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

I have a business and a personal account with Chase, and they have caused me to become negative in my account with their overdraft fees, monthly charges and adding charges that I disputed several months later. I had several items that were charged to me that should have never been taken out, so I filed a dispute with Chase. They gave me my money back, then they would call me and tell me that everything was fine and they would inform me if any further information will be required. Several months go by, and I thought everything was fine, than out of no where they charge me a ton of debits from those items that I should have never been charged. I tried to call, and I am on hold for hours. Finally, once I was able to get a live rep, they tell me that I can no longer dispute it because I did not contact them back in time. I tell them how I did call, on several occasions, but the Chase dispute rep. tells me sorry I have to now pay the charges even they are not mine and I have to pay any overdraft charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX XX/XX/2023 which is an auto finance inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  {$540.00} account number XXXX XXXX XXXXXXXX XXXX XXXX  {$870.00} account number XXXX XXXX. XXXX XXXX XXXX  {$410.00} Account number XXXX XXXX. XXXX XXXX XXXX BANK {$430.00} account number XXXX XXXX. XXXX {$660.00} account number XXXX XXXX. XXXX XXXX XXXX  {$910.00} account number XXXX XXXX. XXXX XXXX XXXX {$990.00} account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX {$9300.00} account number XXXX XXXX. XXXX XXXX {$470.00} account number XXXX XXXX. XXXX XXXX XXXX  {$240.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} account number XXXX XXXX. XXXX XXXX XXXX XXXX {$1300.00} account number XXXX XXXX Credit usage {$450.00} account number XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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.

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.

The accounts list in the above paragraph 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 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, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the XXXX  XXXX XXXX account of my credit report.
Product: Debt collection

At XXXX XXXX CST on XX/XX/18 I received a call from a man who said he was with CSG. I asked him what CSG what that was and he said our office in XXXX, Georgia. He said he was calling me in regards to a file he had in his office and he was wanting to resolve it before they proceeded with further legal actions against me both criminal and civil. he never once identified himself as a debt collector or advised any information would be used for that purpose. He went on to say that he was representing Certegy and that they had three debts I needed to pay. The amounts he gave me were {$380.00}, {$250.00} and the other he trailed off on. He said he wanted to provide me the chance to resolve these before they proceeded against me. I have previously spoken to Certegy and the balances are no where near this. I advised him that he was incorrect and he got verbally pushy. I told him he was violating my rights and hung up on him.
Product: Mortgage

I received my tax bill from the county and found that I was paying double the tax I was assessed. I called ROUNDPOINT Mortgaging Servicing Corporation and I was told that I am going to receive a check for {$1900.00} and that my mortgage payment would decrease from {$1000.00} to {$900.00} ( and change ). I was also told that it would be sent through the mail to my personal address by the XXXX of XXXX. This call was made around the XXXX. I received a call a few days later and the representative on the phone told me that I would be receiving {$1300.00} ( I don't have the exact amount ) and they didn't say anything further about my decreased mortgage payment. I received another call from them saying that my refund would be {$800.00} ( I don't have the exact amount but it was XXXX dollars and something ). They indicated to me, at the beginning of each call, that the call would be recorded. The information I have provided should be available on their recorded line.
Product: Credit reporting, credit repair services, 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 XXXX Account NumbeXXXX : XXXX has violated my rights. Or 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

I am filing this complaint regarding multiple inaccurate inquiries that Experian is reporting on my credit report. These inquiries are not authorized by me, nor are they associated with any of my current accounts. Their presence on my credit report is negatively impacting my creditworthiness. Despite my efforts to resolve this matter directly with Experian, the inaccurate inquiries remain on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include instances where I have applied for credit, employment, insurance, or explicitly consented to the inquiry. The inquiries in question do not meet these criteria, and their inclusion on my credit report constitutes a violation of the FCRA.

Additionally, under FCRA Section 1681i, Experian is obligated to investigate and correct inaccuracies on consumer reports. I have disputed the unauthorized inquiries multiple times, but no corrective action has been taken. This failure further violates Experians legal obligation to ensure the accuracy of the information it reports. 

The presence of these unauthorized inquiries, which are unrelated to any of my existing accounts, creates an inaccurate and misleading impression of my financial behavior. Excessive and unauthorized inquiries can unfairly lower credit scores, causing undue harm to my credit profile and financial standing.

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians failure to address my disputes regarding unauthorized inquiries.

I seek the immediate removal of all unauthorized and inaccurate inquiries, particularly those not associated with any of my current accounts, to comply with FCRA requirements.

I request a formal response from Experian explaining the actions taken to address this matter and ensuring the prevention of similar issues in the future.

Experians failure to investigate and correct these inaccuracies undermines the integrity of the credit reporting system and violates federal consumer protection laws. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 tracking the transactions was unfeasible. The PFBCs 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: Debt collection

Account information is inaccurate Date Opened is Inaccurate High Credit is Inaccurate Comments/Remarks are Inaccurate Payment History is Inaccurate
Product: Debt collection

On XX/XX/year>, SUNRISE CREDIT SERVICE ( hereinafter SCS ) erroneously submitted a a collection to the XXXX, Transition and XXXX. Immediately, I submitted a letter of verification from this company requesting i.e. Verification, Validation, Original Contract, Payment History of the person they accused me of being. I did not receive a response. 

In this letter I informed them to cease all communication with me in regards to the identity theft this company was participating in. I also informed them that this debt was fraudulent and already removed from my credit report in the past. In last I informed them that I will file a police report against them for identity theft. 

This account XXXX XXXX XXXX XXXX indicates that this XXXX mobility account was opened XX/XX/year>. This clearly demonstrates that the Credit Bureau failed to adhere to there Metro 2 Standards and the FDCR regulations as well as SCS blatantly committing financial fraud.

* The financial law clearly states that a delinquent account only becomes worthy of credit debt 90 days after failure to make a payment. Herein, if a account was opened in XXXX it would be worthy of becoming collective debt until XXXX. This clearly shows negligence on SCS behalf with intent to defraud the credit bureau. In light of that the credit bureau are consistently failure consumers by allowing such negligence to ruin, damage and harm credit profiles. In particular, the credit bureau has penalize my fido score and WOULD NOT reinstate the points taken for this error after its deleted. 

More so, I have never done business with this entity. The account also doesn't have a payment history. 

The Credit Bureau has failed me tremendously and wish to hold them accountable for such action.
Product: Checking or savings account

Opened unauthorized transaction dispute on XX/XX/year> for amount of {$2900.00} and {$4800.00} They closed claim on XX/XX/year> rejecting claim, and deemed not fraud.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX  account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information XXXX XXXX is reporting to the XXXX XXXX and transunion according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from XXXX XXXX and XXXXit is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
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Product: Debt collection

I received a letter for a federal debt ( which I disputed and maintain I did not owe ) yet I paid the debt for which I was charged. While I paid the debt on XX/XX/year> and provided proof of payment the debt remains on my credit report and XXXX is refusing to remove the debt and has confirmed that I still owe the federal debt. 

I previously made several attempts, to no avail, to resolve this matter through XXXX Debt and Claims Management office of the XXXX branch. I was referred to Dept of Treasury for resolution and Treasury referred me back to XXXX for resolution. Despite having submitted proof of payment no one is taking action to remove the debt from my record which results in a negative impact on me. 

On XX/XX/scrub>XXXX XXXX  I received a letter from Dept of Treasury stating I owed the US Government ( XXXX ) {$820.00}. I submitted payment in full on XX/XX/scrub>XXXX XXXX XXXX  via the online XXXX XXXX 

On XX/XX/scrub> XXXX XXXX Treasury issued a letter indicating they were reducing a payment to my account by {$630.00} due to an unpaid debt to XXXX. On XX/XX/year>, I contacted XXXX regarding the matter and they referred me to Treasury since the payment was made to them. Treasury stated the account was referred to XXXX XXXX XXXX because XXXX failed to pull the account. Treasury referred me back to XXXX and XXXX referred me back to Treasury because they could not pull the account from Treasury. 

On XX/XX/scrub> XXXX XXXX  The XXXX representative assigned to my case advised me that while they received a treasury offset on XX/XX/XXXX, it had been reversed on XX/XX/scrub>XXXX XXXX meaning IRS took the money back. Though I did not receive the funds back Treasury. 

I have now paid {$820.00} in full and was offset {$630.00} by Treasury for the same debt. My credit record now shows I owe ConServe Debt Collection {$1400.00} ( including administrative costs ) for the same debt. 

I want this matter resolved and removed from my record. I would also like a refund of the excess payment. This matter had been grossly mishandled by the parties involved.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 60 days late starting XX/XX/2018 ( all  3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Product: Debt collection

I submitted Verifcation of Debt letter, sent by certified mail. In my request I did not receive any debt information at all on the debt, therefore I am resubmitting another CFPB complaint.

