23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX i made claim out to Wells Fargo that my online and debit cards were compromised as there was muitiple transactions and withdrawals out my account that were not authorized along side of me not being able to log into my account and they have refereed the problem to claims department where they didnt even review it then denied my claim never sent a letter of why they did or wether a investigation took place then they referred the problem to the high dollar fraud team in which they dont have a phone number to and no one from the company has been able to access the so known high dollar fraud team as weeks go by I continue calling claims center where they say they dont have acess to my claim as its being handled by high dollar fraud then months later I get a phone call from the branch I made a complaint to and they said oh its out of the time line we cant do anything to get your money back so I am out about XXXX and the account was in the negative since they didnt want solve the problem and kept charging me. This is legal theft by a broken financial system that hires third party companies to take care of their call centers and loop people back and forth to give up on getting their money back while god knows where all the money goes
Product: Debt collection

The original creditor is workout anytime XXXX for a balance of XXXX. My final balance was as follows per an email to me on XXXX/XXXX/2016 : Contract payment {$45.00} Late/Service fees Cancellation fee Total Due to Cancel {$45.00} Cancel date XXXX/XXXX/16 The payment was to be drafted from my checking account which is active to date. I am not sure why it was not nor was I contacted regarding any issues. I had no idea this was a problem until I received a collection letter from Seas and Associates.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

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

I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with XXXX and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police report
Product: Money transfer, virtual currency, or money service

The company cash app telling y'all they can't verify me but when I call they can verify me I was scammed and cash app should pay I didn't receive my stuff
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   is reporting misleading credit information information about me to Experian. My  Lease  was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  XXXX .
Product: Credit card or prepaid card

I was sent letter I was pre-approved for a BBVA ClearPoints Credit Card. 
I applied on line. 
Website advised was declined and they would send me a letter with explanation. 
I received a letter dated XX/XX/2018 that said " unable to verify your identity ''. 

APPLICATION ID XXXX I called them at the number for questions that was on the letter and was told that they tried to call me " on a mobile number '' to text me a code to send back to them and that is the ONLY WAY that they will verify identity! I DO have a landline.

( 1 ) I am not able to get a signal on my cell phone at my residence which is in a valley among several mountains-can only use it when I go to town or on a trip.

( 2 ) I am XXXX years old and I don't even know how to text!

( 3 ) The letter said the denial was NOT based on information from a consumer reporting agency.

I talked to 4 different departments and they all said adamantly the mobile phone was the ONLY way would verify identity.
Product: Debt collection

based on information and belief this is not my account. never received any notice of this alleged debt. ID Theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX- XXXX XXXX Credit Limit- {$8500.00} This is being report inaccurate on my XXXX and Transunion credit report. It shows up on two out of three. XXXX does not show this on my credit report. This is an violation of the

Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 )
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

On XXXX XXXX I received a letter in the mail from Arnold Scott Harris, P.C in an attempt to collect a debt I allegedly owe to the Illinois Tollway ( I do not owe this debt ) On XXXX XXXX, my credit card was charged in the amount of {$170.00} by XXXX XXXX, I did not authorize this transaction, I 've never had a conversation with this firm, I did not give them my credit card information, which is alarming because I do not know how they got this information. I called to inquire and she told me to fax my credit card statement to show the transaction and make sure the credit card number is on it so she can investigate ( I of course did not do that )
Product: Credit reporting

Transunion has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for credit.
Product: Debt collection

MCA Management company {$63.00} opened XXXX XXXX not acknowledged about this account at all I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items  that appear on my credit report as : 1. ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete. 2. ACCOUNT NAME : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, {$28.00} This account is a duplicate never showed proof of claim error please delete. 3. ACCOUNT NAME : XXXX # XXXX ACC BAL {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to update and remove the disputed items in my credit report I sent in dispute on XX/XX/XXXX and still no response or correction has Been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with US DEPT ED, JPMCB XXXX, and USDOE/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, JPMCB CARD, and USDOE/XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to extend the temporary lift on my credit freeze ( set to expire XX/XX/XXXX ) so I can close on a house ( XX/XX/XXXX ). 

I have been attempting to lift a credit freeze today ( XX/XX/XXXX ) through the experian website. They do not recognize my address as a valid format, and/or they simply don't have the information they need to process the data. 

The message on their website states " you would like further assistance in removing your Freeze, please contact us at XXXX. '' First of all, that is not a real phone number. Second, calling that number lands me in a recorded message loop wherein no option gets me to a representative, nor does any option allow for a credit lift of any kind. I also attempted to call the numbers on their " contact us '' link and their " customer support. '' When each of those numbers redirected me to the same robot-maze, I XXXX " how to speak to a human at experian '' and tried two additional numbers. Each number bounced me to the same menu. 

I have selected literally every option on the menu. I have not been able to speak to a person, I have not been able to lift a freeze ( or even try to do so ), I have not found anything that can help me. It has hung up on me twice and twice told me to mail a large amount of information to an address " to place a credit freeze '' -- not what I am attempting to do. 

I have a XXXX XXXX in XXXX XXXX. If I can't get this information, how on earth can a less-educated individual? I have managed to lift my freeze at both other agencies relatively simply. I do not like that Experian has control over all of my data and I have no way to contact them about issues. 

I have also filed a complaint with the XXXX.
Product: Credit reporting or other personal consumer reports

I recently sent a dispute to experian for XXXX XXXX account # XXXX And experian has failed to complete an investigation you have verified this account however its still reporting innacuratley how does this happen after an investigation? Experian did not Provide me with method of verification of how they verified this account experian still keeps reporting erroneous information payment status how can an account be reported as 120days late and 180 days late at the same time also last reported date this account was disputed in XXXX why is the last reported date in XXXX? how can an account be investigated without being reviewed. I am requesting that this account be deleted immediately for violation of the FCRA.
Product: Checking or savings account

Bank of America se nt me a letter stating that I will not be charged a maintenance fee as long that I was in rolled in a cash back deal. But I 'm getting charged a {$5.00} fee anyways.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian closed 1 while working on another but there the same and this also as REQUESTED WILL BE FORWARDED TO THE DOJ
Product: Money transfer, virtual currency, or money service

I have tried countless times to resolve dispute XXXX with PayPal. PayPal never reached out to the merchant to submit documents to the credit card company. I personally got information from my credit card company to complete this process and passed it on to the merchant. 
Now the dispute has been settled since XX/XX/2020 and the funds disputed {$5000.00} have been applied back to PayPal but they have ignored to resolve the dispute by crediting the merchant these funds. 
When contacting PayPal they give you standard messages which have nothing to do with resolving the problem. I will not accept these standard messages with this complaint I'm filing here, they simply need to do their job. 
Everything on my end is in order with the credit card company. PayPal needs to resolve their side asap. I will enclose documentation from my card issuer XXXX XXXX of the outcome of the dispute and the applied charges back. PayPal should have received a similar letter awhile ago. 
I have a good relationship with my merchant and they do not deserve to be waiting for funds when the product has been shipped. They need this resolved so they can conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide XXXX XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on Experian and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. There are too many inconsistencies in my report : I need you to delete it, please, is something against the law.
Product: Debt collection

ALLIED COLLECTION SERVICES XXXX XXXX XXXXXXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

I paid ( deposit + final ) a Food Truck for catering an event using XXXX ( attached to a Chase Visa Credit Card ). Visa/Chase recently changed these payments to be classified as " Cash Advances '', which accrue a hefty fees/interest. 

There was no communication from the bank before this change was made, and I'm sure Visa & Chase are profiting heavily from it. 

XX/XX/2022 XXXX Miscellaneous Cash Advance {$140.00} XX/XX/2022 TRANSACTION FEE Fee {$15.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$1.00} XX/XX/202XXXX XXXX* Miscellaneous Cash Advance {$510.00} XX/XX/2022 TRANSACTION FEE Fee {$25.00} XX/XX/2022 CASH ADVANCE INTEREST CHA Fee {$11.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, Equifax & XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXXXXXX XXXX XXXX add a derogatory mark on my credit report per credit XXXX  and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXXXXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate on a new car. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Prepaid card

prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card.
Product: Credit reporting or other personal consumer reports

Credit card had identity theft. They referred me to XXXX XXXX XXXX XXXX to work out. I paid a fee and Chase just charged off and reported even though identity theft. 
The Chase vendor assured me that would not happen at enrollment