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

I had 3 separate incidents where my checking accounts were compromised and I had several fraudulent charges on my accounts so I immediately called and filed fraud complaints with chase bank and was told they would issue a temporary credits while they investigated the transactions. I went on my chase app to check my balance and saw my access was denied so I called chase they said that due to the fraud on the accounts they restricted all the accounts and would closing all my accounts in 10 business days from the day they were restricted which was XX/XX/2018 and that I could go to the branch and withdraw the current funds in my accounts and they would mail me a check in 7-10 business days after they finished their investigations and closed the Accounts. I went to two different branches and they would not allow me to withdraw my Money from my accounts. They said I had to wait the 10 business days for the accounts to be closed and then 7-10 business days for them to mail me a check. I let them know my husbands paychecks, my child support, as well as my childrens XXXX payments are being direct deposited in that account and its too late to change it and they said that Ill Have to wait 7-10 days after they receive those direct deposits for them to mail us a check. This is all of our rent and bill money all of our XXXX money for our kids everything and they will not do anything to help us. We just want the money thats in our accounts and our money thats being direct deposited. 

I should also mention my husband is a retired veteran that did XXXX tours in XXXX, I am XXXX XXXX with XXXX XXXX XXXX and we have XXXX very XXXX XXXX, XXXX   XXXX, XXXX children this was our account that all our money went into we barely scrape by as it is and now we have no money to pay our bills and we now can not pay our bills because they wont release our money and right before XXXX so theyre depriving our XXXX kid of having a XXXX. All because our account was compromised and we reported the fraudulent charges immediately and were punished by chase for doing so. No one at chase cares or is willing to help us at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on Transunion XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX  ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : {$500.00} XXXX  ( XXXX  XXXX  ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )
Product: Debt collection

I recently acquired a new credit report with some strange company named Midwest Recovery Systems on my credit file. I have no clue what this is, who this and why it is on my report. I looked up Midwest Recovery Systems and enjoyed reading about this company. According to the XXXX, they have over 875 consumer complaints regarding falsification of documents and attempted collection tactics. I also discovered numerous lawsuits that they concurred by attaching a collection account to a consumer that does not belong to that consumer. Peculiar enough, sounds like a familiar situation. I even found a small community, that is going through or dealt with these thieves in the past.
Product: Debt collection

my name is XXXX XXXX on XXXX I called and complained about my internet service with XXXX XXXX. Which I didn't have service for 4 days prior, so I called them back on XXXX to pay for current bill which they gave me a credit for days I was without service.They tried to make me pay the full bill which the total included a month in advance charges which I told them that since I was canceling my service with them the balance was incorrect. The customer rep replied saying that I had to still pay for a month in advance service even though I didn't have the service no more. Which my service with XXXX began XXXX XXXX the same day I paid XXXX  for service for XXXX XXXX. XXXX continues to send me a debt collection for {$46.00} with past due date of XX/XX/23 and final due date XX/XX/23. Which as of XXXX I no longer had active service with XXXX due to service outage which is why I cancelled and paid my remaining monthly bill and began my internet service with XXXX as of XXXX. I no longer had internet service with XXXX and they refuse to return {$75.00} instillation fee I was charged by them for installing which they ran a cord from outside through my window, which I had to complete the installation due to Covid 19 but never returned to officially install wiring for which they charged me in XXXXAttached is a letter from XXXX  and a screenshot of my first XXXX bill which includes date service began, also attached is collection letter from Credit Collection Services
Product: Credit card or prepaid card

I am customer of capital credit card. CapitalOne restricted my account. Online account app is showing " This Card account is currently restricted '', while I still have balance on the card. 

However, I made calls to capital1 via their customer care number. I was made aware that my account has been closed on the XXXX of XXXX, due to " one-time '' return payment on my credit card account. With that said, i received additional interest charges on my card on the account on the XXXX of XXXX. On the XXXX of XXXX, I received another email saying my monthly payment will be coming up in the month of XXXX with additional extra charges, while capital claim that my account has been closed. 

Finally, I asked capital to closed my account accordinly for me to arranged a payment-plan base on the current balance on the account without attracting any additional charges nor interest charges. This is logical and I believe it falls within the financial regulation of " FDCI '' and " OOC ''. CapitalOne made it known to me that, they can't honor it. I should keep paying for additional interest rate that will be posted on the account, even though the account had been closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX  was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.
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 violate 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 proce 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 seek appropriate redress to these violations
Product: Credit card or prepaid card

pnc card ending XXXX told them there was a charge from XXXX  i did not recognize. they took away my credit i just called and was put on hold i cant wait i am in court now should i have to. i do dispuute XXXX from XXXX  and would like my card back. and my available credit.
Product: Mortgage

I have been helping client of mine with a mortgage application and working w XXXX Mortgage has been nothing but a nightmare come true, starting from their representative to their processing and underwriting. In my past 15 plus years experience I have never dealt with people more unethical and nothing but bunch of non experienced bunch of nobodies.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to convey that I've fallen victim to identity theft. I raise concerns regarding certain entries in my documents stemming from this crime. These entries I contest bear no relation to any legitimate transactions I've initiated or authorized, involving no acquisition of goods, services, or funds. If overlooked, I request the removal of any significant information in my credit record associated with suspected fraudulent activities or deceit. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This collection agency is falsely reporting debt on my credit file as a result of identity theft. They have refused to cooperate with me and send me proof of my personal information and/or signed agreements. They started reporting negative invalid debt on my credit in XX/XX/2017. They hung up their phone on me when i called to speak with them about it. Agent refused to give me their contact name and was very rude. XXXX   and XXXX has investigated this company and removed them but XXXX has asked me to reach out to CFPB. Someone inquired an apartment in my name and i am not responsible for this debt. Please as Procollection Inc in XXXX, Tx to stop reporting negative debt on my file. ProCollect Inc is violating Texas Debt Collection ACt and Consumer Bureau and violation FCRA and my rights. 
ProCollect is falsely reoporting {$10.00}, XXXX. I have filed a identity report with FCRA.
Product: Vehicle loan or lease

I purchase a vehicle from Exeter Finance in XX/XX/XXXX. The loan was for 72 months on approximate {$25000.00} with a 16.9 %. I have been late and had 8 deferred the payments. The loan will mature on XX/XX/XXXX. The company states I still owe {$10000.00}. I do not see how this is possible. I asked for a hardship and to settle the loan but the company refused. I notice over the life of the loan some of my payments {$0.00} was paid toward the balance only interest payments. I do not believe I owe {$10000.00} on a {$25000.00} vehicle 6.5 years later.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach I want these items deleted from my credit reports effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal accounts from my credit reports list all those negative accounts from your equifax credit reports accounts names and account numbers and file your complaint with CFPB
Product: Mortgage

XXXX submitted a modification ( HAMP ) for my mortgage loan on my primary residence which is a single family home and XXXX Mortgage AKA Bank of America denied it proclaiming there are missing documents from the submittal. When XXXX asked what are the missing documents so there looking for XXXX Mortgage XXXX Bank of America never answered them..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX  with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA. This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report. The XX/XX/2018 credit disputed for Experian show the payment history is incorrect. If you look at the payment history, you can see it is impossible for payment to be like that. They say the account is charged of but still have a balanced. I dispute the date account open and the payment history. They refuse to delete a charge off from a company. I've disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file.
Product: Debt collection

The company keeps contacting me, when Ive expressed them not to. They contact me single everyday.
Product: Credit reporting or other personal consumer reports

I am writing this as a deeply upset and disgruntled consumer. Your actions, or lack thereof, have significantly and negatively impacted me, jeopardizing my ability to maintain excellent credit. Despite my earlier disputes, there response claimed the accounts in question were verified, which is entirely unacceptable. 

Recent investigations and lawsuits against XXXX clearly show a pattern of violating the Fair Credit Reporting Act ( FCRA ) and neglecting proper dispute handling. Specifically, XXXX has : Failed to thoroughly investigate consumer disputes : XXXX process limits consumers from fully describing their disputes and often ignores relevant information submitted by consumers. Furnishers responses were given undue deference, even when contradictory or nonsensical, resulting in inconsistent and incomplete resolutions. 
Reintroduced previously deleted errors : XXXX failed to prevent previously removed errors from reappearing on credit reports, demonstrating a lack of proper detection systems. This forces consumers, like myself, to repeatedly dispute the same inaccuracies. 
Failed to block identity-theft-related information : XXXX knowingly reported credit information resulting from identity theft, despite its obligation to block such data. 

The Consumer Financial Protection Bureau ( CFPB ) has already found that Equifaxs flawed processes and ineffective systems harmed consumers, violating FCRA requirements and the CFPAs prohibitions against unfair, deceptive, or abusive acts. It is evident that these practices have severely limited consumers ability to dispute and correct inaccuracies, further compounding the harm. 

Enforcement Actions taken against XXXX include : XXXX. Mandating compliance with federal law regarding credit reporting data. 
XXXX. Imposing a {$15.00} XXXX penalty for their misconduct. 
Given this precedent, I demand immediate action to remedy your negligence in my case : XXXX. Immediate deletion of all disputed accounts and a full resolution of inaccuracies on my credit report. 
XXXX. Restoration of my credit score to XXXX or higher, reflecting the absence of any erroneous or fraudulent information. 
XXXX. Acknowledgment of this complaint and a detailed timeline for resolving these issues, no later than [ insert deadline, e.g., 7 business days ]. 
Failure to act swiftly and appropriately will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB, Federal Trade Commission, and legal authorities. The level of disregard for consumer rights shown here is beyond unacceptable, and I will not stand for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting medical info from a company called XXXX. Violation of HIPPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and Dept XXXX XXXX acct XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX In XXXX I applied for a home re-modification and I was told not to pay my monthly mortgage. I was approved within XXXX XXXX and received my new mortgage and started payment right away. At that time I never looked at my Credit scores or report. I then looked to purchase another home and during that process learned that OCWEN Loan Servicing had placed negative marks on my credit report. Its been XXXX XXXX XXXX XXXX and I called to ask OCWEN questions regarding why this was placed on my report when I was told I could not make a payment. I have wrote letters and phoned them with the only response being that the account was closed and transferred to PHH Mortgage. I continue to contact them in an attempt to have the negative marks removed. I have also written PHH Mortgage to see what they could do with this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX  acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Paid balance in full and provided receipts, equfax said they verified the account is open
Product: Credit card

Sears posted a message in our online account that we should activate our new cards. We called to let them know we had not received them. The representative indicated she would mail out new ones, and we received them within a few days. We just discovered they hit our credit report with a hard inquiry on the day that we called and it shows as an " application for new credit '' on our credit report. We have to explain this false statement ( our account with them has been open since 1986 ) in order to co-sign a mortgage note for our son. Sears/CBNA needs to train their staff to be compliant with FRCA.