23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

**Company Information : ** - **Company Name : ** XXXX XXXX Bank XXXX XXXX ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against XXXX due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, XXXX reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, XXXX has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with XXXX, noting over XXXX unauthorized soft pull inquiries made by XXXX without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, XXXX has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form XXXX, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way XXXX has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that XXXX, Transunion, XXXX, XXXX XXXX XXXX  ( XXXX ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : XXXX. The name and employee number of the individual who authorized these inquiries during their initial investigation. 
XXXX. Documentation supporting the authorization, such as inquiry logs. 
XXXX. A signed application with my wet ink signature. 

If XXXX, Transunion, XXXX, XXXX XXXX XXXX  ( XXXX ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and XXXX  caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.
Product: Credit reporting or other personal consumer reports

On my XXXX, equifax and XXXX XX/XX/year> on my reports a balance of XXXX dollars was provided to a collection agency name XXXX XXXX illegally from the consumer by the name of XXXX i asked for a cease order they are constantly bothering me Im in process of trying to purchase a home and this is hindering me based on consumer law 15 usc 1692 c this is highly illegal I want it removed immediate please and my score increase back to the right amount
Product: Debt collection

I hope this letter finds you well. I am writing to express my frustration and concern regarding the fraudulent accounts on my credit report that have not been addressed despite my previous attempts. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I have followed the necessary steps to dispute these accounts, providing supporting documents such as identity theft reports and communication with law enforcement. However, the accounts still remain on my credit report, impacting my financial well-being and causing significant stress.
Product: Credit card

As noted in my Banking App. A XXXX was processed for my credit card account and was payment in full for the account. I called Customer service and was told that I called in to process a XXXX payment for my account. I have never paid this amount wirh XXXX and I always pay my credit card bill on the XXXX  of the month by processing the payment on the credit card website. My checking account information is stored there. Because this XXXX was wrongfully processed it cause an overdraft return item fee of {$35.00}. I tried logging into my account and Customer service told me that my account was temporarily suspended until I verify my identity. My account was originated with Genesis Financial services and called Destiny Card. XXXX has taken over the Destiny Card. As noted my payment made at the beginning of the month was made to Genesis Financial services for the amount of {$100.00} and no payment was due until XX/XX/2023. XXXX XXXX has since processed the XXXX for the same amount of {$680.00} again on XX/XX/2023. I told Customer service that I didn't authorize this payment and I want My banking information removed from my account. I have faxed a copy of my Driver 's license to the number I was instructed and I still can't login to my account to verify my banking information has been removed. Since the orientation of this credit card account I have always manually processed my payments for {$100.00} per month. Customer service told me to contact my bank to stop the process of the XXXX and I have asked for the check number used to process the unauthorized payment and was not given one. I suspect that there was a data breach and that is the reason why they want to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. WellsXXXX XXXX XX/XX/2017 not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was in XXXX XXXX, XXXX trying to get a XXXX XXXX  parking ticket from a ticket machine. I do not read French very well. A guy offered to help me and I accepted. He fumbled around the machine, but he must have had a chip reader on his person, because he ended up charging a total of XXXX XXXX  to a XXXX  account, which I learned is like XXXX. Although I received a text from Capital One and I replied no, I didn't authorize such a charge, and I called Capital One immediately after realizing what had happened, Cap One insists that it is my fault, that it is a merchant dispute, that I owe them over {$5000.00}, plus interest, because I have not paid this unauthorized charge. Tow Capoital One cards were involved - one, with a small credit card, was absolved of the charge, but the other card, which had a much larger credit card, is the problem. 

I disputed the charge. Cap One took charges off a couple of times and then finally put them back on XX/XX/XXXX. 
I have emailed several times and sent a registered letter to supposed merchant and have not received a reply. The merchant is a midwife in XXXX. The fraud happened in XXXX XXXX. I am XXXX XXXX XXXX and do not need a midwife. Cap One doesn't care. They say a scam is not fraud. They say because I did not lose my card, it is not fraud. 
Why did one Cap One entity ( Spark ) acknowledge it as fraud and the other ( professional? ) not? Do they not care about their zero fraud poIicy? 
I want the charges and interest taken off my card and I also want Cap One to write the credit agencies to restore my credit rating.
Product: Credit reporting or other personal consumer reports

For years dating back to XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. 
Some companies include Experian, Equifax, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. This unauthorized account and inquiries shall be deleted from my credit file indefinitely. 

Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters in great detail to Transunion on many occasions disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ; XXXX XXXX XXXX XXXX for XXXX XXXX or more of the following : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. ( Including Transunion ). A representative of the CFPB responded to me in writing putting " VERIFIED AS REPORTED '' next to each item that I disputed, meanwhile NONE OF MY MATTERS WERE ADDRESSED! I would like to see the information that was allegedly provided to verify these accounts because I certainly informed you that I do not consent to E-Oscar. Please mail that information to me! Also regarding my previous complaint, why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting? You do understand that no consent equals identity theft, right?! Why did no one address the fact that I requested original contracts and original disclosure forms that these companies allegedly have on file, and I never received them! Why did no one address that Transunion, XXXX, and XXXX are furnishing completely different information for the same accounts! How am I to believe anything that is being reported with zero proof?? Why are these companies reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct? Why has no one sent me a full-accounting ledger for these accounts as I requested???? Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB! YOU, the CFPB are the supervising authority over the CRA 's, yet, you are not enforcing any laws ; why is that??? To this day, none of the disputed companies provided me with ANY legal and irrefutable documents baring my unique signature. I have expressed that my right to privacy is being violated by multiple entities, and you, the CFPB, is not doing anything about it. I should not have to keep going through this! Federal law states that my consumer report is to be 100 % accurate and truthful, and it is NOT, AND IT HAS NOT BEEN!! Your blatant disregard for fairness, privacy, and accuracy is obvious! This is mere willful noncompliance! Congress states that the behavior I am experiencing by you impedes the banking system and undermines public trust. I have experienced tremendous mental anguish and injury due to these matters. Not only that, I have been unable to obtain new credit, and these matters have caused an extreme amount of difficulty for myself and my family. Please reinvestigate these matters. Again, I do not consent to E-Oscar.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from [ Name of Creditor/Account Name ( s ) ] that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. [ Name of Creditor ] has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Additionally, I would like to express my dissatisfaction regarding the response I received from Experian regarding a dispute I recently submitted on XX/XX/year>. Your letter stated that Experian " does not believe that I submitted the dispute, '' which you consider a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically the provisions that guarantee my right to dispute inaccurate or incomplete information in my credit report.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to have my dispute processed fairly, completely, and without unnecessary impediment. Your decision to question the authenticity of my dispute, without providing sufficient evidence to support it, constitutes an undue obstacle to the exercise of my rights and has caused me to waste valuable time in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from Loan depot. They haven't corrected the issue or contacted me about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out to Experian were consciously denied and neglected which I considered being unprofessional on their end.This is my 6th attempt to request all documents to be provided and issued to me. Notfulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XX/XX/XXXX Card Date of Inquiry XXXX
Product: Mortgage

After paying my mortgage for 30 years, I would like to know two things : 1 ) the total amount of principal paid, and 2 ) the total amount of fee charges. DO NOT SEND another long, detailed unreadable report. Just send the two dollar amounts I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XXXX of XX/XX/XXXXso its showing up XXXX times on my credit report because I have more than one loan with Nelnet. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XXXX of XXXX. So if my account was bought current and back dated to XXXX of XXXX then how can there be late payments posted for XXXX and XXXX of XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at Nelnet has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XXXX of XXXX. 

I also spoke to an advisor at Nelnet and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.
Product: Debt collection

XXXX XXXX sent XXXX closed account .15 USC 1692 c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit card or prepaid card

I received a email from a company claiming they were Chase bank. It said my account had been withdrawn for a purchase I did not recognized. It then asked for my personal info, name, birthday, ssn, and card #. By the time I realized the email was a scam it was too late.
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, business practices, which violates the customer financial protection act the ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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 seek appropriate redress for these violations. 


My cash app account is $ jassyhandscreations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of predatory lending with School XXXX XXXX was sent a letter by XXXX XXXX XXXX informing me that I’m no longer responsible for loans and I have a zero balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX   dollars. XX/XX/XXXX loan amount XX/XX/XXXXXXXX. , XX/XX/XXXX XX/XX/XXXXXXXX,  XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following account ( s ) within 4 business days under the Fair Credit Reporting Act Section 605B, 15 U.S.C 1681c-2. Please delete and block the following accounts : 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 Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a balance in my savings account that Id like to withdraw, and I wish to close the account. When I contacted Citibank, they informed me that they couldnt process this request over the phone because I dont have the debit card associated with the account. I dont recall ever receiving this card.

I asked if there were alternative methods, and they advised me to send a physical letter requesting the account closure. I followed their instructions and sent the letter, only to be told that it now needs to be notarized. This process has been increasingly difficult, and Im looking to resolve this as soon as possible.
Product: Credit card or prepaid card

I ordered an item from XXXX XXXX for {$150.00} on XX/XX/2022, which due to problems on the vendor 's end was never shipped. I first attempted to go through XXXX 's to resolve the problem. They offered to resend the item, which unfortunately also did not happen. Ultimately, I asked for a refund, and XXXX 's agreed to this plan. 

When this refund was never sent, I asked Chase as my credit card issuer to help resolve the problem. Their initial investigation ruled my transaction as valid, but they notably did not ask for me any documentation during this initial investigation. 

I then requested a re-dispute. Despite giving multiple sources of documentation ( including shipping details, and emails between myself and XXXX 's ), they again ruled the transaction as valid. They did not give any details why the emails were not considered valid proof of the vendor 's agreement to refund my charges.