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

I have repeatedly asked Equifax for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, Equifax provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
Product: Prepaid card

I called the American Express Prepaid Gift Card Customer Support three times with zero help at any of the times. First call was at XXXX on XX/XX/XXXX, second call was at XXXX on XX/XX/XXXX, and the third call was at XXXX on XX/XX/XXXX. I recently just purchase this American Express Gift Card with {$140.00} added to the balance at XXXX on XX/XX/XXXX, XXXX. I tried making online purchases from multiple online stores as well as in-person and it has been declined every time. I'm not even able to check my balance on their website as it doesn't even work. When I call their customer support line, they asked me to enter my 15-digit card number and they claim it's invalid even though it has already been activated by the cashier at my local XXXX. I can not believe I wasted {$140.00} on this prepaid card and I'm not even able to use the money I put inside. Can't get help from customer support because my number is " invalid '' therefore completely useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputed items remain on my credit report as of today XXXX XXXX. 
1. XXXX XXXX XXXX shows over 30 days past due for XXXX and XXXX updated on XX/XX/XXXX. Attached is the car title dated by the state of Florida for XX/XX/2022 supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. Department of EducationXXXX shows account closed due to transfer. This account is not a transfer but part of a loan forgiveness acquired last year. The document is attached to this complaint. 
3. In XXXX there are 8 hard pulls on my credit from 3 mortgage companies. Four from XXXX XXXX XXXX XXXX Two from XXXX, Two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed.
Product: Credit card or prepaid card

In the year of XX/XX/2012 I beleive, I was granted a credit card with XXXX XXXX. The last 4 of the card I am speaking of are XXXX. I spoke with them and they told me that XXXX years ago I asked for a cash advance of which I may have. I honestly don't remember XXXX years ago. My account with this card has been closed for a couple years now ( not really sure how long ) but I have made my regular mothly payment. I then found that roughly half of what I was paying was going to pay interest on a cash advance from XXXX years ago, mind you the account has been closed for some time now. Right now my balance stands at {$470.00}. I am making the monthly payment but started wondering why my balance never seems to go down. Now I know why. They are charging me anywhere from $ XXXX-XXXX a monthjust on the interest. In XX/XX/XXXX of this year they charged me {$11.00}, interest. So for the last XXXX   years I have made payments of just interest of {$560.00}. That is more than I owe on the card. When speaking with them they told me the best they can do is to reverse XXXX months interest charge. I asked if they can reverse XXXX, why not all or something to help me out. They were totally unsympathetic. I own my own home and just went through a divorce, and I make adecent wage, but thanks to my ex-husband my mortgage is behind roughly {$9000.00} dollars. I was on a forbearance modification plan for XXXX months ( which ended in XX/XX/XXXX of this year ) paying a reduced cost. I am now in the midst of trying to get another modification so I don't lose my home. MKy mortgage payment was {$1700.00}, then after the forbearance mod it has jumped to {$1800.00} So along with all my other bills ( and I have no credit cards ) I do not need the added stress of trying to make a payment of which morally should be considered paid. Help and thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Checking or savings account

To : XXXX My tax preparer told me things are off because of an NFCU banking error. On XX/XX/2021 a {$1500.00} transfer from an account ending XXXX was made to an account ending XXXX. The transfer was made in error. Account XXXX immediately transferred the {$1500.00} back to account XXXX - same day. Account XXXX shows the transfer was made, however ; the {$1500.00} was never posted back to account XXXX. Account XXXX had a balance of {$3600.00} prior to the transfer. After the transfer occurred, the balance went down to {$2100.00} however account XXXX reversed the transfer so the balance in XXXX should have gone back to {$3600.00}. However, it stayed at {$2100.00}. NCFU refuses to correct the error and {$1500.00} is missing from account XXXX. This is not the first time that I had to file a CFPB complaint, in the past, NFCU tried to hinder my tax filing by refusing to correct a 1099 form. Pursuant to the Dodd-Frank Act, CFPB has the authority to take action against institutions or individuals continuously engaging in unfair, deceptive acts and practices which violate federal consumer financial laws.
Product: Checking or savings account

Our father expired XX/XX/2023. His SSA check was deposited into his Chase checking account XX/XX/2023 and an immediate hold was placed. When the local Chase bank in XXXX XXXX was questioned they said that the SSA had placed the hold. We then went to the SSA and were given paperwork to fill out for underpayment of funds. After completing the paperwork we returned to the local SSA and were told we did not need to file the paperwork, Chase bank had the money and they were the ones who placed the hold. So then we returned to the Chase bank and eventually met with the manager who informed us that Chase has a department called Federal Reclaims, where they take the SSA money deposited and put it in hold for 6 months until there is no request from SSA to return the money. After the 6 month hold passes they release the money to the families. We checked with both XXXXXXXX XXXX and XXXX XXXX and they reported that they immediately return SSA funds and allow the families to pursue the underpayment option through the SSA. The bank manager stated that if the SSA submitted a written statement that the funds were indeed correct they would release the money. So, we called back to SSA office in XXXX and talked w/another employee, who related she was her aunt 's executer and was going through the same waiting period, her release date is in XXXX of this year. She stated that the SSA never writes that type of letter to any entity. Our release date is XX/XX/2023. Is this standard practice? Is Chase bank earning interest on SSA funds and not informing the Federal Government? Is Chase going to pay interest to the families on the funds they have held?
Product: Credit reporting or other personal consumer reports

Dear CFPB Complaints Team, I hope this message finds you well. I'm writing to bring attention to a concerning issue related to inaccurate information on my credit report, particularly concerning accounts linked to XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) and Elan Financial Services. 

