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

I am writing to follow up on a previous dispute regarding inaccurate information on my credit report. Despite my formal request for investigation, you have responded that the information in question has been verified and updated. However, upon reviewing my credit report, I find that the inaccuracies remain unresolved. 

This response is unacceptable and constitutes a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : Section 611 ( a ) ( 1 ) : You are required to investigate disputed items and correct or delete any information that can not be verified with 100 % accuracy. 

Section 623 ( a ) : The information provided by the data furnisher must be accurate, yet the errors persist. 
The inaccuracies in question include : 1. Incorrect dates.

2. Inaccurate balances.

3. Payment history errors.
Product: Credit card

I made payments of XXXX and was caught up on my account but now they are saying I'm behind because of hight interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} XXXX XXXX. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on for months and I have followed all of the things you wanted me to do. just read the letter to make sure I'm not just typing my concern here and you will just ignored my concern again
Product: Money transfer, virtual currency, or money service

On XXXX I tried to made a payment to my mortgage company with my XXXX XXXX debit card on the phone with Western Union but I was told by the female representative that there was an error sending and to call back in XXXX minutes, in which I did and to just give my phone number, but was told by the second rep I had to give all my information again and was told I did n't have enough in my account. I know when I spoke with the first rep I had at least {$380.00} in my account and I wanted to sent {$300.00} that cause {$310.00} to be taken out of my account. XXXX XXXX said they sent it to Western Union and Western Union said they did n't receive it, now XXXX XXXX is investigating the matter which will take 45 - 90 days which leave me {$310.00} short.
Product: Credit card or prepaid card

Capital One Quick Silver Card Executed balance transfer on XXXX XX/XX/2022 for {$5600.00} with option to receive check. After weeks, check never received but {$5600.00} added to my balance. When I advised Capital One, was advised they would send new check. After weeks, second check never received and {$5600.00} still added to my credit card balance. XXXX XX/XX/2022, I advised Capital One to cancel the transaction and credit my account. 14 days later I am advised they final executed a stop payment. I am now told it will be 90 days for my account to be credited for the {$5600.00} charge. This will be after the holidays and a grand total of 146 days from initial transaction to fix their issue. This has reduced by credit rating and eliminated {$5600.00} from my ability to charge on the credit card. I have talked to six different Capital One employees and one supervisor to no avail. 

Thanks in advance for any help.
Product: Checking or savings account

Bank of America has repeatedly changed my account for unnecessary fees. In  XXXX   XXXX , The account was accessed  XXXX  unlawful {$10.00} charges. In  XXXX   XXXX , I was accessed {$10.00} for multiple withdrawal charges. The bank separate the atm charge from the transaction to access this fee.   For the last months, different Bank representatives stated that a Manager would call about the  XXXX  fees. The manager call was never received. Lastly,  XXXX   XXXX  a {$5.00} charge was accessed to my account. I called customer service, the representative stated that it was a mistake. I have lost all confidence with this Bank.   On  XX/XX/XXXX , I called the bank. The representatives refused to forward my concerns to a Manager. I was told the account agreement bans from asking question abouts these fees. The representatives refused to provide the information to identify the workers. The last representative  (   XXXX  ;   XXXX    ) continued playing games and wasting time. I requested a Manager or the depart head, she stated " I 'm the supervisor, manager and department heading ''. The conduct of these representatives are totally unprofessional.     Bank of America has also refused to extend credit for  XXXX  credit cards. I 'm flabbergasted because my income and  credit score  (  XXXX  +  ) is at the  top statistical analysis for credit.
Product: Checking or savings account

XX/XX/XXXX told bank that the XXXX XXXX and XXXX XXXX and XXXX XXXX was not authorized the A credit company was canceled 2 months back, bank even put a stop payment, told the company that they had no claim to the money they took, all I got was a oh well, and I asked the bank why did they give the money after the stop, they said well they asked for it
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of

the 1099-C to the address above or via email. Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable
cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.
Product: Debt collection

This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and the XXXX of these people are making it difficult to function for my children. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I was sold XXXX XXXX XXXX XXXX XXXX XXXX  was no good had major problems it broke down I called them told them I couldn't afford to fix it they picked it up 3 days later I filed a complaint with XXXX  to try and have my down parent refunded I was told no but they would use the car as collateral to cover the debt and it would state that on my credit report to my surprise they lied it has completely ruined credit report the said it was a repossession and I own a balance of XXXX something dears to them
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. 
This CFPB Complaint HAS BEEN FILED TO REQUEST pursuant to FCRA section 605B that you Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and/or fraud within 4 business days of you receiving this complaint. This fraudulent, false, and inaccurate information consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent XXXX Inquiries and fraudulent collections appearing on my consumer XXXX report. I do not recognize these accounts as reported on my consumer credit report maintained by you, but were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft, and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity, theft, and fraud.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment during the initial covid-19 on XX/XX/2020 for 30 days. I paid the account on-time and received a conversation. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of of the recent fob lawsuit highlighting significant issues with the platform.despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The cfpb findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams.the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX, TransUnion, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX XXXX with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Money transfer, virtual currency, or money service

I initiated an international money transfer via MoneyGram on  XX/XX/2020 in the amount of {$1200.00}. Per MoneyGram, the money was supposed to be available in the recipient 's bank account in minutes. However, the transer status still showing " In Transit '' as I'm typing this compliant. I have reached out to MoneyGram on several occasions to inquire what's causing the delays and no one has been able to give an explanation as to why a transfer meant to be completed in minutes is taking weeks. The MoneyGram transaction reference # for this transfer is XXXX and the recipient country is XXXX. 

