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

To Whom It May Concern, This is my 2nd complaint to you as Experian refuses to respond to my dispute investigation request and help me. They are now claiming that they think that I am a 3rd party which couldnt be further than the truth, and candidly Im offended and angry. Im attaching my IDs as proof. 
My accounts listed were not late and refusal of Experian to simply respond and address my concerns is outrageous and based on my own research, is in violation of the law. Its now been almost 3 months without response to my investigation inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18, my account through XXXX XXXX was closed and sent to collections. My dispute with XXXX  was over a debt reported with an incorrect balance. I was contacted by Portfolio Recovery and I also disputed the accuracy of the balance directly. Both disputes were denied. I disputed the balance they have because the card maintained by the original creditor, XXXX XXXX, was a secured card with a credit limit of {$200.00}. XXXX XXXX allowed a merchant ( XXXX XXXX XXXX ) to force debit authorization for an amount that should have been declined because the requested amount was way over my credit limit.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I reached out to Experian multiple time ( s ) and sent multiple letter ( s ) in reference to removal of inaccuracies on my credit report that does not relate to any transactions I have made. In this complaint I attached a FTC report with these accounts and inquiries listed onto my credit report thats fraudulent reporting and negatively effecting my credit. It is evident that the delay in the resolution of my dispute goes against the consumer protection provisions outlined in the FCRA. This delay not only violates my rights as a consumer but also undermines the integrity and purpose of the dispute resolution process.I do not want any stall letters or automated verified as accurate responses sent to me.If Experian deem anything to be accurate or verified.I demand that Experian promptly conducts a thorough investigation into my dispute and provides me with a written explanation with the method used to verify any information and the description of procedure taken during the investigation. I request all written results within the legally mandated timeframe. Failure to do so will result in a violation of my rights under the FCRA, and I will have no choice but to take appropriate legal action to remedy this matter.
Product: Money transfer, virtual currency, or money service

XXXX Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
I am writing to formally express my concerns regarding Zelle 's 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 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. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me.

Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 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

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I saw a charge for {$670.00} from a company called XXXX  on my Apple Card I did not recognize on XX/XX/year> as " pending. '' I contacted XXXX and asked what the charge was for, and that I had not authorized a charge and to cancel it. They were not able to provide much information beyond the amount, such as what it was for, who made it. They said I can login to my account with them to see that info, but I do not have an account with them and could not find out any info. They said they can not cancel the charge because it had already gone through. 
I then contacted Apple to dispute the charge. I had my card cancelled and a new number issued. I have never done business with, requested or received any products or services with this company who charged my card.

Apple stated they would investigate the charge and issue a response.

They stated the charge would remain on my card. And the charge is on my card and I am being asked to pay it. However I did not make the charge, I contacted both companies as soon as I saw it, and don't know what else to do about this. It is a fraudulent charge.

However, I did not make the charge. So what do I do? I am being asked to pay {$670.00} for something I never purchased or received, and have not even been able to find out what it was for or who made it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX Equifax learned of a large scale breach into mine and other consumer 's information through a database breach. This information pointed to the fact that Equifax had leaked much of mine and other American consumers personal data, including social security numbers, date of birth, and even credit card numbers and other personal information. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Immediately following my discovery of the breach ( XXXX XXXX, XXXX ) I placed a 90 day fraud alert on my account through Equifax. This is already two months after the breach occurred, however, which leaves plenty of time for a hacker to have used my information to open credit cards in my name.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an item ( order # XXXX ) from Kohls XXXX XXXX. Amount is {$9.00}. This is on XXXX Statement. I did not return that item at all. But in XXXX statement, I see a return on XX/XX/XXXX for - {$9.00}. I see a duplicate transaction of {$9.00} again for order # XXXX on XX/XX/XXXX. on XX/XX/XXXX I see PURCHASE XXXX XXXX STORE for {$9.00}. I paid the amount of {$9.00} for my genuine purchase on XX/XX/XXXX. I disputed with Kohls on XXXX XXXX about this but no action has been taken till now. I contacted again today ( XX/XX/XXXX ) and they said that disputed is not resolved and we are submitting another dispute. I have wasted at least XXXX hours of time talking to them about this simple issue. Worst part is they have added interest and late fee in XXXX statement and the amount due is now {$10.00} which I did not owe at all. I'm worried it is going to affect my XXXX XXXX. 

