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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXXXXXX XXXX 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 ) ( XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX, XXXX ) ( XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX, XXXX XXXX, XXXX ) ( 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 XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I called experian and requested that hard inquiries are removed off my report because I had no idea nor did I authorize anyone to access my report. I also emailed and filed multiple disputes stating that things on my report which is in collections is not right nor true but yet they still havent responded or took the initiative to resolve it
Product: Money transfer, virtual currency, or money service

My wife XXXX XXXX had her email and accounts hacked. She alerted credit agencies as well as XXXX XXXX XXXX Bank to flag and stop any fraudulent charges. 
Over an approx 6 day period XXXX XXXX fraudulent transactions totaling approx {$1800.00} were taken from our checking account. We notified both XXXX and XXXX XXXX. Both did an incomplete investigation. 
Several of the transactions note XXXX to XXXX, however she did not do this. XXXX XXXX used this as a basis to deny. XXXX then called cash App, without doing an investigation, said they denied our claim, XXXX XXXX denied our claim. 
We requested from XXXX XXXX the following several times but have not received anything. In fact when we call XXXX XXXX and my wife speaks to a claim rep, they ask if we travelled to a different state or location. Indicative of them seeing inconsistencies in our locations vs the transactions. 
Here is what we requested : All items used to deny our claim ; including, but not limited to : IP addresses of both sides of transactions ; locations including addresses of transactions ; signatures ; locations of atms and accounts associated with transactions ; How Cash App verified the accounts using our phone number and email identified by our IP address ; The identity verification process as a whole ; Cash App advertised that they collect credit bureau XXXX, had they done so they would have seen a fraud alert, what verification did they use re their advertised credit bureau XXXX ; Any other item deemed applicable. 
If XXXX XXXX truly contacts credit bureau XXXX they would have seen fraud and hacking. Their verification through email should have stopped the transactions. 
What extent did they do to verify XXXX address of our devices?
Product: Credit reporting or other personal consumer reports

Experian was compromised and now I have a bunch of negatives on my credit report
Product: Money transfer, virtual currency, or money service

I am a victim of the scam and I want both Zelle and XXXX XXXX to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the XXXX XXXX account of the mover named " XXXX XXXX '' via Zelle ( Zelle Transfer Conf # XXXX ; XXXX ), which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted Zelle and also XXXX XXXX about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at XXXX XXXX got blocked. However, neither Zelle nor XXXX XXXX has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX XXXX XXXX XXXX response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's XXXX XXXX account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.
Product: Debt collection

Concord XXXX XXXX stated in XXXX  that the account was cancelled, per Allegation 1 on the letter, on file with CFPD. I need any late 180 day noted on my credit report that happened after that date removed to be deleted off from my credit report since the account was cancelled. And you no longer own this collection account. 

your phone number on file doesn't work XXXX ) XXXX
Product: Credit card

This is Bizarre!!! On XXXX XXXX I opened a Checking Account a Savings Account and a Credit Card with XXXX XXXX XXXX. I linked up with all other Banks and Accounts of mine. I tried XXXX times to do the CITIBANK VERIFICATION OF ACCOUNT. Nothing happens. They ( CITIBANK ) doesn't even get back to you. They are an absolute XXXX XXXX. I have been unable to pay my Credit Card with CITIBANK. I've even sent a transfer from XXXX XXXX to CITIBANK for {$100.00} and it's never POSTED!!!!!! 
They do not even respond to a customer. You call them and your connected to a XXXX  CALL CENTER. Totally worthless. I've never experienced anything like this with any Bank. Citibank is a XXXX XXXX. My Account is in Perfect Order. I've paid all my payments on time. I have PERFECT CREDIT with all 3 Credit Bureaus. That's a Fact.
Product: Credit card or prepaid card

I received XXXX emails about a credit line increase with XXXX XXXX citi bank credit card that I did not make or authorize
Product: Credit card

I am writing to formally file a grievance against American Express regarding practices that have resulted in significant harm to me as a consumer. Specifically, I am contesting the enforcement of what constitutes an adhesion contract, which is void due to misrepresentation, unjust enrichment, and fraudulent conduct on the part of American Express.

Nature of the Issue Adhesion Contract : The agreement I was subjected to appears to be a non-negotiable adhesion contract, offered on a " take-it-or-leave-it '' basis without any genuine opportunity for me to review, negotiate, or amend the terms. These terms are excessively one-sided, favoring American Express and leaving me with no meaningful recourse to protect my rights.

