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

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request removal of below listed hard inquiries as the listed companies did not obtain written authorization to pull my credit. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XX/XX/2017 I have been fighting this and I have credit fraud someone tried to buy a car in my name at 5 places can you please delete this
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes. 
particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

This is regarding online purchase of a product from Amazon, USA. I am prime member of Amazon and I was planning to buy an XXXX for self and proceeding to check out. 

When I added the item to the cart, XXXX website prompted me with a offer to Apply for a credit card to get instant XXXX $ discount upon approval. System showed me the details Product price is {$240.00}, after approval I would be eligible for {$70.00} discount immediately and final amount I would have to pay is {$170.00}. 

I found the deal interesting assuming that I would get an instant approval or rejected option and purchase the item. 

Then I went ahead and filled all details on Amazon website to apply for the Amazon credit card to avail the discount. 

When I submitted the application, to my surprise I got a message that my application would be reviewed and the status would be notified within 30 days. 

I think this is clear case of misleading the customers. Website says instant discount upon approval. So any normal mind person would think the status would be notified immediately. If it has to take 30 days then why would someone wait for 30 days to purchase a product. Hence I wanted to cancel my application. 

I made multiple calls to amazon customer care and spoke with XXXX ( team lead ), XXXX, XXXX and XXXX ( Lead ). 

They were helpless and connected me to XXXX. XXXX executives asked to contact Chase Bank. Chase Bank executive ( XXXX ) said she is helpless. My application is still in pending status and ca n't be canceled. She asked to circle back and contact Amazon customer care to get a clarity on such discount information displayed on their website. 

Since 1 hour I am struggling with everyone to get my application canceled. I do n't want my credit card get approved as I ca n't take benefit of the deal after 30 days. 

I believe this a clear misleading information to encourage customer to apply for credit card and once it 's submitted, customer does not get any benefit since card goes for an approval process which may get delayed by 30 days. 

I request you to please help and get my application canceled and also please ensure such misleading information is controlled.
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXXXXXX XXXX XXXX
Product: Credit card

Chase Bank charged interest on my XXXX XXXX, XXXX statement. My starting balance for this period was {$3000.00}, my payments made during this duration totaled {$3100.00} for a payment that was in excess of the starting balance. I was charged interest of {$30.00} on XXXX XXXX for the statement period in which I paid over and above my balance. 

I contacted Chase on this matter and was told that they practice " Two Cycle Billing '' by XXXX different agents ( XXXX & XXXX ). I explained to them that there was already an interest charge on the prior statement for the ~ {$100.00} shortage in payment on my end but that I had paid in full for this statement period. XXXX agents proceeded to describe their double cycle billing and informed me that this was Chase ' policy to charge interest for two billing cycles when there is a month in which the entire balance is unpaid. They described this as a " loss of grace period ''. 
Per my reading of the CARD Act of XXXX, this is prohibited ( FTC link to CARD Act below ). I spoke with a manager ( XXXX ) at Chase and informed him of the provisions in the CARD Act prohibiting Double Cycle Billing, he silently agreed and promptly removed the interest charge from my account. 

Link to CARD Act : XXXX
Product: Debt collection

We have received repeated calls from this number to my fathers land line. Recorded messages have repeatedly been left on my fathers answering machine, heard by both of us as the answering machine broadcasts all answered messages. I am not sure who they are trying to contact, me or my father, since I have not spoken with them as of yet, however the breach of privacy concerns me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX of XXXX I received a letter from XXXX XXXX XXXX dated on XXXX XXXX, with reference number XXXX, asking me to call at XXXX XXXX XXXX to verify that I submitted a credit card application. 
They explained to me that the Credit Card Application includes my personal information which they used to run a credit report. I noticed that the letter is not Signed for any customer service Representative. However, I called and the person on the phone asked me for my SSN and DOB that I denied to her. I just explained to her that I never applied for a credit card to XXXX XXXX XXXXXXXX. 
Later I went to check my Experian credit report and I found out that I had a Hard Inquire on my record. I just want this hard inquire to be removed from my record, because this situation affects any transaction I need to do later about refinance or credit needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income 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 how this could happened but these items are not mine and they all need to be deleted from my credit report. I have contacted FTC and the police. I'm doing this on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, 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. INQUIRIES : 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

I am writing this due to the non compliance of ( XXXX XXXX, transunion ). They have failed to remove information that I have challenged in the past and I strongly believe they are in violation of the FCRA and they are outright not upholding the law.
Product: Credit card

