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

XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Checking or savings account

XXXX STOP THE HARRASSMENT. I HAVE XXXX. 
WHY ARE YOU HARRASSING ME? EXPLAIN WELLS FARGO. 

YOU HAVE BEEN PROVIDED ALL DOCUMENTS RELATING TO MY COURT ORDERED XXXX XXXX WELLS FARGO SETTLE WHY ARE YOU HARASSING ME. 

SEND MY COURT ORDERED CHECK ... CERTIFIED MAIL. 

STOP YOUR HARASSMENT!
Product: Debt collection

I have been the victim of identity theft twice in the past. Diversified Consultants, purporting to represent a debt with XXXX ( a company I have never done business with ), has been unable to validate this debt which is, additionally, outside the statute of limitations. This company persists in placing fraudulent negative reports to my credit monthly.
Product: Credit reporting or other personal consumer reports

Over 30 unauthorized inquires appeared on my credit report and i did not authorize them Victim of fraud issue has not been solved i have placed a free and fraud alert on my reports and filed a police report but the credit bureaus XXXX, Experian, or XXXX have yet to notify me with a responce or remove the unauthorized information
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on the entry for th e Chase a ccount is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00}  Balance Due of {$0.00} ( " - '' ) a nd  Past Due of {$0.00} " - '' ). The " Status Updated ' ' date reflected a date of  XX/XX/XXXX . I also received a  XXXX  in  XX/XX/XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XX/XX/XXXX    I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by  Chase to reflect an older " Status Updated  '' date of  XX/XX/XXXX . In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score also dro pped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date ''  changed from   XX/XX/XXXX  with the correct information to a " Status Updated '' date of  XX/XX/XXXX  with INCORRECT inform ation. However, this dispute to  XXXX  resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting agency (    XXXX   for resolution ) I sent another dispute to  XXXX  with copies of the '' before '' and " after '' credit reports ( with one copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XX/XX/XXXX  but got the same result. No correction updates to my   XXXX    report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this Chase entry either deleted or updated back to    XXXX     out balances and past due amount. This entry is now  one month from being 6 years old and had been reflecting positively with a Paid Status, w as charge off and  XXXX  past due for 5 years.
Product: Credit reporting or other personal consumer reports

My car was in a total loss car accident. I wasnt at fault. 

XXXX was the rental company of the other car that caused the car accident. They were sued. 

Ive reached out to XXXX XXXX and sent serveal CFPB complaints and the information Im SPECIFICALLY requesting has not been provided. Please see below my questions and concerns. 

I need information on the money that was collected for this claim?? 

Why do I have a balance??? 

Why was my car repossessed over 4 months after a total loss accident and I wasnt in possession of the car??
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are three ( 3 ) derogatory items on my credit report from XXXX XXXX XXXX reported on XXXX XXXX, 2023 for the following amounts : XXXX XXXX XXXX  These are medical debts under XXXX these debts Starting in 2023, medical collections tradelines less than {$500.00} should no longer be reported on consumer credit reports. I have asked the credit bureau to delete these debts from my credit report multiple times.
Product: Credit reporting or other personal consumer reports

This the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX late hits.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX, I made two purchases on XXXX using my American Express credit card. Also, on XX/XX/XXXX, I cancelled the purchase made on XX/XX/XXXX, and received from the merchant ( XXXX ) a refund. Due to currency fluctuations the amount differed slightly from the initial purchase amount. I kept the flight purchased on XX/XX/XXXX, until I received notification from the airline of a schedule change on XX/XX/year>, whereupon the change no longer worked for me and I decided to cancel the flight purchased on XX/XX/XXXX. All documentation received from the merchant indicated a refund would be sent back to my original payment method within 7 days. After 7 days elapsed, and no refund had been received, I opened a dispute with American Express on XXXX for the flight purchased on XX/XX/XXXX. However, on XX/XX/year>, I received notice that my dispute was closed because my account had been credited. This is an incorrect conflation of the cancelled XX/XX/XXXX purchase that had already been refunded ( ironically the refund amount was the same as the purchase amount for the XX/XX/XXXX flight purchase, again, due largely in part to currency conversion fluctuations ).
Product: Debt collection

I. C. Systems , Inc. has place a derogatory report on my credit files without proper communication or documented proof of their claim prior to their actions as stated by law. I am currently seeking legal counsel to prove their actions are unwarranted. 

Specifically, I. C. Systems , Inc. is claiming a debt of {$340.00} to which I am pursuing information to determine the basis for their actions. A call to I. C. Systems, Inc. office number as listed on the internet received no answer. 

After reviewing my credit report I see I. C. Systems, Inc. is listed as a collection account opened on XXXX/XXXX/2016 and closed with a balance due of {$340.00} with XXXX XXXX which I have not had service with in over 7 years and I do not have any agreement or contract in writing or otherwise with I.C. Systems, Inc. for this account which is listed as past due as of XXXX 2016. A collection agency obviously can not extend credit to a consumer. 

Furthermore, the State of Georgia debt collection laws states that the statute of limitation on debt is 4 to 6 years depending on the type of debt ( Ga. Code XXXX ) from the date the last payment made. 