Misrepresentation : I was induced into accepting this agreement under false pretenses. American Express either misrepresented or failed to disclose critical terms, benefits, fees, or obligations associated with the account. This omission of material facts misled me into entering the agreement without a full understanding of its consequences.

Unjust Enrichment : By enforcing these terms, American Express has unjustly enriched itself at my expense. Examples include excessive fees, ambiguous charges, or terms that exploit the lack of transparency to extract monetary benefits far beyond what is reasonable or equitable.

Fraudulent Conduct : The practices employed by American Express in this matter constitute fraud. The company knowingly made false representations or concealed material information with the intent to deceive me and gain an undue advantage. This conduct violates basic principles of fairness and trust, both of which are essential in consumer relationships.

Impact on Me The above actions have caused significant financial and emotional distress. I have been subjected to unwarranted fees, penalties, and other financial harms that have affected my personal finances and well-being. Furthermore, the lack of transparency and good faith from American Express has eroded my trust in your institution.
Product: Mortgage

My mortgage company United Wholesale Mortgage failed to pay city and county tax for XX/XX/XXXX. The city and county transferred that bill to a collection agency. 
By the time I received a bill from the collection agency, the penalty amount has reached {$1200.00}. The total amount including principal + penalty = {$4500.00} I paid for that bill. 

I contacted United Wholesale Mortgage on XX/XX/XXXX asking them to reimburse me the total amount. They said they paid me the principal already back XX/XX/XXXX and agreed to investigate about the penalty. 
I checked my bank records and do not show receiving that principal amount. 

At this point, they dropped the case and stopped responding to me.
Product: Credit reporting, credit repair services, 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 deleted : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}
Product: Credit reporting or other personal consumer reports

I have supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX {$21000.00}, XXXX XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX {$1500.00}, I C System XXXX Balance {$920.00}, XXXX bank XXXX XXXX {$160.00}, AAFCU Balance {$2100.00}, AAFCU Balance {$100.00}, XXXX XXXX Bank XXXX {$620.00}, XXXX XXXX XXXX {$370.00}, Consumer Collection MN Balance {$100.00}, XXXX XXXX XXXX Balance {$660.00}, XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX {$980.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX Main XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility. 


I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me. 

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.
Product: Credit card or prepaid card

KOHLS CREDIT CARD SERVICE NEVER SENT OUT AN ORIGINAL STATEMENT. THE CARD WAS OBTAINED TO R ECIEVE PROMOTIONAL INSTORE DISCOUNTS. AFTER CONTACTING THE CREDIT CARD I WAS ADVISED THE PAYMENT WAS DUE ON  XXXX / XXXX / 17  WHICH I MADE A PAYMENT WITH THEM OVER THE PHONE FOR THE FULL BALANCE {$280.00}. I THEN NEVER RECIEVED ANY ADDITIONAL BILLING UNTIL  XXXX / XXXX / 17  WHEN I RECIEVED A LETTER STATED MY ACCOUNT WAS DELIQUENT BY {$29.00}. AFTER CONTACTING THE CREDIT CARD COMPANY THEY STATED THAT THE DAY  I M ADE MY PAYMENT IT WAS PROCESSED LATE BY A FEW HOURS ... YES HOURS SO I WAS RESPONSIBLE FOR A {$29.00} LATE FEE. THEY APPOLOGIZED AND SAID THEY WOULD REMOVE TH E CHARGE..  THIS HAS EFFECTED MY CREDIT REPORT IN A NEGATIVE WAY.
Product: Credit reporting or other personal consumer reports

There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is XXXX from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the XXXX XXXX a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.
Product: Credit reporting or other personal consumer reports

am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, agreement was made via recorded phone call that once payment was made on account that it would be removed from reporting to XXXX, XXXX, and XXXX. The account is still being reported after paying {$280.00} on XX/XX/2023. I filed a new dispute through XXXX and XXXX and XXXX, which came back as updated information. This creditor agreed verbally via recorded line for pay to delete.
Product: Credit reporting or other personal consumer reports

My name is and I am not filing this claim in the XXXX person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$9500.00} XXXXXXXX XXXX # XXXX {$3700.00} XXXX XXXX  # XXXX {$990.00} XXXX # XXXX {$410.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$32000.00} I have asked these companies to validate and send proof that these accounts belong to me with contracts I sign in wet signatures. So far they have not done this.
Product: Debt collection

