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

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

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

I am disputing the following unresolved negative items on my credit report : XXXX  - XXXX - {$6700.00} XXXX  - XXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

previously distributed capital one account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for XXXX bye experian while XXXX XXXX report dispute result reported by grantor, I strongly disagree with investigation results. Capital one continues to report factually incorrectly. previously account reported payment history with OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with XXXX and XX/XX/XXXX with XXXX and XXXX. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Bureau, I am writing to you to express my frustration and disappointment with Discover Bank 's handling of my previous complaint number XXXX. In that complaint, I reported that a credit card was fraudulently opened in my name, XXXX XXXX, and was not received by me, but instead by a person named XXXX who lived in my apartment building. Despite Discover Bank acknowledging that this credit card was not opened by me, they are refusing to remove it from my credit report unless it is paid by me, even though it was not mine in the first place. 

I find this to be a blatant injustice and an unfair practice. I have provided all necessary legal documents and evidence to prove that this credit card was not mine, yet Discover Bank is still refusing to take any action to correct this mistake. This has caused me great distress and has had a significant impact on my credit score.

I am asking the Consumer Financial Bureau to intervene and take action on this matter. I believe that Discover Bank is engaging in unfair and deceptive practices by holding me responsible for a credit card that was opened fraudulently and not by me. I request that the CFB investigates this matter thoroughly and takes appropriate action to ensure that Discover Bank corrects this mistake and removes this credit card from my credit report. 

I look forward to hearing back from you on this matter and appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am XXXX had Bank of America account since XXXX and its my salaried account. I have added my husband XXXX as a joint holder to my account in XXXX after our marriage. Currently I have protection orders against my husband. He forged my signature and withdrew my cash and closed my account. The bank of ameracia discriminated me because of my nationality and my language and favors XXXX XXXX, by cancelling already issued cashiers checks to me on file and sending new cashiers check worth {$3400.00} to new po box address which is not on the file, without notifying me even after I rise the issue to the bank of my ongoing legal issues. Please find the attached copies of my forged signatures on the cashiers check. Also attached the police report of forgery. 
It is the banks responsibility to verify address to sent check and the sigunatures when I have raised the issues to the bank. 
Concerns : 1.If I am not authorize to encash with out my spouse, who can bank clear the check to XXXX without my presence while I have protection orders against him. 
2. When I notified the BOA issue that I have with my husband. How can they send the checks to the different address than the original address on the file. 
3. How can BOA released the funds without verifying my signature ( Loyal customer of BOA more than 12 years. ) 4.I am in the fear he might be forge my signature for illegal activities which I have to involve to face them.
Product: Credit card or prepaid card

My JP Morgan Chase card was hacked, and they gave me another card. They said I did not have to pay for the items that were fraudulently charged ( almost {$1000.00} at XXXX XXXX ), but then they cam back and added ( without any warning ) {$600.00} in claw-backs from these fraudulent charges. I cancelled my accounts with Chase because they were cheating me. I had about {$3000.00} on the balance, and after I filed an earlier complaint with the CFPB, they called right back, all sorry and everything, and they promised that they would delete the charges. In good faith, I sent them {$2000.00}, which is close to what I owe. they acted like they were going to " clear all this up '' -- but that was weeks ago. All I got was another invoice for the remaining bill, with no adjustment for the fraudulent charges. 

I have never heard from Chase again, after all their XXXX promises to make things right. They should be prosecuted for abusing me, my time, my credit rating ( they have injured my credit rating ( I have proof ) by claiming that I am delinquent on the balance. 

These people are lying thieves. I pay a lot of taxes to my government, and these people always seem to land on top, because they XXXX the XXXX out of people like me. I want someone who works for the Unites States to rattle their cage, and I want them to make some good-faith efforts to correct this situation. I swear if I had the money to afford a XXXX XXXX lawyer, I would take them to court. I don't make a lot of money, and they are doing more than taking money from me -- they are ruining my credit rating, which will cost me even more in the future. 

Please help me!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. XXXX initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.
Product: Checking or savings account

Someone has illegally used my debt card in XXXX XXXX. This unauthorized charge was done on XX/XX/XXXX as pending and posted to my account on XX/XX/XXXX. As soon as this happened, I contacted J. P. Morgan Chase Bank to close my debit card and to file this as a fraud claim. They denied my claim and stated that I made this charge, when I did not make it charge. I did not give my debit card out to anyone. I am a hard working full time worker and student. I would not spend {$890.00} in XXXX XXXX, as I am a XXXX XXXX, and Chase claimed on their app that I spent this money in person in XXXX XXXX on Home Goods, when at the time I have not traveled, been in XXXX, TX asleep because this happened over-night. I dont know what to do and my bank account is negative because Chase reversed the funds when they denied my claim. Please help
Product: Credit card or prepaid card

I signed upon Online for a Citi XXXX XXXX  Credit Card around XX/XX/2020 at the same time I requested 3 balance transfer one of which was XXXX for {$1000.00}. 
All three showed being transferred on XX/XX/2020. Two of them did make it to the other banks the XXXX did not and still has not but yet Citi has charged my account. I have spent hours on the phone with both Citi and XXXX and they keep pointing fingers at each other that the other one has my money. I have done disputes that were then cancelled and a letter sent to me by Citi that the problem has been resolved and I received my money and they closed the case, but yet I have not received my money. I have been hung up on by 3 separate employees of Citi, two. Of which were supervisors. I have requested phone numbers for someone other than customer service and that is all they will give me. I have asked for a compliance department and they do not know what I am talking about. The best I could get was an address in Delaware which I sent a letter but have not heard anything as of yet. With all the many phone calls, three way calls between Citi and XXXX this is going no where and I am out {$1000.00}. The only written documentation I have ever received from either company is a letter dropping the investigation and saying I have received my money. Citis business practices are such that I dont know who to go to next. Can someone get back to me and give me some directions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying {$19.00} a month for Experian IdentityWorks Premium Membership, and I have been a member since XX/XX/XXXX. The primary reason for my willingness to pay for this service was the benefit of having Quarterly 3-Bureau Report and FICO Scores ( All benefits listed below. ) However, Experian has not produced an updated Quarterly 3-Bureau Report and FICO Score since XX/XX/XXXX. 

I notified the Experian Membership customer service of my dissatisfaction near the end of XX/XX/XXXX. The representative I spoke to ran through all the possible troubleshooting that the representative could provide, and they said they were going to open an Escalation Ticket. They said someone would get in contact with me via email with a resolution, so I waited. Then at the beginning of XX/XX/XXXX, I called again and asked what the status was of my ticket, and they ran me through the same script and said someone would be in contact with me soon via email. The only difference was this time ; they agreed to refund the prior three months of membership fees that I had paid for the service they had  not yet provided. I was told I would see a refund of XXXX XXXX on my card in 7-10 days. The only thing I noticed was my fourth monthly membership fee charged to my account.
Product: Debt collection

I received a letter in the mail on XX/XX/year> From Transworld Systems Inc. The letter stated that I owed {$49.00} to XXXX XXXX XXXX. I have never used XXXX XXXX XXXX nor do I have an account with them. I did call XXXX XXXX XXXX to have them look up the invoice number and the number does not exist. When I attempted to contact Transworld Systems Inc by phone to request some validation and details about the debt they just tried to get some of my personal information I refused to give it to them and I asked to speak with a supervisor with no luck. I ended up hanging up on them. I am worried that this scam will ruin my good credit.
Product: Money transfer, virtual currency, or money service

I invested {$3000.00} worth of bitcoin to a company that made a really good website that made it seem like I was making profit. It seemed so promising when I first began. once I seen the account hit XXXX, wanted to withdrawal money. I had to send bitcoin to get my withdrawals but I was only able to make 3 completed withdrawals. I was told my account was deactivated due to too many withdrawal requests. I needed the money really bad at the time and the seemed like my only way out at the time. It cost me {$7000.00} worth of bitcoin. Once reactive my account stopped growing. My account manager stopped communicating with me and I began to really start stressing due to my living situation this scam caused me. I asked to withdrawal my entire account of {$41000.00} but was told I needed to get a certificate to show I was the legitimate owner of the account. That cost {$2500.00}. Then I was told I need to hedge my XXXX. Ive spent over {$14000.00} trying to get my money out. Once I completed one thing they asked me to do, there was always something else. I've become financially stressed due to this. It's put me behind majorly, Please help.
Product: Debt collection

My name was forged when they tried to serve me. I tried to contact it was a Indian Reservation Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm XXXX XXXX XXXX XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.
Product: Checking or savings account

My mother XXXX XXXX passed away on XX/XX/2022 and I tried to report that the account needed to be closed and I got the rudest lady XXXX on the other end!! I did not appreciate how I was treated especially after just loosing my mother!! I would like to see something done about how the employees of the M and T bank on XXXX XXXX in XXXX Vermont treat their customers and the families of deceased customers!! Please feel free to call me anytime for further questions at XXXX thank you for your time hope to be hearing from someone soon
Product: Debt collection

In XXXX, XXXX, I discovered XXXX XXXX XXXX XXXX were reporting an account on my XXXX credit file. I disputed the account with XXXX and sent XXXX a request for debt validation. On XX/XX/XXXX, XXXX XXXX responded with a letter and a statement. According to both the letter and the statement they provided, the balance owed on the account is {$2500.00}. To XXXX, however, they were reporting a significantly higher balance owed of {$3600.00}. In their correspondence they provided no explanation for this inaccurate reporting. Additionally, on XX/XX/XXXX, they updated the balance so it was even higher - now reporting it at {$3700.00}. 

Additionally, they are reporting the account as being opened in XX/XX/XXXX when they specifically note in their letter that the account is fromXX/XX/XXXX. They are attempting to extort more money from me by reporting falsely to the credit bureaj
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit card

I was given a credit card with 0 % apr for purchases made with the card which ends in  XXXX  of  XXXX . I was also given a 0 % pr for balance transfers that is good until  XXXX   XXXX . I used the card to purchased  XXXX  high end items totaling almo st 600  dollars that did n't work out and need to be returned. Once the items were returned discover credited the refund to by balance transfer amount and not my total purchase amount which in turn is making me pay an extra  XXXX  dollars toward my purchase balance that will need to be paid off by  XXXX  in order not to be charged interest. Honestly after trying to rectify the problem with discover with no avail I feel like this promotion is a scam to real customers in to make purchases and if for any reason you need to return the purchases you can but at a higher price to pay.
Product: Mortgage

I entered into a short sale process on my home with XXXX  XXXX XXXX in XX/XX/XXXX. I took the time to submit all required financial statements, all documents requested, appraisal was done on the property, and in XX/XX/XXXX before providing a decision on the short sale XXXX  XXXX XXXX transferred my loan to SLS. All of the documents were transferred over to SLS for them to begin their review. After providing any additional information, it took months for SLS to finally approve me for a short sale which they did. Now they have to approve the contract that is in for the property which we were told could take up to 30 days. More than 30 days passed and SLS still would not issue a decision and requested another appraisal be done. A BPO agent went to the property on XX/XX/XXXX to do the appraisal requested. I have still not heard anything regarding a decision from SLS and Fear that I am going to lose the buyer due to their continued lack of attention to this case. I feel that SLS is intentionally delaying the short sale and is acting in bad faith. They have had everything they need to issue a decision for quite some time now. I have now been waiting for 7 months for a decision - 5 of those have been with my file is the hands of SLS and in the meantime my credit continues to suffer and my property continues to decline as it is no longer being maintained.
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report involving accounts that do not belong to me and for which I have no knowledge, relationship, or prior authorization. The accounts in question are reported by XXXX XXXX XXXX ( Account Number : XXXX ) andXX/XX/XXXXXXXX XXXX ( Account Number : XXXX ). 

These accounts appear to have been placed on my credit report without my explicit written consent, which violates the permissible purpose requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. I have never engaged in any transaction or relationship with either XXXX XXXX XXXX or XXXX XXXX XXXX that would justify these accounts being reported. 

In addition, I have never provided written authorization for these entities to access or report information on my credit report. I believe this is a clear violation of my rights under the FCRA. I have attempted to address these inaccuracies by disputing them with the credit reporting agencies, but the accounts remain on my credit report despite their lack of verification or validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to Experian to remove a 60 day late fee charge that was incorrect. Spoke to the company XXXX XXXX and they agree that 60 day late report should be removed and all late fees but 5 late payments. Experian refuse to change or update report with documents that was provided
Product: Credit reporting, credit repair services, or other personal consumer reports

there are too many dates to list but i have on multiple occasions contacted XXXX reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified. 
i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet XXXX seems to willfully non comply