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

I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the items be updated to 'Paid as Agreed '. 

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

Trans union failed to take off fraudulent credit inquiries done by identity theft fraud. I reported to them that companies XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Are reporting on my credit report. These inquiries was not done by me. I did report this and they are take to long to delete these inquiries
Product: Checking or savings account

Dispute/Fruad # : XXXX XXXX I was told told after " Based on our information and provided results of our research we are pleased to inform you that your request for reimbursement has been honored. The credit has been posted to your account in the amount of {$890.00}. '' Nothing has been posted to my account...
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax breach I tried to freeze my report. Equifax ' systems kept throwing errors when I tried to freeze my report. When I went in today to try and freeze my report it is now telling me my report is already frozen but I never received my PIN so now I can not unfreeze it without having to go through a whole process because of Equifax 's issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data eld reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and nancial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to nes or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certied before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. These claims remain unveried until further inquiry can conrm them. More research is needed to support these unsubstantiated assertions. Please report any veried claims immediately. Please certify that all claims that have been veried as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates that I should not have. I changed my payment date from the XX/XX/XXXX to the XX/XX/XXXXand this is an error on their part. I have had this account for 15 years and have not had a single delinquency until now, which is not my fault.
Product: Student loan

Around XX/XX/2008, I contacted Navient to be a part of the Public Service Loan Forgiveness since I work for a non-for-profit. Navient informed me that I was approved through them and to keep making payments and filing for Income Based Payments each year, which I did. Towards the end of my 10 years of payments, I filed the form to see how many more payments I had left and was told that I had none that qualified under the program because I never consolidated my loan, even Navient informed me that I did not need to file any other forms or do anything. I have proof of all payments made for the last 10 years and would like those payments to be counted towards the Public Service Loan Forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing several accounts in on XX/XX/2020 with XXXX, they continue to report inaccurate information on several accounts and provide proof that these are my accounts after requesting factual disputes. I've submitted disputes online and info was updated and that was it. These accounts are reporting different amounts and dates at all three credit bureaus, so they need to be deleted off of my reports immediately. I asked that provide any original contracts signed by me, payments, and any communication sent to me from XXXX credit and they haven't. 

XXXX credit - Acct # XXXX ( Please see attached screenshot of how it's reporting different amounts and dates on all three bureaus and the repossession letter ). Account needs to be deleted from all three bureaus as soon as possible as this is illegal and I will take legal action. 

XXXX XXXX - Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX. 

XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I know my rights from Title 15, USC 1692. I have the right to sue for violations of the US. 

Any assistance will be greatly appreciated.
Product: Checking or savings account

I live in XXXX, Idaho. Chase Bank says I used my debit card at a XXXX ATM at XXXX XXXX XXXX XXXX XXXX Pa on XX/XX/2023. I and my debit card were on an Alaskan cruise when this happened. When I got my paper statement in the mail, I saw that charge for {$300.00}. I immediately called my bank cancelled the debit card and ordered a new one. Chase has sent me " proof " after their " investigation '' that I used my card ... All it is, is a transaction number, there is no other information. What I found out with my investigation is that the transaction was at XXXX XXXX This ATM is in an office building that is closed from XXXX to XXXX. I have asked Chase numerous times to show me proof it was me, the pin # and the video of the person who used my card. They refuse. I believe this was a mistake on their part. Why would someone go through the trouble of stealing my info, creating a debit card ( and how could they know my pin? ), did they check the balance before proceeding? That should be in their records, and they only used it once to take out {$300.00}? I didn't cancel my card for probably 2 weeks, because I didn't notice it until the statement came and I was checking everything. You would think they would have done a lot more damage, there was {$45000.00} in my checking account at the time. When I contacted XXXX, they said they can't give me any information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the XXXX data breach.
Product: Checking or savings account

Cash App Account ( $ XXXX or XXXX ) On XXXX XXXX, XXXX, I received a cash app transaction in the amount of {$750.00} by mistake ( or at least that's what I was told ), from XXXX XXXX ( $ XXXX ), she was supposed to have only sent me {$75.00} to rent stanchions and ropes from me. However, I immediately sent her a refund in the amount of {$670.00} ( see attached screenshot ) which is {$750.00} less the actual payment of {$75.00} for the rental, but she later cancelled the rental so I refunded her {$75.00} back ( see attached screenshot ). In all XXXX XXXX received her full {$750.00} back from me through Cash App transactions. 

On XXXX XXXX, XXXX I received a {$1500.00} from another client for an event. On XXXX XXXX, XXXX I receive an email from cash app ( see attached screenshot ) stating and I quote " XXXX XXXX filed a dispute with their bank for the {$750.00} payment you received on XX/XX/XXXX. This payment will be refunded from your account '' and then yes, the funds were removed from my account. I never had the opportunity to challenge the dispute and show proof that the funds had already been returned to XXXX XXXX via Cash App. 