This is related to the complaint ID XXXX. I'm being harassed by a debt collector regarding debt I have never failed to pay. I could not locate the original creditor but the debt collector seems to have found them. I am filing this complaint so that the debt collector stop harassing me because I did not fail to pay this debt. I do not want it as a collection on my credit file because this debt is in a good standing. 
Here is a copy of my original complaint : On XX/XX/XXXX, I received an alert from a credit reporting agency stating there is a new delinquent account added to my credit file. When I checked my credit report, I saw a company had sold an account I was current on to a collection agency. I set up an automatic payment with them a year or so prior. They have never called me or sent me mail to notify me about the account. The automatic payment was happening until XXXX, XXXX. I have never stopped the automatic payment. I have never received a notification about unsuccessful attempt to withdraw from my account, if any. I don't believe there was one. I tried to contact XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, a company with which I set up an automatic payment. I was told they are not responsible for my account anymore and they can't locate it. I attempted repeatedly to find out what happened.
Product: Debt collection

I was received bills from COAST TO COAST FINANCIAL SOLUTIONS, account number : XXXX, Re : XXXX   XXXX XXXX, Total due : {$20.00}, and the letter told me If I don't pay that amount they will sent me to collection and the will be effective on my credit score. 
I want to fill this claim because I did not know why I owe them {$20.00}. I want to explain I need get XXXX XXXX   every 3-4 months because i had XXXX XXXX in my body, Every time I came to XXXX XXXX office I had to pay my copay {$20.00} that amout is base on my Insurance before I was get a XXXX XXXX .If I don't pay co-payment they never do XXXX XXXX for me. 

Another thing I want to fill this claim because i don't want they sent bills to their clients with small money on bill like that with no explaining why, I think too many people they don't remember they paid or not, they don't want get trouble and they sent money to them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX opened XXXX amount {$530.00}. XXXX opened XXXX XXXX  amount {$150.00}. XXXX opened XXXX amount {$520.00}. XXXX opened XXXX amount {$6800.00}. XXXX XXXX opened XXXX amount {$130.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

I mistakenly took a payday loan from XXXX for {$2000.00} in XX/XX/2019 ( I believe this was the amount because I can not find the original paperwork because XXXX sold the account and the links are no longer valid ). In XX/XX/2019 I realized I had become overextended with payday loans ( I had three other loans ) so I contacted a debt mgmt team. They advised me that all of the loan companies worked with them except for XXXX. I contacted XXXX many times via email ( which I can provide ) and by phone ( no answer ). I advised them to please work with my debt mgmt company so I could pay them and they never answered me. I do not have the money to pay them and I am working to pay the other loans because they are working with my debt mgmt company. In the last two weeks I was contacted by a XXXX XXXX (? ) from Northwood Asset Management ( who apparently bought the bad debt ) who calls from a local number and leaves a toll free number to call back regarding a " personal matter ''. I called her back last week and when I advised her I had tried to work with XXXX multiple times she laughed and said " That's not what they said ''. I advised her I was working with a debt mgmt company and she wanted the name. I advised her that after trying to work with XXXX and them not answering me I had to pay the creditors who were working with me. She said " Well it doesn't go away and the lawyers are going to sue you for {$11000.00} ''. She sounded very threatening and laughed at me a few times. I was in the middle of my workday and needed to get back to work so I advised her to send me the information however I am not trusting of this company due to their bad XXXX  reviews and predatory factors. 

Thank you! 
XXXX XXXX
Product: Debt collection

A man named XXXX keeps calling my work number ending in the digits XXXX and leaving messages saying he is with Windham Professionals and that it is a debt collection agency and he is attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. XXXX, XXXX, US DEP ED. INQUIRIES : XXXX
Product: Checking or savings account

I paid for a car repair on XX/XX/XXXX with my debit card. 3 months later I had the same problem. I approached the dealer but he refused to refund. I went to Chase bank. I put in a dispute on XX/XX/XXXX. At the time I was not told of statute of limitations. They credited my account for {$3600.00}. Then 3 weeks later they reversed it. My account was overdrawn. I feel that I was treated unfairly. I should have been informed of this policy. I want the bank to reimburse me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is furnishing collection accounts on my consumer profile that are not METRO 2 compliant. Provide proof immediately or remove these accounts from my consumer profile in a timely manner as this matter is currently pending litigation.