In this complaint I am asking for a copy of the Original Signed Contract of the alledged debt. I do want any billing statement, interest statements, or letters with company letter heads, etc. Only, the copy of the Original Signed Contract The debt was sold by the Original Creditor, thus selling the alledged debt. The debt was eridicated once sold to the collection agency. Thus violating the original contract agreement with the original creditor.

PLEASE, PROVIDE ME A COPY OF THE ORIGINAL SIGNED CONTRACT. aND NOTHING ELSE, NO BILLING STATEMENTS, NO INTEREST RATE INFORMATION AT ALL, NO COMPANY LETTER HEADS WITH XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The account they are reporting to my credit report is in accurate. The account in question is a XXXX XXXX  XXXX XXXX  XXXX  Also A XXXX XXXX XXXX XXXX  account. I never lived in the state of New York and thats where they said the account was opened at. Also the name of the account was a different spelling than my legal actual name. I need these accounts removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 Balance : {$820.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

1. tried to transfer money into coinbase XXXX  2. clicked the wrong button and knew this transaction would fail so I left all of the money in Coinbase XXXX  so it could be retrieved back by them once it failed 3. they are now trying to collect the money through a different website ( Coinbase regular ) and threatening to liquidate my holdings. They have not given me any option to use the actual money mentioned in point 2 sitting in coinbase XXXX which is from the actual platform the money was transferred, perfectly viable, and the right amount to settle all funds/clawback. I have spent several frustrating hours on their support line to try and fix this bug/issue with their system with over 7 support representatives. 
4. Given everything stated above, they are making the only way to resolve to send MORE money. They already have their money in coinbase XXXX so this is not necessary or ethical.
Product: Credit reporting or other personal consumer reports

1026.11 Treatment of credit balances ; account termination. 

Thank you for taking the time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a 100 % paid closed account as of XX/XX/2023 and would like to ask for consent of deletion of this hard inquiry to all three credit bureaus. My family has been a member of Sams Club for 13 years. During the pandemic, I was advised by a store associate to apply for a store credit card at my local Sams Club, I proceeded with the application and was approved for a store credit card. During the pandemic I fell sick to XXXX XXXX, spent weeks in the hospital and was laid off work. It became very difficult to maintain and keep up with credit card payments. The only negative inquiries tied to this account were a late payment in XXXX and XXXX of 2023. I have always been an exceptional customer of Sams Club, and this negative inquiry has made it extremely hard for my family to apply for new credit and receive higher approval chances for financing a new home. Please consider writing letter to delete this closed account from my credit report to XXXX, XXXX, and XXXX. I have always been a happy customer of Sams Club and I hope I can continue that relationship with you. Thanks! 

Kind Regards, : )
Product: Mortgage

Company responded stating that the prepayment fee structure they imposed on me " is standard for a 5 year business loan ''. 
This statement is not true as I have the paperwork from when we took the first note with Associated bank. Initially we were promised a 5 year note on the first note back in XXXX. On that note it says that the pre-payment penalty is equal to 2 % of the outstanding principal amount. As a consumer we do not know their " practices ''. If I did not have the paper from XXXX I wold have not known that they are misleading me now on their response from XX/XX/XXXX XXXX
Product: Vehicle loan or lease

First I would say Santander is a loan shark company as I have been paying over 20 % interest on a lemon a car I havent even been driving. They blocked me out of my account online forcing me to pay over the phone but when I pay over the phone my payment is posted 24-48 hrs later they made a mistake on a previous ACH payment. Im NOT working Im A XXXX veteran and Im Not even driving the car because Ive had to pay all kinds of maintenance fees in repairs. My son who is serving overseas left me his car. In the meantime I am expecting a payment from my former employer because I was wrongfully terminated in 2014 ended up homeless lost my house and needed a car. My case was in litigation at the XXXX for more than 5 years and I just got a decision on XXXX XXXX but they still had not paid me as I was declared a federal whistle blower for reporting patient neglect. I was expecting a payout so I called Santander to request the payoff amount noting they are supposed to have programs for people with financial problems! I asked the rep to take off the late payments she then says I have good payment history and then turned around and retroactively posted the late payments that are posted late because of their system to my credit after the fact! Noting this only occurs AFTER I called to get the payoff so In addition to being a crooked loan Sharking company they decided to try and sabotage my credit only AFTER I called to get the pay off amount. 

I didnt pay off the car yet. But now I see just how calculated this loan sharking company is! 

Dont ever do business with Santander