Kohls customer care is literally AWFUL!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX
Product: Checking or savings account

Good morning my name is XXXX XXXX and I have regions bank. and i know it's my fault when I go over on my account. and I know an overdraft fee will accord but I don't think that another overdraft fee should happen and the next day until it pay off on that same charge. i think they should charge one time only. and this has been going on for 3 years now.
Product: Debt collection

The company claimed I owed a debt I have no recollection of and have failed on all levels to provide any verification of debt and legal permission of any to collect debt in the state as well as provide a contractual agreement between myself and XXXX for good/services.
Product: Bank account or service

I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX  XXXX XXXX  # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}
Product: Credit reporting or other personal consumer reports

I have been disputing a fraudulent account on my credit report for the past five years, yet this business continues to report it as valid. Despite repeated attempts to have it removed, they persist in reporting it inaccurately, damaging my credit. This is a clear violation of fair credit reporting laws, and they refuse to take responsibility. I have provided proof that the account is fraudulent, yet they act as if the contract is still valid. This behavior is deceptive and harmful.
Product: Debt collection

National Credit Adjusters is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17
Product: Credit card or prepaid card

I get close to XXXX calls a day and many back to back calls daily from commenity Bank it's harassment at this point. I want to work with them. But I don't want to now with all the phone calls. As of XXXX on Monday XX/XX/2022 I have missed XXXX calls from them. XXXX. And I will get more today. That's crazy. I shouldn't have that many calls back to back.
Product: Mortgage

I initiated a cash out refinance loan with my existing mortgage company on XX/XX/2020. I have had 38 contacts with them, have submitted 30 items for there review, signed papers, payed for an appraisal, paid my credit card bill which they told me not to pay. They have adjusted the fees ( up ) and amount of cash to be received ( down ) twice, and I am still waiting for an answer as of XX/XX/2020. Throughout the process the basic mode of operation has been for them to request something of me, I respond within a day or 2, then I don't hear anything for a week or 2, and when I do, it is another request for additional documents. I feel that I have been strung along unfairly.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX and XXXX XXXX respectively.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I attempted to close my Wells Fargo checking account today. There is a bit over {$1200.00} in the account and the fees every month were {$35.00}. I had previously attempted to close the account online but was told that the address I was using to remit the funds was not acceptable because it was a Post Office Box. I was told I needed to come into a branch to close the account. This is very inconvenient but today I went to a branch in XXXX ( XXXX and XXXX ) to close the account.

I was told that they can not close an account on the last day of the month, They gave me the proceeds of the account but did not close it. They said I needed to come back on a business day that was not the last day of the month or the first two days of the month. I asked if I would still accrue fees and was not given a response. 

So the account remains open despite repeated attempts t close it.
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in PROCOLLECT , INC, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), PROCOLLECT , INC is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, PROCOLLECT , INC is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect PROCOLLECT , INC to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ( 4 ) for accounts on my Consumer Report that's reporting inaccurate information. These are the following Acct : XXXX XXXX  is reporting a {$4600.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a {$3000.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a charge off for {$890.00} balance on my Consumer Report this account was paid in full. Please remove this account for inaccurate information. 

XXXX acct # XXXX is reporting a charge off for no $ amount please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is : I disputed a public record ( bankruptcy ) showing on my report dated XX/XX/2015 The results of the reinvestigation stated " This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. '' I don't see the accuracy in their investigation when I also disputed this company and the item in question was removed from this company due to inaccuracy of the item. I have documentation showing the Removal of this item. 

I also have a letter from XXXX stating that they sent a dispute on my behalf to all three bureaus about the public record with no response from either of them. 

Also I would like to make a complaint about the same item, bankruptcy dated XX/XX/2015 with XXXX. I received an investigation from them stating their investigation procedures but no results. 

I would just like to be treated fairly and have matters executed as such. The item is an inaccurate item and I would like to have it removed from any report pertaining to my person
Product: Credit reporting or other personal consumer reports

SUBMITTED FTC REPORT, POLICE REPORT, ID THEFT AFFIDAVIT, IDENTITY DOCMENTS AND LETTER REQUESTING THE BLOCKING/REMOVAL OF XXXX FRAUDULENT XXXX XXXX ACCOUNTS ON MY CREDIT REPORT PER 15 USC 1681c -2 ( a ) THE FRAUDULENT ITEMS ARE PRVENTING ME FROM PURHASING A NEW HOME
Product: Debt collection

I owed Amex cc ever since I lost my job 2 years ago and theyve literally called me like 10 times a day everyday untill I started ignoring the calls. I didnt know you could even file a complaint about this stuff but its been mentally exhausting I want to repay obviously but am having a hard time.
Product: Payday loan, title loan, personal loan, or advance loan

So CashAdvanceNow, now XXXX XXXX, charged my bank account twice. One of {$64.00} the other {$76.00} and I did not give them permission nor authorize the charges. The payment is usually once every 2 weeks but they charged me twice in one day yesterday. What's more unsettling is they never contacted me to do so and they changed their name to XXXX XXXX which I wasn't aware of. If you go to their website www.cashadvancwnow.com it would state that they changed their name to XXXX.Very shady loan business
Product: Credit reporting or other personal consumer reports

I am writing to complain to LOANCARE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The XXXX report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX  Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.