23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I was charged on 2 separate credit cards by XXXX in XXXX, TN for a contract to begin working with their XXXX XXXX XXXX. 

I soon realized the company was engaging in misleading practices as well as activities that are illegal in my state of South Carolina. I spoke with 2 attorneys, both which advised me as such, and one which sent a letter to XXXX demanding my money be refunded. XXXX refused. 

So on XX/XX/XXXX, I filed disputes of the charges with each of the credit card companies. I received a response from one of those on XX/XX/XXXX that the investigation was complete and they decided in my favor. 

On XX/XX/XXXX, I received a response from the 2nd company, for which the charge was half the amount ( {$5000.00} ) of the 1st one, stating " After investigating your dispute, based on the information provided we have come to the conclusion that we are unable to assist you at this time. We previously requested necessary documentation including a copy of an invoice or contract for the charge and we did not receive a complete response to our request. In order for us to assist you further with this dispute, please provide the date you contacted the merchant to request for refund along with their response. Lastly, please indicate the date on which you advised the merchant to pick up any materials that you received or deleted any software or digital content, if you received from the merchant along with the merchant 's response to your request for credit. '' Very confused by this letter, as I had spent hours speaking with 2 attorneys, researching, and providing documentation to show what had happened, I contacted Citi by phone on XX/XX/XXXX. They confirmed they received my response to this request on XX/XX/XXXX and stated they would consider my request to re-open the dispute and respond within 10 business days.

The way this is being handled is completely unacceptable. I have already waited for about 2.5 months and should not have to wait another 10 days when I have done all that has been asked of me, contrary to Citi 's claims in the letter. And it's inconceivable that there would be such drastic responses between 2 companies for the exact same issue, and in fact, a response like this from the company with much less of a charge.

I have attached the documentation Citi confirmed receipt of here with yellow highlights showing the information they claimed that I did not provide. The question this leaves me with is this -- Is Citi also attempting dishonest practices to hold me to these charges? Or are the employees handling the investigation so inept as to not read the information I sent and see where those things that were requested were provided? Either way, there are some serious problems here, and I wonder how many other consumers are being treated this way as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We have been trying to get a short sale approved since XX/XX/2019. We gave complete all paperwork and follow the instructions of the servicer SPS. They advised us that the XXXX came in at XXXX and we need to net 80 % of the value. We did this and the net was XXXX. We got this with a XXXX purchase price. The servicers came back and said the price was too low. This would have been our third offer, so we have asked them to give us a counteroffer and they constantly say they can not provide this to us. We have been going round and round. If you can please assist us with getting a counteroffer so we can please get this short sale approved and closed. The investor on the property is XXXX XXXX XXXX XXXX, as indenture trustee. Attention : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax numerous of times as well as sent certified docs to update my address so I can refinance with my bank. Most recent was today XX/XX/2023. The supervisor advises the same thing theyve been saying for over a month now! No documents has been received, please resend information Something needs to be done about this. Im considering contacting a Lawyer to get this rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!
Product: Credit reporting

I filed a dispute with Equifax regarding XXXX Account XXXX. This is an apartment complex : XXXX, XXXX , FL XXXX ( XXXX ) XXXX. I called the apartment complex to inquire why they have reported me to a credit bureau. They have no record of this debt. When I disputed it with Equifax , Equifax responded by saying XXXX XXXX XXXX confirmed it is legitimate. I have not received due diligence from Equifax in investigating this.
Product: Credit reporting or other personal consumer reports

The following accounts have been removed under the XXXX XXXX XXXX XXXX due to XXXX. Please follow suit and remove accounts as well so that my consumer reports are reporting accurate information across all XXXX XXXX  consumer reports. Please see attachments for proof. ACCOUNTS : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Mortgage

On review of my account I discovered Rushmore fraudulently posted a withdrawal of {$45000.00} against my account on XX/XX/18. I've contacted them to resolve, they submitted a research request by their Collections Department, there has been no resolution on this issue. The company does not have a proactive method described to me for follow-up and its incumbent on me to pursue resolution with them. They have not reversed this payment from my account. The withdrawal shows it was made with check number XXXX, I have a blank check with that number in my possession.
Product: Payday loan, title loan, personal loan, or advance loan

this account closed in XX/XX/XXXX according to XXXX {$1.00}, XXXX. Since that time I have received over {$500.00} dollars in additional fees that MARINER FINANCE refused to tell me about. Bring the total to {$2.00}, XXXX I would like a itemized of all the charges to this account from the XX/XX/XXXX until now.
Product: Debt collection

CMRE Financial Services is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable immediately.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they were made without my permission, consent, inquires. Capital One XX/XX/XXXX, XXXX or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>, XXXX Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXXXXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these account is fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for its failure to conduct a thorough investigation into inaccurate items on my credit report and its lack of response to my inquiries, despite repeated requests and provision of necessary documentation. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I diligently submitted dispute letters to Equifax, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts and inclusion of all necessary documentation, including a copy of my photo ID, social security card, and recent bill with my current address, Equifax has neglected to conduct an investigation into the disputed items. 

Furthermore, I sent another dispute letter on XX/XX/XXXX, to Equifax, requesting details on how they verify the accuracy of information on my credit report. I asked for specifics such as the date of verification with the creditor and the furnisher, contact information of the creditor and the furnisher, the name of the person who verified the information, the method of communication used for verification, and whether the creditor and the furnisher provided my Date of Birth, SSN, and Address. Despite providing ample evidence to verify my identity and address, Equifax has failed to respond to my inquiry. 

As per the FCRA, credit bureaus are required to investigate disputed items upon receipt of a valid dispute from the consumer. Equifax 's failure to conduct a thorough investigation into the disputed items on my credit report and its lack of response to my inquiries are violations of my consumer rights. As a consumer, I have the right to know how information on my credit report is verified and to receive timely and accurate responses to my disputes and inquiries.
Product: Checking or savings account

On XX/XX/2020 I closed my account with KeyBank due to their deceptive, unfair, and abusive acts and practices. Despite my account closure, I continue to receive account servicing notices from the bank. In the notices, I have no option to opt out of their communications. While they are account servicing notifications, and not marketing materials ( which would require opt out ), I DO NOT wish to continue to receive any communications from KeyBank. I would like to be put on their opt out lists for all communications, and have their internal controls ensure that they are not sending notifications to non-customers. Can the CFPB please help to enforce regulatory action against this bank, that continues to violate internal procedures and external laws and regulations?
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by Experian. This has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to clear this collection with Midland for almost a year now. I do not owe the debt to synchrony bank. 

Midland Funding Llc Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XX/XX/XXXX