I reached out to Cash App multiple times and the only thing they told me was if a bank says a transaction is being disputed they send the money back and that I would have to get legal help or reach out to the sender directly. I even spoke with a cash app rep and he says " oh yes I see where the money was refunded '' but then he still says they can not help me they have to refund the funds. I mentioned the sender 's cash app account was closed ( see attached screenshot ), he says if someone files a lot of disputes we will close their account. I said well if that isn't a red flag. I reached out to the sender ( of whom I do NOT know personally ) and she's claiming she haven't received the funds. 

I am a consumer just like she is and just like her funds were " protected '' and she was able to " dispute '' the transaction, I should have been giving the same opportunity. I know that my money is supposed to be protected by FDIC and I do have rights to my money, they should NOT have been able to withdraw funds without confirming said information with me, furthermore they can see that I immediately returned those funds back to sender within a matter of minutes, five minutes to be exact. 

I really hope you all can assist me with getting this matter resolved. Thank you so much for allowing me the opportunity to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is XXXX The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 an 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

Recently, I did an investigation on my credit report and found several inquiries on my report to be false and inaccurate.

Under 15 U.S. Code 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall .... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately. Pursuant to the ( FCRA ) and 15usc 1681. 

PERSONAL INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to express my deep concern and frustration regarding an ongoing issue related to fraudulent activities on my Wells Fargo account, as well as the bank 's alleged violation of Regulation E. 

I initially reported the fraudulent activities in XXXX and assumed the matter had been appropriately addressed. Unfortunately, I recently discovered, while reviewing my tax records, that the issue persists due to what appears to be a series of oversights and errors in handling the fraud reports. 

Despite my repeated attempts to rectify the situation by filing additional reports in XXXX, it has come to my attention that these subsequent filings were mishandled as well. The matter has now been escalated to the executive office, where I find myself in a disconcerting situation, with the bank attempting to hold me liable for the fraudulent charges. 

The explanation provided by Wells Fargo 's fraud team, suggesting that my continued payment of credit card bills implies my awareness of the situation, is not only inaccurate but also unfair. I made those payments under the assumption that the bank had taken appropriate action to address the fraud, as any customer would expect. Furthermore, if I did not make these payments that are required by law Wells Fargo would have reported a delinquent account and immensely hurt my credit. 

The fraudulent charges include expenses for a dentist, lawyer, and various other items, totaling over {$10000.00}. I want to emphasize that I have not visited a dentist in the United States other than my longstanding dentist in XXXX, who has been my sole dental care provider throughout my life. 

This incident raises serious concerns about Wells Fargo 's commitment to honesty, professionalism, and adherence to federal regulations, especially concerning the mishandling of Regulation E. As a disabled person, the situation is particularly distressing, and I believe it is imperative that this matter be promptly and thoroughly investigated and resolved. 

I kindly request your immediate attention to this issue, aiming for a fair and just resolution in compliance with regulatory standards. I trust that Wells Fargo will address this matter with the urgency and seriousness it warrants. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a person I know encouraged me through social Media to trust in his financial mentor to invest in bitcoin and other crypto investments. 
After some talks and " orientation '' I was asked to invest by first sending a XXXX payment of {$1500.00}. This money would then appear in a website they have and multiply in 48 hrs. 

I soon realizes it was a fraud scheme and the person I know was involved as well. 
I reported the case to a federal agency and immediately to my bank. Bank of America. 

The bank suggested me to wait a period of 60 days, after 60 days they mentioned they weren't able to retrieve any funds from the other person and that they were closing the case. 

I have been banking with BofA for 12 years and they weren't able to help me when I was scammed.
Product: Checking or savings account

AMEGFY BANK -350 CHRARGED ME UNLAWFULL FEES THAT Following an XX/XX/XXXX lawsuit, four banks - Zions Bank, Amegy Bank NA, National Bank of Arizona and Vectra Bank Colorado NA have now agreed to contribute to a {$10.00} XXXX settlement to compensate consumers who lost out to the 'high-to-low ' re-ordering schemes.XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for line of credit on my XXXX XXXX XXXX XXXX  ) back in XX/XX/2022 and bank employee who was helping me never disclosed that my personal credit will have an hard inquiry and was told to sign on a small screen where you can only bearly see 4 small sentences.just 1 signature and she handover hard copy and ask me to wait for few hours and I will get a call but after some time i received a notification on my email to my surprise and shock that there was a hard inquiry on my personal credit which I never authorized nor they verbally disclosed this in writing.
Product: Credit reporting or other personal consumer reports

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these ITEMS. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be updated from my file right away 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I reach out to the collection Agency with proof of receipt, Proof of payment that I paid rent for three months including my last stay, and proof that the address that the forge i wasnt even staying there at the time of date, I was staying at XXXX  XXXX  paying bills they forge my name on the lease that I give yall It have the wrong move in date that I moved into apartment I was staying in another apartment before I moved there so they forge a fake lease with my name spelled wrong my kids name not even on Listed on the rental lease the sent I have XXXX kids, You can tell that is a fake lease because why would I spell name lat then go over it with Lak I should know how to spell my name,