My husband and I were recently in XXXX and while XXXX can be challenging at times due to mostly banks concerned over fraud. My PayPal XXXX overstepped their bounds. My problems with them started when I got a new card from them with my name change due to marriage. Not one transaction has gone through since I received my new card with my new last name, even though that same XXXX they upped my limit. Fast forward three weeks and while in XXXX I wanted to use the card and after spending over 30 mins on the phone with them I was was told everything was good with the card and the representative even told me to go and enjoy XXXX. This was my first time to XXXX and I was excited to explore and shop in this amazing city. Well at lunch the card was declined, I was so embarrassed. Rather than leave the hotel we decided to go up to the room and figure out what was the issue now. On hold with XXXX call center for 45 mins l was livid but again assured that the problem was fixed and that we would have any further embarrassing lunches. My husband and I went to go do a little shopping and with trepidation pulled out my PayPal XXXX and again an embarrassing decline. Now I am mad and upset. They have lied to me, taken up precious time we had in XXXX on the phone ( mostly on hold ) with them, and frankly extremely embarrassed. As to not ruin the rest of our day we put that card away and we decided to call them once we return to the hotel. I was n't feeling so I gave my husband who is an authorized user on the account talk to customer service and figure out what is going on. After they put him on hold for over 50 mins he had reached his boiling point too. But to my surprise he said to the rep that he wanted to close the account and hung up the phone. I understood his frustration but did n't think much of it because they could n't close MY account without MY permission. Come to find out I was wrong. They closed MY account and they they took no responsibility for us wasting 4 hour on the phone on my XXXX trip to XXXX on the phone with them trying to spend money and use the new credit line they had just bumped up for " being a loyal client. '' This is n't legal or right and I wo n't take this lying down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still some problems. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3 credit bureaus are required to verify these items. I'm hopeful that these contentious issues will be resolved as quickly as feasible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo, credit services department refuses to provide me with my 2 charge-off credit card accounts, ( XXXX XXXX XXXX and XXXX XXXX accounts- XXXX XXXX 1099-C for both credit cards. So, I may file my taxes with the IRS. Wells Fargo is making it very difficult to receive my 1099 forms. I would have to also report them to the IRS so they may reach out to them with the information.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XX/XX/1974 the Privacy Act of XX/XX/1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

XXXX XXXX P. account number # XXXX {$320.00} XXXX XXXX Quick sliver account # XXXX {$610.00} XXXX XXXX Bank Account # XXXX {$910.00} XXXX XXXX Bank account # XXXX {$680.00} XXXX XXXX XXXX services account # XXXX {$940.00} XXXX account {$740.00}
Product: Mortgage

My mortgage was originally closed with XXXX XXXX XXXX XXXX ( purchase and closed on XX/XX/2021 ). They sold the loan and servicing was given to Select Portfolio Servicing. From inception it has been a nightmare and the list of errors are below : 1. They did not apply my additional payments toward principal correctly. 
2. I set up auto pay in XX/XX/2021 to start effective XX/XX/2021. They never withdrew money and on XXXX XXXX cancelled due to my failure to make payments -WHICH NEVER HAPPENED. I made my payments timely in XXXX, XXXX, and XXXX. And in fact made additional payments toward principal. 
3. I am not sure if my credit will be affected because of item number 2 above which is incorrect. 
4. My account is set up with escrows for taxes and insurance. However just yesterday the account representative told me it was not. My account was set up for escrows and I have the written proof. 
5. Select portfolio failed to make my property tax payments which were due XX/XX/2021.
Product: Debt collection

I found out about this debt through my credit reports. Original Creditor was XXXX XXXX XXXX for {$170.00}. I was never notified about this debt. No attempts we made to Inform me about this account which was opened without my knowledge and authorization. After calling RGS financial about this account, I found that they had the incorrect mailing address which we proceeded to update to my new address. After looking into this account further, this account was opened fraudulently several years ago.
Product: Checking or savings account

I opened this account and I got a letter stating it was a Class Action Act because they didn't pay the full amount on % returns.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX 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 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, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts i have Marked as inaccurate. 



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

Eye would like for the non-affiliated third party consumer reporting agencies such as XXXX, XXXX and equifax to produce the personal responsibility contracts, contractual obligations and/or partnership that Eye as the Natural Living Man established with them before since that already had personal information about me established in their database system before Eye was birth by the Natural Living Woman! Please be advised that everything is contractual in Nature, so when did Eye grant such financial institutions the privilege to benefit off of my sweat equity, property and intellectual property? Provide the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge and records, the following accounts do not belong to me and/or are fraudulent.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.

***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please see my attached dispute letter, Id, and fraud affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX aka verisk financial about inaccurate information on my credits report but they refused to address the issue. XXXX make me go in circle instead of addressing the issue. 
They admitted that they did not have a proof that the information belong to me since they obtain the information via " obtained from a publicly available source ''. If that is so how did XXXX know that the information belong to me without having 10 percent of my personal information. They must delete the information or proof beyond doubt that those information belong to me by producing the same Address, Date of birth, Social security number. Otherwise they should refrain from furnishing wrong information to my credit files. 
I attached their response below. Which is insincere and circular argument letter I never seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by portfolio recovery associates LLC phone # XXXX- XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE AND REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.