I have been informed that legally, creditors must inform consumers that they are pursuing collection of " legal debt '' and provide amounts and dates to prove their claim. I. C. Systems , Inc. have not had any communication with me prior to placing this debt on the XXXX credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX with account number XXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My information was compromised through a few Data breachs. I have accounts that are not mine or I did not open on my credit report. 15 USC 1681-The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information
Product: Credit card or prepaid card

I went to make a purchase today I received a text asking if it was me I said yes the card still declined I call them they say it's cause of suspicious activity even after replying to the text saying I was making the purchase. I go through all the charges and verify they are from me they say I can use it. I try to make the purchase again still declined I call back again and was told the system detected fraud and deactivated the card a few days ago. They never called emailed texted nothing just waited until I tried to make a purchase and call them to see what's going on and then tell me it's been deactivated a few days ago. I told them I just talked to someone they said it was good to go now they say nope we have to send you another card even though I confirmed every charge. They don't even know what's going on one says it's able to be used since I verified every purchase and the other saying it's been deactivated for a few days now. They can't even get their stories right. The deal is that if I made this purchase today I would receive a {$600.00} discount I told them that and asked if they were going to credit me {$600.00} since they just screwed me out of that since I'm not able to make the purchase today they just said nope not their problem the system detected fraud so not going to do anything but send you another card. I have auto pay set up on a lot of accounts with a couple coming up in 2 days but the new card won't even get here in time plus now I have to go through and change the card # on all the auto pay accounts set up.
Product: Checking or savings account

My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, and he said " I can see here a check was issued on the XX/XX/XXXX and that i have to wait 10-15 days .... Today being the XXXX, i called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous reps i had spoken to, told me. Now i asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her i remember vividly the last credit that was made in my account from an XXXX buyer 's purchase, for a watch in the amount of {$8100.00}, and she claimed the account is already closed and she can't provide any information. They refused to send me the letter explaining everything, and have kept my money! Causing me to almost lose my apartment and owe bills. I am tired of banks lying and ripping people off! I want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

Simm Associates is continuing to report a collection account in my XXXX  report that has been recalled months ago by the original lender. They cant take payments or discuss the account I called and confirmed. They confused me with anther person in my initial complaint so I am refiling. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a mortgage with 5th 3rd bank since XXXX. Beginning on XX/XX/XXXX my home burned. The fire department arrived on XX/XX/XXXX. I filed an insurance claim and checks were issued to myself and 5th 3rd bank for a total loss. 5th 3rd put the funds into escrow for the rebuilding of our new home. We are still in permitting process but the bank has demanded we get homeowners insurance for a home that does not exist. Our old insurance was cancelled because they said they could not insure a structure that did not exist. % 5h 3rd had told me in XX/XX/XXXX that I did not need insurance until my home was built. They have sent me several letter demanding I commit fraud by buying insurance for something that does not exist. 
I have contacted them several times and each time they lie to me and drop the issue. They keep hanging on me because I am XXXX with XXXX and can not handle XXXX, when I ask them to accommodate my XXXX they hang up.
Product: Credit card

Covid- 19 I was out of work, Couldn't keep up with my payments and nothing was done, therefore I have quite a few late payments that I would like removed, I have been paying on time for over 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting credit utilization and late payments on an account. I told them to remove this account ( XXXX XXXXXXXX ending in XXXX ) and they did not. I am in dispute currently with the account for a billing error. 

Transunion is willfully being non-compliant with my written instructions and has cost me personal loans, housing and credit because of their negative, adverse reporting. 

Transunion is violating the FCRA by reporting experiences as to credit utilization and late payments, going against my written instructions of deleting said account ( as they do not have permissable purposes ), and being willfully non-compliant on fixing this matter. I have evidence, a paper trail, phone calls and video showing Transunion 's constant retaliatory and adverse reporting that is hurting my livelihood, defaming my character and causing stress and anxiety in my everyday life. I will be taking this matter to federal court as I am fed up with their constant violations and disrespect of the law. 

The screenshots are from credit sesame that uses Transunion reports exclusively for reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( 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, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek Financial redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I seen a hard inquiry from FORD MOTOR CREDIT and I didnt ever apply for a car loan or any services through them! I dont drive so this is a fraudulent inquiry and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute to Credit Control Corporation on XXXX XXXX, XXXX asking to be provided with competent evidence bearing my signature which they RECIEVED on XXXX XXXX, XXXX. 
AROUND LATE XXXX I RECIEVED A RESPONSE DATED THE SAME DAY THEY RECIEVED MY DISPUTE! 
THE LETTER claimed their client RECIEVED payment and the balance is paid in full but as of today their tradeline is still showing on my credit file. In the letter, the edp/credit report number is inaccurate/Incomplete with the one they are reporting on my credit report. 
I sent a second dispute on XXXX XXXX which they RECIEVED on XXXX XXXX, XXXX asking for A SIGNED CONTRACT WITH DISCLOSURE between their client and I, between CCC and their client, and between CCC and I. An complete Audit trail of said DEBT was requested. 
I 've also requested their operational arrangements in place to facilitate providing information and documents required to resolve disputes which I 've received no response! 
NOT ONLY IS THEY NOT RESPONDIMG BUT THEY NEVER LISTED THE ACCOUNT IN DISPUTE, AND TO THIS DAY, THEY ARE STILL REPORTING INACCURATE AND INCOMPLETE INFORMATION SUCH AS DATE OPEN, NO CLOSED DATE, ACCOUNT NUMBER, BALANCE, HIGH BALANCE, AND TERMS WHEN NO CONTRACTUAL OBLIGATIONS WAS ESTABLISHED! 
CCC, Refuses to ACKNOWLEDGE MY DISPUTE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent XXXX  lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 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 and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.