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

On XX/XX/year>, I sent a letter to Transunion and asked them to investigate the accounts on my report to make sure everything was 100 % accurate on my credit report. However, they did not do it because they told me the investigation was complete on XX/XX/year>. 

I looked at my report on XX/XX/year>, and noticed some things were still incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

These accounts 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 are not complete and accurate. 

Open dates, dates of last active, dateS of last payment are still not accurate. This is groundS for removal. They violated my rights under 12 U.S.C. 1681 Section 604 A Section 2 : This law clearly states a consumer reporting agency can not furnish an account without my written instructions.

And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for your response, but nothing has come through as of yet. The unverified items stated below continue to report on my credit report in violation of federal law notwithstanding the prior written request. Despite my best efforts to resolve the issue directly with the creditor, the credit bureaus continued to report unsubstantiated information in violation of the Fair Credit Reporting Act, 15 USC sections 1681i, and did so with intentional XXXX and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. Please take the following things away : 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: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) THIS IS NOT A DUPLICATE COMPLAINT.

( 2 ) THIS IS NOT A IDENTITY THEFT OR FRAUD ACCOUNT. 
( 3 ) THIS IS A CHARGE-OFF ACOUNT XXXX XXXX XXXX ACC , # XXXX Accordance with the Fair Credit Reporting ACT Experian Credit Bureau has violated. my rights 15 U.S.C. 1681 SECTION 602 A. STATES I THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 504 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX OPEN DATE XX/XX/XXXX # XXXXXXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXXXXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXXXXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX # XXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have never dealt with this company claiming I owe a debt to them of {$390.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.
Product: Debt collection

I XXXX XXXX had no knowledge of this debt from a summit collections account. Summit collections have not called my phone one time. This is illegal debt and identity fraud.
Product: Credit card

Received an email from chase Important : We decided to close your account ( s ). They are closing 3 of my credit cards, 1 checking and 1 savings account On XX/XX/scrub>XXXX XXXX XXXX 

All credit cards have been paid on time, had direct deposit transferred to my savings and checking, and had money in the savings. 

Tried to reach out via phone but was told they could not let me know why and they will no longer let me have any account with chase. 

Tried going in store but they could not get any answers. So I withdrawed my money from both accounts and pending some sort of account closer confirmation from them. 

Here I am today opening this claim because I have been wronged with this account closure as I have been with this bank for the last 15+ years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX that the Credit Bureau has to remove negative information. 

There is an open XXXX account that does not belong to me. Recently, negative information re a {$29.00}. Past due amount was posted.
Product: Money transfer, virtual currency, or money service

Regarding Transaction/Confirmation Code # XXXX I sent the sum of {$71.00} money on XX/XX/2023, to a family member in XXXX that lost his son ( Confirmation Code # : XXXX ). 
The money has not been received by the family, instead I keep getting messages from WorldRemit automation that your transfer is delayed and that we will provide an update within the next XXXX hours. This has been ongoing for the past 20 days. 
I have called WorldRemits call center 6 times and unfortunately each time I have waited on the phone for an average of about 60 minutes to 90 minutes to speak to somebody. Each time, I am told by their customer representative that it is a technical issue. Each time, I have requested for them to send back my money to me. I have also written a formal letter on XX/XX/2023 to their XXXX office, requesting for my refund. They still have not refunded my money back to me, instead I keep getting the run around. 
As a customer for more than 8 years to 10 years in good standing, this is not how to treat a loyal customer. 
At this time, I will appreciate it, if your agency can intervene with this issue and urge WorldRemit to refund my {$71.00} back to me, so I can make alternative arrangement to send the money to the bereaved family. 

Thanks, and take care. 

XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This represents my fourth endeavor to lodge a complaint regarding fraudulent entries reported across all three Credit Bureaus. It serves as a follow-up to the previous complaint dated XX/XX/XXXX. I respectfully implore XXXX, Equifax, and XXXX Credit Bureaus to expeditiously eradicate the unauthorized entries. Pursuant to FCRA Section 605b, it is imperative to expunge any items identified in an identity theft report. Enclosed herewith, please find the essential documents required to facilitate the blocking of inaccurate information currently present on my credit report : 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 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 XXXXEQUIFAX : 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: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I hired home depot to do a kitchen remodel. It was supposed to be a three day job starting XX/XX/XXXX and ending XX/XX/XXXX. As of today XX/XX/XXXX over two months later, the job is still not complete and I get no solid answers from Customer service. Only lie after lie from the back office. I have asked for a refund and my requests have gone on def ears. Please help get me a refund for the job that has not been completed in over two months so i can move on and have someone else complete the work. I get the credit card bill each month and pay for a service that has not been completed!!
Product: Money transfer, virtual currency, or money service

I purchased an item from Klarna ( handbag from XXXX ) on XXXX XXXX, 2022 which gave me the option to make four easy installments. Klarna stated that with the initial sign up you receive an extra 25 % off your first order. I called Klarna ( XXXX ) on XXXX XXXX, 2022 and spoke with XXXX who stated that Klarna will honor the 25 % discount off of my 1st order once the item has been shipped. Called Klarna on XXXX XXXX to inform Klarna that my item ( from my 1st order ) had been shipped. I spoke with XXXX who told me that everything on the Klarna app stated that my order is pending. Per XXXX, she told me to check back in about 24 hours and after I see a payment plan on my Klarna app, the payments should be adjusted to {$18.00} bi-weekly and the total price of the handbag should be {$72.00}. XXXX stated that if payments haven't been adjusted, to give them a call back. Called Klarna on XXXX XXXX and spoke with XXXX and XXXX who told me that they couldn't give me the discount because XXXX had the merchandise on sale. I received an email from XXXX stating that I needed to contact XXXX. Called XXXX ( XXXX ) on today and spoke with XXXX who stated that Klarna should honor that discount because XXXX didn't have anything to do with that discount. I don't have a problem paying for the handbag, but I want Klarna to honor the discount that they advertised.
Product: Money transfer, virtual currency, or money service

I am resubmitting my complaint regarding XXXX failure to implement adequate fraud prevention measures and to properly investigate consumer disputes. The response I received to my initial complaint, which claimed insufficient facts, is unacceptable and appears to align with broader concerns that have prompted CFPB litigation against Zelle for alleged violations of the Consumer Financial Protection Act ( XXXX ) and the Electronic Fund Transfer Act ( XXXX ). 

Specifically, I refer to the CFPBs lawsuit filed on XX/XX/year> ( XXXX XXXX. XXXX ), which alleges that XXXX systemic failures have resulted in over {$870.00} XXXX in documented fraud losses. The dismissal of my complaint on the basis of insufficient facts mirrors the allegations that Zelle systematically denies valid consumer complaints. 

Under the Electronic Fund Transfer Act, 15 U.S.C. 1693f, financial institutions are required to conduct a reasonable investigation of any reported errors. Based on the evidence provided in my initial submissionand in the additional documentation attachedI contend that Zelle has failed to meet this statutory obligation. 

I respectfully request that the CFPB reopen and thoroughly investigate my complaint. Attached you will find additional evidence, including records of disputed Zelle transactions that were not resolved in accordance with EFTA requirements. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate steps to ensure that consumer rights are protected and that Zelle is held accountable for its alleged shortcomings.
Product: Payday loan, title loan, or personal loan

Hi there, On XX/XX/XXXX I purchased a flight to XXXX XXXX for a vacation with friends on XXXX XXXX : https : XXXX and paid for my purchase which included a purchase protection plan via Affirm : https : //www.affirm.com On XX/XX/XXXX, my travel plans required amendments and curiously did not receive any confirmation email with my boarding pass or itinerary. When I reached out to XXXX XXXX they said they were unable to support my request and directed me to a shady third party website to file a claim. 

I immediately filed a claim with Affirm to kick off the process for a refund. Apologies for the number of screenshots their support site would not let me view a larger frame of the conversation. 

I then filed another request on XX/XX/XXXX to XXXXXXXX XXXX to resolve the issue. I was then left in limbo and had to purchase the another flight via XXXX. On XX/XX/XXXX I reached back out to Affirm for an update, got nothing. On XX/XX/XXXX again got nothing. Yet again on XX/XX/XXXX, got nothing. Even yet again on XX/XX/XXXX got nothing. Finally on XX/XX/XXXX I got a ruling in favor of XXXX XXXX. 

I was extremely frustrated though because I did not want this to affect my credit score I paid in full immediately. However this company is clearly a fraud. I had found their yelp and there are at least XXXX XXXX star reviews from customers experiencing the same issues.
Product: Checking or savings account

A hand written business check, written from a company I own, was deposited on XX/XX/2023, into my Wells Fargo business account, which I also own. 

My check from XXXX cleared the same day of my deposit, XX/XX/2023. 

The fraud department without any inquiry, research, questioning, closed all my XXXX accounts the evening of the deposit, XX/XX/2023 with a date certain. 

XXXX of the accounts has been active with Wells Fargo and predecessors for over 35 years with over XXXX XXXX dollars transacted through this now closed account. 
When on XX/XX/XXXX, I contacted the fraud department what was going on, I was told that my deposit was determined fraudulent and Wells Fargo had a right to close all of my accounts because of my fraudulent activity of depositing a hand written check deposited by my same signature as on file with my XXXX accounts with Wells Fargo. 
Let me repeat XXXX XXXX claim : a hand written check from XXXX business account that I own, that was cleared that night, XX/XX/XXXX, from my XXXX account, Wells Fargo made a decision that that hand written check signed by myself with the same signature on all of my 11 XXXX accounts was fraudulent and closed my q business accounts i forming me that none of these accounts could accept deposits and that any withdrawals scheduled over the balance would be denied. 
No question, no putting the check on hold in order to do an investigation, XXXX arbitrarily closed my accounts causing me tremendous problems. 
I called the fraud dept at XXXX to contact XXXX to confirm that I was a signature on this XXXX account. Wells Fargo informed me that they would not contact XXXX. I had to go to a XXXX retail location and present to their representatives corporate documents demonstrating that I was an owner of the company by including incorporation from the state this account at XXXX was incorporated in. 
This is outrageous.
Product: Credit reporting or other personal consumer reports

They have willfully failed to comply with the FCRA by reporting inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act, specifically Section 1681o regarding willful noncompliance. 

Date XX/XX/XXXX in the amount of {$27000.00} Date XX/XX/XXXX in the amount of {$29000.00} Date XX/XX/XXXX in the amount of {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In late Fall XXXX there were fraudulent charges to my Macy 's credit card. I reported the fraud to Macy 's and was told not to pay the balance, that Macy 's would take care of it. Macy 's did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called Macy 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and Macy 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from Macy 's. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter Macy 's sent me. I called Macy 's to inquire as well. Macy 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax Macy 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX agreement removed collection account off of my credit report. I dispute information with Expience credit agency and they envisage and only update amount and did not remove collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, XXXX XXXX, and Experian to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks
Product: Mortgage

Our mother passed away in 2020 without a will. When she passed away we notified them of the death, and were sent paperwork, including a form to fill out to be declared successors-in-interest. 

They listed four items they would accept -- one line item being a combination of the probate cases Letters of Administration and an affidavit determining her heirs filed with the County Recorder of Deeds. Other line items were a court order or an executed deed. 

We completed the first line item. According to my sister, she spoke to Chase today, XX/XX/XXXX, and that they say that now, even though we have done that, we now need to get a deed executed. Our attorney had previously said an administrator 's deed was not correct. There is no other way to execute a deed in our process to our knowledge. And besides, this should be enough -- or at least, it is according to their own process document. Their own process document recognizes that updated deeds are not always available. 

It feels like this is a scheme to defraud consumers and heirs of deceased borrowers of their rights as Successors in Interest, which include the right to assume financial responsibility to the loan under much more favorable terms. We have to assume financial responsibility for the loan in order to complete probate in our state. 

A copy of Chase 's successor-in-interest packet, showing the documents they say they require, is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer for 3 commercial vehicles through XXXX. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and XXXX closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called XXXX and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. XXXX claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from XXXX that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. XXXX reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.