I've made numerous attempts to rectify these issues through different channels, yet unfortunately, I haven't received satisfactory responses or seen compliance with my requests. 

According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts. Therefore, I am formally requesting specific documents and information to address these concerns XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Copies of any contracts signed by me that validate my liability for the alleged debt. 
Documentation proving the authority to make claims. 
Any detailed evidence, including signed contracts, that establish my liability for the alleged debt. 
Certified copies of initial balance sheets for the account in question. 
The entire promissory note related to the debt. 
A comprehensive disclosure of the alleged agreement and all contracts contributing to the claimed owed amount. 
A contract specifically authorizing the pursuit of the alleged debt against me. 
For Elan Financial Services : Documents substantiating the contractual obligation linking me to the alleged debt. 
Evidence confirming authority to pursue the debt on behalf of the creditor. 
Complete disclosure of agreements and contracts forming the basis of the claimed debt. 
Regarding the credit reporting agencies ( XXXX, XXXX, XXXX, XXXX ) : Detailed records of communications with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that include names, authorities, contact information, and documented evidence. 
Similar records for communications with Elan Financial Services, including contact details and documentary evidence. 
Signed disclosures authorizing the disclosure, verification, and validation of my consumer accounts. 
Documentation outlining the methodology used to modify my consumer report, including sources of information and validations considered. 
These demands aim to secure comprehensive information and documentation necessary for validating the debts in question and the processes used by credit reporting agencies. I am deeply concerned about the inaccuracies and the lack of response from involved parties, which seem to violate consumer protection laws. 

I kindly request your prompt attention and assistance in resolving this matter. Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

During a job search I applied for a XXXX XXXX XXXX that was listed for a XXXX XXXX in Indiana. I was contacted and given a job offer. I was asked to send all of my personal information ie name, address, phone number ... and given a contract to sign and a Direct Deposit form. After I had filled out all of the information and sent it back to the person, I was told I would need to buy office equipment. On XXXX  XXXX XXXX, I was emailed a check for {$4500.00}, told to deposit it, and then send it to their vendors for purchase of an XXXX XXXX, XXXX, and printer. I sent XXXX wire transfers from my bank, and a XXXX payment. Wire transfer to a bank in California and a XXXX payment to XXXX XXXX. The next day, XX/XX/2022, I realized that I had been scammed and contacted my bank. I am now {$3500.00} to the negative at my bank, and will receive an estimated {$1700.00} on the first of the month from my VA disability. The bank did an investigation and said there was no fraud and they can't help me. I don't know what to do. Please stop this and don't let anyone else fall into this trap. It is devastating and I feel violated. Also, I don't know how I'm going to live for the next month. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I deposited money to crypto.com debit card, and upgraded the card to higher card. I had {$200.00} in the account and had a ledger showing the money was available. After the upgraded debit card was issued, my {$200.00} was gone along any trace of where the money went. I asked them to tell where my money went and there response was it was going to be transferred within two days. After two days no deposit or any accounting of my money with crypto.com
Product: Mortgage

XXXX XXXX, 2017 CFPB : Bank of America/Countrywide refuses to disclose to me the information about my XXXX Mortgage Loans that it has reported under the XXXX. I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Product: Student loan

XXXX, the loan servicing my Perkin 's Loan, withdrew funds for two accounts  from my checking account while my account was in deferment. I called to explain that their mistake is causing me to have a financial hardship, which is contrary to the purpose of deferments, and they stated it would take 45-60 days to return funds to my account. I found that to be completely unreasonable. I requested the assistance of a supervisor who then told me he could get it to accounting but it could take up to 3 weeks, even if it is expedited. I was not happy with that, nor do I find their practice to be feasible given the fact the mistake was on their part. I called a week later and they still have not reviewed my account. I feel someone needs to look into why they are not able to reverse payments when they make a mistake with in the standard 3-5 business days.
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 Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : 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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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 XXXX  days before the payment due date. 


XXXX 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 XXXX  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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion report says I have an account in collections from a company called XXXX XXXX XXXX XXXX for {$10000.00} opened on XX/XX/2019. This is not mine, I didn't open this account and want it removed from my report immediately.
Product: Debt collection

I have no business with Flagship Credit Acceptance acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I opened up a SPG Preferred Guest American Express card on XXXX XXXX, XXXX after being enticed by the promotional offer of XXXX Starpoints after {$3000.00} in purchases. I quickly met the spending requirement on XXXX XXXX, XXXX, however my bonus points were never credited to my account. I was planning on booking a vacation using these points, however I was unable to because of the delay. 

I have called American Express multiple times and they have been unable to resolve my issue. I am frustrated because I see this as deceptive marketing combined with inept customer service.
Product: Debt collection

To Whom It May Concern, I received a bill from Convergent Outsourcing Inc dated XX/XX/XXXX stating a balance owed of {$210.00} with a reduced balance amount of {$100.00}. The bill was sent to an old address of mine and thus I didn't receive it till this week. 

The account number does not match my XXXX account number which I haven't used since XX/XX/XXXX. That transaction was for {$190.00} and was paid in full. I have a {$0.00} balance on my account. 

I've done some research and found others that have had a similar problem with this company. This balance is not mine so this is either a mistake, a scam or some form of identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I am seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information and reports have been compromised by virtue of the Equifax data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have TransUnion, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The XXXX most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though TransUnion only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XX/XX/2021.