very little confidence because this is the bank where I receive my direct deposit from me work.. I want to know if at & t does not have the {$180.00} that I paid and posted on my account statement that I was paid and they do not have it, then where is my money????? I feel cheated, robbed, frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need to get XXXX XXXX to cottect their files it shows XXXX XXXX XXXX XXXX XXXX late when real payments dont reflect that look at included files
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SynchronyBank has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.
Product: Checking or savings account

My account has been locked for 10 days with no apparent reason with no access to my money.
Product: Credit card

In XXXX 2016 XXXX XXXX Credit card offered a {$200.00} statement credit when making a purchase over {$500.00} within the first 3 months. When I applied, by the end of XXXX 2016, the offer was {$100.00} instead of the {$200.00}. I called the company to see if I could still get the {$200.00} statement credit offer and they told me that they were going to apply the {$200.00} statement credit as long as I requested after making my over {$500.00} purchase. I purchased 5 year passes to XXXX XXXX In XXXX 2016 and paid {$1600.00} with the XXXX XXXX Credit Card. I called the company so they can apply the {$200.00} to my statement credit. After about three weeks I received a XXXX Gift Card in the amount of {$100.00}. I called the company right away and asked about the {$200.00} statement credit. I told them I did not want the gift card and I was willing to send it back. what I wanted was the {$200.00} statement credit they offered. In early XXXX 2016 I called again because I got my statement and there was no credit at all. I was told that they were going to submit a request for the {$200.00} statement credit and that I was going to get a letter within 10 days. After 10 days I called, XXXX XXXX, 2016, to check the status of the request. The person on the phone said that there was a note about it but the request was never submitted. Again she told me she was going to make sure to submit it and that I was going to receive a letter in the mail about the decision. XXXX XXXX, 2016, I called again to check the status of the request. This time the person on the phone told me that they do not give any statement credit and that they had made a decision in XXXX XXXX, 2016 to not to apply the {$200.00} statement credit. XXXX still shows the {$100.00} statement credit offer. Still they do not want to honor the offer.
Product: Money transfer, virtual currency, or money service

i am writing to formally 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 users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I have a couple of store credit cards and noticed they are now charging a fee for paper statements. I feel this is something the CFPB should address as it is taking advantage of the consumer. Digital statements can be beneficial, but most consumers have email inboxes that are filled with thousands of emails. The chances of a consumer overlooking a monthly billing statement are high. Forcing consumers to switch to the paperless statements can lead to more late payments which means the financial institution would be collecting more fees. Interest rates are already high enough! They should not be trying to get even more money from consumers! Additionally, anytime financial information is transmitted online, there is an increase risk of fraud! Lastly, what about consumers who pass away or are otherwise unable to access their digital statements?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is reference to this complaint number. MY NAME IS XXXX XXXX XXXX XXXX XXXX I AM A NATURAL PERSON AND A CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. I RECEIVED A LETTER FROM EQUIFAX DATED XX/XX/XXXX. ATTACHED IS THE LETTER WHERE EQUIFAX IS IN VIOLATION OF THE 15 USC 1681 ( C ) ( 2 ) WHERE THE AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES THAT RESULTED FROM AN ALLEGED ID THEFT. 

THEY ARE REQUESTIONG FOR ID WHICH WAS SUBMITTED WITH MY FTC REPORT # XXXX RECEIVED ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to Comenity Bank directly and advised that each account is reporting differently to XXXX, XXXX, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.
Product: Debt collection

National Credit Adjusters started collecting {$100.00} per month for a debt that was owe to Rise credit. National Credit Adjusters stop collecting the {$100.00} per month, called me XXXX XXXX, 2016, to inform me that {$100.00} per month was not acceptable any more after they were collecting {$100.00} per month, I ca n't afford to pay any more at this time. If they could not accept please send my money back. My wife was not included in this loan, just me.,
Product: Debt collection

Asked for validation from original creditors, and written deal and terms. Told them I had a dispute on one XXXX XXXX account that was never refunded, company will argue that they sent validation but it not the original contract with any itemized charges to prove the amounts are correct, they have 4 accounts and threaten to sue. And refused to send anything written I asked for validation multiple time and gotten they sent it, its not telling my anything they dont have the information I need to validate or just refuse to send
Product: Credit reporting or other personal consumer reports

I recently received a letter from XXXX  XXXX stating that it was a data branch that took place between XX/XX/XXXX - XXXX, 2024 as I will be attaching the document to this complaint. Two days later I received an alert that there was a negative account on my credit report that I didn't consent to, nor did I authorized original creditor XXXX XXXX now collection agency XXXX XXXX XXXX XXXX to report account XXXX XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/year> and it reported to my credit report on XX/XX/year> 2024