Also, this is not my first time sending money to the recipient via MoneyGram. 

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

in XX/XX/2021 at XXXX XXXX I used cash app to purchase XXXX from a person on XXXX marketplace. 
immediately I get in touch with cash app to stop the transaction because the bank sent me a notification of fraud. of {$520.00} which i paid to get the device as a gift for my nephew cash app take a 10 days of investigate and they reject my refund request. 
before i use this cash app XXXX pay from this account were requested and were rejected due to fraud concerning. 
i didn't know she is a scammer she sent to me all her legal information including address phone number e- mail after i requested. i told here from a different XXXX account for that information to buy the same device so i told here i only use XXXX XXXX for money transfer. 
that's when i got all the real information about her. i am sure i wasn't the first victim of this person most of the money transfer including my bank warned me except cash app. 
i need help with that matter specially when cash app protect and not stopping the scammer.
Product: Debt collection

Calling from paypal credit, I receive a call every other hour about 5-6times a day everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AT XXXX XXXX XXXX XXXX TX  XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX & Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXXXXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX TX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX I contacted VENMO, my debit card holder, to file a dispute after I noticed an unauthorized charge on my VENMO account ledger for a transaction reading : Date : XX/XX/XXXX XXXX XXXX  Location : XXXX XXXX XXXX, XXXX Amount : {$17.00} Transaction ID : XXXX On XX/XX/XXXX, I received a response from VENMO concerning the dispute and stating that my dispute was DENIED. I immediately contacted VENMO to ascertain the reasoning for this decision and to appeal the decision. The reason for the denial was After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. I did not understand this reasonings error has not occurred meaning. I was told that they could reopen the appeal if I could provide evidence, which also I could not understand what evidence would exist to provide if I had not been present during the transaction, know who did it, etc. I explained this to the rep and they said theyd resubmit the dispute on appeal. 

After 3 business days, I checked back for an appeal update and the VENMO rep informed me that I was again denied. They again told me that they could resubmit the dispute/appeal if I had any evidence to support my claim. I once again asked what possible evidence could I have for an unauthorized transaction. They told me to contact the party responsible for handling these disputes more directly and gave me an email address to use to do so. Ive written the address 2 times in 2 weeks and havent received even a single response from them, not even an acknowledgment that they were aware of my dispute/appeal. 

Yesterday ( XX/XX/XXXX ), I contacted VENMO support through their chat feature and explained I have not heard from anyone regarding the dispute or my appeal. The representative looked up my information and proceeded to state that she could resubmit the dispute if I could provide evidence of the dispute. I knew then that I was out of options trying to get VENMO to honor the ZERO LIABILITY CLAUSE of my card holder/account agreement and am now being forced to contact the CFPB to geXXXX involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023 my debit card was charged in the XXXX for {$210.00} at XXXX XXXX XXXX time. This couldnt have been me because I made a purchase at XXXX in Kentucky XXXX at XXXX. Theres no way I couldve travelled to another country in XXXX hours. I filed a dispute with my bank Chime ( XXXX XXXX XXXX ), and after XXXX months I was denied a chargeback for a refund of my money and told no error occurred and was simply left at that with no additional information
Product: Debt collection

PROFESSIONAL FINANCE C has reported an account on my consumer credit report in the amount of {$530.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my credit report and that would be resulting in identity theft.
Product: Checking or savings account

XX/XX/2023. I was not able to get direct deposit from my job because of the issue with XXXX XXXX XXXX. So I had to go to the bank to cash my check ( {$1500.00} ) and the teller stated I was unable to cash it and I still had the option of depositing it. After depositing it the teller stated there was a hold on the check up until XX/XX/XXXX. Now I cant access any of the money. I live paycheck to paycheck and have bills that need to pay. Fortunately I have savings but shouldnt have to use it because of the hold Chase put in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased A car from XXXX XXXX XXXX XXXX XXXX in XXXX Ga. They didnt give me My car I signed for they gave me A Loner car. I was driving in the loner car until my car ( XXXX  XXXX XXXX ) was finished. I put money down on the car in the middle of XXXX and decided to give the car back at the end of XXXX because the loner car was messed up and they still wasnt giving me updates on my XXXX XXXX XXXX. XXXX  from XXXX XXXX XXXX XXXX kept ignoring cars calls because I wanted to get a full return on the car. XXXX XXXX XXXX wrote me out a check for XXXX. I went to the bank just for them to tell me his account couldnt withdraw a limit over XXXX. XXXX XXXX I returned to XXXXXXXX XXXX XXXX XXXX  to get two different checks which was both worth XXXX ( I was able to cash on different days ). Fast Forward XXXX XXXX started calling two times a weeks at the end of XXXX for a balance I didnt know I owed. I called XXXX from The dealership several times to see why I owe a balance, he told me it was wrong and he been called them. He Was lying, now I have a car I never had on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXXXXXX XXXX : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX