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

I explored the option to pre-quality which has no impact on ones credit report but despite that I got hard inquiries on my Experian and XXXX reports from XXXX XXXX. They said, it was a mistake and after that they didnt help in any way and didnt attend my calls next day either.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
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 Account Name : XXXX  XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

On XX/XX/2018, I was visiting family in XXXX XXXX XXXX and went to a Chase ATM at XXXX XXXX, XXXX XXXX, NY XXXX. I was accompanied by my boyfriend and cousin. I attempted to deposit {$680.00} in cash at the ATM, but was given an error response and told to contact Chase immediately to resolve the issue. I called the number provided and spoke to a customer claim representative about my problem and gave her all of the details. I was told that it would be taken care of and was emailed an update regarding a " temporary credit '' while Chase investigated my claim. 

I received a letter from Chase on XX/XX/2018 that my claim was denied and the " temporary credit '' will be reversed. I called the Claim department at Chase to understand why my claim has been denied and how I can get my {$680.00} back. That money is an entire month 's worth of rent for me. The representative was unhelpful and informed me that the Claim department 's investigation allegedly showed that the ATM didn't have the money that I deposited. I asked about any steps I could take to resolve the issue or appeal the decision, but the representative was not forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, the Credit Bureaus have kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the following accounts corrected as soon possible : XXXX XXXX XXXX Balance Owed : {$1.00}, 604Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 2 months later and I havent seen my credit disputes addressed by Experian, XXXX XXXX and XXXX. This is a violation of thier timelines and is putting me and my family in financial distress.
Product: Credit card

The person opened an account with Capital One on XX/XX/XXXX ; the individual account was current prior to the XXXX pandemic. The global pandemic ( XXXX XXXXXXXX ) hindered the consumer from making payments on time. To ensure the consumer was protected throughout that difficult time, The Cares Act was implemented to prevent lenders from reporting late payments to credit reporting companies during XXXX. The Cares Act did not end until XX/XX/XXXX, but XXXX XXXX was reporting XXXX XXXX XXXX. Under this obligation the credit account was current before the accommodation and the consumer makes the payments pursuant to the accommodation, is not required to make one or more payments pursuant to the accommodation, or the consumer brings the credit account or obligation current. Under FCRA Section 623 ( a ) generally prohibits a person from furnishing inaccurate information to the CRA.
Product: Consumer Loan

American honda finance is practicing to request for settlements such as the company received from me XX/XX/XXXX. Then report to the IRS I owe the remaining balance. Although the debt was charged off on credit report XX/XX/XXXX. The company would not show up in court when I filed a complaint against the XXXX Honda Dealership and American Honda. It was told there address was not listed in XXXX. So I received the run around from the time vehicle was purchased. I traded in a XXXX Toyota for a XXXX Honda XX/XX/XXXX then received a bogus contract the seller ran off for his practices where he received monetary for a transaction that I ended up having difficulty getting rid of once the company played there shady games towards me.
Product: Credit reporting or other personal consumer reports

I requested verification of info on my credit reports no response from data furnishers
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax and XXXX, alleging systemic issues such as failing to forward consumers provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures aligned with my experience, where XXXX, Equifax and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as XXXX 's, Equifax and XXXX inaction violates federal law and my rights as a consumer.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : 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, credit repair services, or other personal consumer reports

XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.
Product: Money transfer, virtual currency, or money service

Between XXXX, 2020 up to the present time, I have been making deposits between {$25.00} and {$100.00}, at least bi-weekly to a JPay account in the State of Florida XXXX XXXX XXXX System. According to Customer Service Representatives of JPay, whom I have spoken to on the phone, I am told that once I make that transfer, then the funds are not mine any longer and they now belong to the account of the XXXX that I have made the deposit to. This part is understood by me. However I am objecting to the fact that I can't access that account to check on the balance remaining in this account. The only acces that is given to me is a list of the transactions that I have made. As I am the XXXX  of this XXXX, and I'm sure that most parents and family members who make deposits, also would feel that we should know what the balances are. We have to wait for our loved one to actually tell us that there is no money left in their accounts before we feel comfortable about adding more funds. We are also charged {$11.00} as a service charge to deposit {$100.00} into an account. There are also deductions for JPay that are deducted from purchases made by the inmate and a weekly service charge to maintain the account. JPay LLC is licensed by the Georgia Dept of Banking and Finance, their ID is NMLS # XXXX. We as the depositors of these funds feel that we have the right to know at anytime that we choose to know what the balance is in our loved ones accounts. We know the balances of our phone accounts. That is how we know when to refill our XXXX  phone accounts. We know our stamp balance account. That is how we know to buy more stamps so we can continue to email our loved ones. Why can we not know the cash balances in their accounts? This is not, and does not sound right to me and many others.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have identified discrepancies in the reporting of an account with XXXX  XXXX ( Account # XXXX ) **. Below, I outline the specific issues and request prompt investigation and correction of the inaccurate data. 

Details of Discrepancies 1. Inconsistent Closure Dates : According to XXXX, the account is reported as closed on XX/XX/scrub>/2020, while XXXX does not list any closure date, and Equifax provides inconsistent reporting. 
Request : Please confirm and correct the accurate closure date across all three bureaus to ensure consistency. 
2. Charge-Off Reporting Accuracy : The account is marked as a charge-off with a {$0.00} balance owed. However, if the balance was resolved in XX/XX/year>2020, the charge-off status should include clarification that the account was paid or resolved after the charge-off. This is critical to accurately reflect the status of the account to future creditors. 
Request : Verify whether the charge-off status includes proper resolution details, and update accordingly. 
XXXX. Payment History Discrepancy : The payment history shows multiple CO ( Charge-Off ) marks for the period between XX/XX/year>2020 and XX/XX/year>2020, but the remarks indicate payment after charge-off/collection. If payments were made or the account was settled during this period, the payment history may not be accurate. 
Request : Please verify the payment history for this period and update any inaccuracies to ensure the record reflects actual payments or account resolution. 
XXXX. Dispute Resolution Timeline : Both XXXX and Equifax note that the account was in dispute. If the creditor failed to resolve the dispute within the legally mandated 30-day period or if incomplete/inaccurate information persisted during the dispute, this is a violation of my rights under the FCRA. 
Request : Provide documentation confirming when the dispute was initiated, investigated, and resolved, and ensure the current reporting reflects accurate dispute outcomes. 

Action Requested I respectfully request that you : Investigate the discrepancies outlined above with the data furnisher ( XXXX XXXX ). 
Provide me with an updated credit report reflecting corrections. 
Inform me of the results of your investigation within 30 days, as required under the FCRA. 


Proof of identity is attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a validation and verification letter to XXXX XXXX as well as to XXXX, Equifax, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX  has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
Product: Credit reporting or other personal consumer reports

XX/XX/23 I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. 

I WILL PROVIDE PROOF
Product: Mortgage

On XX/XX/XXXX, my mortgage servicer, Dovenmuehle Mortgage , Inc., a servicer for XXXX XXXX sent a duplicate hazard insurance annual premium payment in the amount of {$1100.00} from my escrow account to my insurer, XXXX XXXX. This is a duplicate of the payment of {$1100.00} that they sent XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX alleges to have sent the {$1100.00} back to Dovenmuehle Mortgage , Inc., a servicer for XXXXXXXX XXXX. 

To date, Dovenmuehle Mortgage , Inc. has not properly credited my escrow account for the {$1100.00}.

Dovenmuehle Mortgage , Inc. was not authorized by me to send the duplicate annual hazard insurance premium to XXXX XXXX. They appear to have no interest in crediting MY money back to my escrow account because of their negligent error. 

I have dealt with mortgage servicers since XXXX, and Dovenmuehle Mortgage , Inc. is no doubt the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my bill online with a bank and they showed that they received my payment. However, 30 days later I received notice that they never received my payment. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Product: Debt collection

For approximately the past two years I have repeatedly received maik from a company named Statebridge, which I believe is a collection agency. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon receiving early communications from this company, in XXXX or XXXX, I was informed they were attempting to collect a debt stemming from a second mortgage. That debt was approximately {$50000.00}. I informed them that the debt was dismissed in Federal Bankruptcy Court proceedings finalized in XXXX of XXXX. 

Recently I received a written communication from a XXXX XXXX XXXX regarding the same debt, which was now listed at approximately {$70000.00}. That law firm XXXX XXXX and XXXX allowed me a specific time frame to notify them if I agreed with the debt or not. Their business address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded within the allowed time frame to inform them I did not agree with the debt. 

I have provided both companies with the attorneys name, address, and phone number who represented me during the filing of my bankruptcy. Recently, XX/XX/XXXX, I contacted that attorney, whose name is XXXX XXXX and informed her of what had been transpiring regarding my former second mortgage. She instructed me to inform any party attempting to collect the debt that they are to cease and desist due to the debt being dismissed in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these frivolous collections attempts and harassing comminications to stop indefinitely. I have done my part to provide them with the necessary information required but they seem to ignore it.
Product: Debt collection

The former owner of the telephone number has debt. I have tried to tell the creditor, they have the wrong number. They keep calling. I have filed a complaint with the attorney general. I have asked to speak to a supervisor and it goes to voicemail.
Product: Student loan

Sad, but true! 
An ongoing issue for the past 8 months! 
Sofi is our new lender to refinance some private student loans. 
Referral incentive for the amount of {$300.00} has not been paid as promised months ago! 
Have documented emails from the management team with incorrect information and false hope! Numerous phone calls have been made, but no one even cares to resolve the situation. {$300.00} is not a lot of money, but false advertisement and terrible customer service makes us really upset! A copy of emails can be submitted upon request! 
Thank you! 
An Update : just spoke to XXXX XXXX, customer relationship consultant. 
She called me while I was about to submit this complaint. I did let her know and asked her what would have she done if she were in my shoes, and her response was to " let it go ''! 


The manager ( s ) keep having us wait with
Product: Credit card or prepaid card

Apple Card charged interest of {$94.00} on a card with a XXXX balance and refused to refund in XXXX
Product: Credit card or prepaid card

Fri XXXX XXXX, 2020 Merchant name is XXXXXXXX XXXX - THANK YOU Merchant category is Payments and Credits Amount is - {$1800.00} running balance is {$97.00} I payed XXXX as a minimum payment was charged XXXX and it was of course returned the payment was on discovers side accepted and taken off my debt in which they said they were going to send a Check to me referring to the extra amount paid after my bank rejecting the amount and charging me an extra {$35.00} instead of allowing this check to go to the bank they are sending it to me, i had them send it to me so that it did not reflect upon my credibility on the bank as it was going to take 7-9 business days. so that i can contact XXXX XXXX and return the money to the account without over drafting myself and putting my account in bad standing, unsure of what to do now i contact wells fargo to discuss the situation
Product: Debt collection

I do not have any knowledge of the debt that is attempting to be collected.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding Cash Apps failure to address fraudulent charges made on my account, the subsequent wrongful account closure, and the potential mishandling of my personal data.

Unauthorized charges appeared on my Cash App account. I promptly reported these charges to Cash Apps customer service and provided all necessary information to support my claim. Despite my timely report, Cash App failed to resolve the issue and reimburse the fraudulent charges. Shortly after, my account was closed without explanation or warning, leaving me unable to access my funds or transaction history.

Additionally, I am concerned about the mishandling or breach of my personal data. The fraudulent charges suggest potential security vulnerabilities within Cash Apps systems, which may have exposed my sensitive information to unauthorized parties.

The situation has caused significant financial and personal harm, including : The fraudulent charges depleted my available funds, leaving me unable to cover essential expenses such as rent, utilities, groceries, and gas.

The sudden loss of access to my account and the inability to resolve the issue with Cash Apps support has caused immense frustration, XXXX, and stress.

The potential exposure of my personal and financial data has left me vulnerable to further fraud or identity theft.

I had to spend significant time and energy trying to resolve the issue with Cash App, and I have been forced to find alternative payment methods.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports