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

: Note- This is not a duplicate complaint Subject : Formal Complaint Against Experian for False Credit Reporting and Antisemitism/Discrimination Violations Date : XX/XX/XXXX To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian Credit Bureau regarding false credit reporting and potential violations of Antisemitism/Discrimination laws. My personal information and the details of the dispute are as follows : - **FTC Complaint Number XXXX XXXX XXXX XXXX XXXX*Experian Credit Bureau Account XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my Experian Credit report on this day, I discovered inconsistencies in the reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are incorrectly marked as charge-off accounts, and, upon further investigation, I found that XXXX XXXX is also listed as a business account. I did not own any company in XXXX, and therefore, this information is inaccurate and misleading. 

I have diligently attempted to rectify this issue by filing a complaint with the Federal Trade Commission ( FTC ) against both Experian and XXXX XXXX. Despite numerous attempts to contact both entities, I have been directed back and forth without a resolution. This lack of cooperation is frustrating and appears to be a deliberate effort to avoid addressing the false reporting. 

What is particularly concerning is that this false reporting has led to a significant decrease in my credit score, despite a positive payment history and the successful resolution of many accounts, totaling hundreds of thousands of dollars. My score, which should reflect in the XXXX  based on my good payment history, has been unfairly reduced to the XXXX due to these inaccuracies. 

I strongly believe that this is not merely a case of reporting errors but a form of discrimination. As a taxpayer and citizen, I am entitled to the American success that should accompany a good credit history. However, Experian 's actions are hindering my ability to achieve this success and negatively impacting my life. 

I request the Consumer Financial Protection Bureau 's intervention to ensure consumer rights protection against this type of Antisemitism and discrimination. I trust that your agency will thoroughly investigate this matter and take appropriate actions to rectify the false reporting on my credit file. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I filed a claim for an unauthorized duplicate charge back in XX/XX/year>. Capital one contacted me and let me know my claim was denied. Capital one then stated that they were closing my account due to mismanagement. They refuse to inform me what transactions caused this concern a month ago. My claim was spontaneously approved, and the funds are sitting in the closed Capital One account. I have contacted Capital One to request a check for the remaining funds and my account to be officially closed. The customer service representative could not help me
Product: Debt collection

Delete the late dates of the disputed items from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Product: Credit card

I had a account with ROAMANS through Comenty Bank for 2 to 3 years. A representative called me on XX/XX/XXXX for a payment. The representative asked me if I would like to pay the account in full and I said yes. I made a payment of {$67.00} which was the total amount owed. A final letter was sent out to me on XX/XX/XXXX, stating that if I have paid the account in full with one transaction that the fee would be included. I heard nothing from them in XXXX or XXXX about any extra fees or late charges. I recently heard from them in XXXX of XXXX. The first time we spoke the representative told me it was for late fees. I called a spoke with another representative about 2 weeks later, after I found the letter and was told the payment was for interest. What I know about Comenty bank is if you are more than one day late with a payment, they will call continuously, 2 to 4 times a day. Which is why I '' m not understanding why it took them over 4 months to contact me with this issue. Also why would they send me a final letter when there was no correspondence in the years I had an account with them before this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX  Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving 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 cause significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Checking or savings account

Boa balance XX/XX/2019 XXXX Went online and this balance of XXXX included 2 transactions not recorded on the automated number ( attached recording ) this XX/XX/XXXX balance includes XX/XX/XXXX and XX/XX/2019 postings but on XX/XX/2019 recording they list the transactions of XXXX forXXXX. ON XX/XX/XXXX and fax plus {$11.00} ON XX/XX/XXXX AND THEN ON ANOTHER RECORDING I ATRACHED THEM ALL.. THEY ARE RECORDED on different dates that the XX/XX/XXXX recording states and THEY ARE NOT LISTED ON MY XXXX ONLINE BANKING TRANSACTIONS ON XX/XX/2019 AS PER THE RECORDING ON XX/XX/2019 ... .I AM REQUESTING BOA to be accurate in their postings of all my transactions and post credits of my personal monies from my bank account and debit card EACH AND EVERY DAY OF THE YEAR on my personal solely owned XXXX boa account in my name of XXXX XXXX XXXX XXXX Per XXXX XXXX boa regulatory commission XX/XX/2019 letter
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}
Product: Checking or savings account

Wells fargo continue to provide Inconsistent reviews with facts left out that are not reviewed by a Manager but multiple different representatives who have confused this case. I received a letter of conclusion per a XXXX complaint with final credit of my funds only to have them turn around by another representative and reverse the money back. Product ordered through FB XX/XX/22 for 1 bottle Keto Gummies {$59.00}. Merchant conceals final purchase and amount at checkout and runs it straight to the bank and you have no way of knowing what they charged until you check your account. They had fraudulent charged me {$250.00}. I received a fraud alert from Wells Fargo on XX/XX/22 and called them and told them I am disputing charged and I did not authorize {$250.00} on my card. The Merchant added on more products. They still let the charges go through after initially denying them. I called Merchant within 18 hours and asked why they charged my card with unauthorized products. They apologized said the order would be cancelled and gave me the cancel number which is same as order number for current and future orders. Despite this, they shipped product anyway. I shipped back on same day received XX/XX/22 via XXXX store. I provided Wells Fargo the receipts and even called them and asked them to do three way called after two reps at the company told me they cancelled the order. They would not get on a conference call but told me to have Merchant send a letter which they never did. Wells fargo credited my account back the money but since then had had multiple people confused about the issue get the amount reversed back. Facts are not stated and left out. I was told final credit in a letter they sent dated XX/XX/22 only to have money taken back again on XX/XX/22. They never had a Manager review any of it. I want my {$250.00} back. None of their people have the facts straight and do not know what they are doing. I only had one dispute with two numbers. I received a credit and reversal under the first, therefore, lady opened dispute in another number because she said she could not reopen and give money back under the closed dispute so she open the same dispute transaction but put under a different number. Same transition with two different dispute numbers not three or four as they are stating., I cancelled that debit card so Merchant wouldn't continue to recharge it. I want some accountability for this night mare by Upper Executive leader and bit an escalation specialist. I am not confident in their investigation and findings because there are a lot of missed information and facts and information that is not correct in their letters. Wells Fargo was sent multiple emails many times with receipts and letters and the cancellation number provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX from Carhop in XXXX, WI in XX/XX/XXXX. About a week after purchase, the A/C stopped working and the transmission began to slip. I contacted Carhop to try to fix the issues and they said they would not fix the car at no cost, the repairs were more than I could afford. I received a letter from an attorney about a lawsuit he was filing against Carhop and advised me to voluntarily surrender the car. I turned the car in but decided not to be involved with the lawsuit due to family issues at the time. Carhop removed the account from my credit, then 6 months later sold the debt to Universal Acceptance.
Product: Checking or savings account

XXXX, XXXX this to whomever can cut a check and mail it out. I am done with wasting more of my time. 
I called your escalations for merchant service yesterday. What a joke. 
We tried to get an address and mailing label to send machine back, XXXX was not responding. They said we were not supposed to bring it into the branch. They said they don't have the machine and I said you mailed it out. 
XXXX wanted the commission and I'm well aware why he did not get us the address or label quickly. 
I need that XXXX sent out to me in a check that was fraudulently pulled from my acct. The machine was supposed to be free. Why would they charge a customer and not get a check out immediately when they make a mistake like this. 
Everyone you all had me talk to said your machine works with phone line and internet line. I have never had worse customer service in my life and for you all to make a mistake this big and not apologize for wasting my time for months is terrible. My saving grace is I never ordered XXXX worth of checks. Your merchant side is truly some of the most untrained people I have ever done business with and for them to question me about why did I bring the machine in to you instead of apologizing and stating let me get the funds that they took out of your acct asap is disgusting. I sent them all XXXX emails that I sent to XXXX XXXX as I tried to send this machine back and they said you should not have taken the machine, I said XXXX was just trying to salvage my other Accts at this point as your merchant side is the reason I left. 
If this is not resolved and a check sent out I shall contact an attorney regarding you all taking money from my acct when they knew the machine was no cost, and lied about what the machine could do. I am on the beach. I need a machine that does landline and internet. The internet goes down all the time. I said that XXXX times. Also, Who advertises free machine and then pulls XXXX out of someone's acct when they assured the customer that this device worked like my XXXX. Train these people at merchant services before they cost you more business. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Open XXXX Brunch Only 5 days a week Closed Tuesday and Wednesday Text XXXX @ XXXX This is one of many emails I sent to the branch manager at XXXX this XXXX XXXX XXXX sent the machine back because it did not do internet and landline and my only saving grace is that u did not order XXXX in checks. They have approx XXXX of my money and will not send me a check even though they told the branch manager they did I have a lot of emails I can send to you.
Product: Debt collection

I borrowed XXXX and Ive paid XXXX via ACH debit from my account. I called them to check the back since I had maybe XXXX or XXXX more payments and they told me the interest of XXXX or more. I have already paid this company their money and now I am receiving emails aboou a balance which is interest. I was not informed XXXX XXXX interest rate on the loan and not XXXX in interest. I was unable to view the truth in lending until after i agreed to the loan and I believe that this company is practicing bad business and unethical practices online.
Product: Bank account or service

On XX/XX/XXXX, I lost my wallet in XXXX XXXX. The person who found the wallet charged {$3300.00} on my Bank of America Debit Card. I realized it was in that wallet two weeks later and reported it to Bank of America. B of A sent me a form with all of the charges that occurred from XX/XX/XXXX XXXX the date that I reported it to them. They reviewed the case and on XX/XX/XXXX they sent a letter stating that my claim had been reviewed and they determined that no error had occurred in this instance and that they considered my claim to be resolved. 

There were many charges that made up the total amount. My contention is that the purchases we not my normal purchasing pattern and that their Debit CARD FRAUD UNIT SHOULD HAVE CAUGHT THIS PROBLEM. I never received any calls from them during this period. Conversely, my XXXX Debit Card was also lost at the same time and I did hear from them. 

I would like to be credited with the full amount of {$3300.00} that was wrongfully charged by the thief. The Bank of America Fraud Prevention Unit should have caught the charges before they ran up to this level.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ... ...... 

XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # 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.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  Balance : {$3000.00}.
Product: Debt collection

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit card or prepaid card

Barclays failed to adhere to proper card transaction billing dispute requirements as outlined in Reg Z. 

The XXXX XXXX XXXX cancelled their annual compliance conference as a result of the COVID19 situation. As a result, my registration for that conference was refunded. Multiple contacts with the XXXX XXXX mind you, this is a banking association and I am a compliance professional by trade ) indicated that the credit had been processed yet it was not appearing on my account. Following Reg Z Billing dispute process, I created a case with Barclays to assist in resolution.

During that process, Barclays did not have sufficient options available on their website to adequately outline the reason for my dispute based on VISA rules ( .i.e Credit Not Processed ). Nor did they have any document portal for me to upload documents which I knew would be required. Their automated process simply dismissed my dispute indicating that they had not received documents when they never provided me with a mechanism for delivery in their workflow. I had to call them and tell them that I had documents they needed and only then - after endless time on hold - did they provide an address to direct the necessary docs to. Their dispute workflow needs to be evaluated to ensure it is clear and does not mislead the consumer or lead to delays in processing which could be easily avoided. Consumers not well versed in the nuance of Reg Z could be easily frustrated or feel compelled to not follow through. 

In the process of this disorganized mess, I couldn't help but notice they are clearly in violation of Reg Z ( 1026.13 ( a ) ( 3 ) ) - specifically the official staff commentary which reads : " 3. Notice to merchant not required. A consumer is not required to first notify the merchant or other payee from whom he or she has purchased goods or services and attempt to resolve a dispute regarding the good or service before providing a billing-error notice to the creditor under 1026.13 ( a ) ( 3 ) asserting that the goods or services were not accepted or delivered as agreed. ". Both their On-Hold message and the error resolution screen dissuade consumers from filing billing disputes without first contacting the merchant. Their phone message says " If you have not done so already, contacting the merchant may lead to faster resolution ''. Their dispute entry page on their website reads : " In an effort to resolve your dispute in the most efficient manner, we ask that you first attempt to contact the merchant for assistance. '' Clear violation of the spirit of Reg Z with the possibility of causing consumer harm.
Product: Debt collection

I pulled my credit and was surprised to see a collection from TransWorld System Inc., which being a collection has dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or who it was for. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt from XXXX which did not hit my credit until XXXX ( 2 years later! ). After finding the company name and phone number they were able to pull up my account number ( XXXX ) with my social security number and I was then able to verify what it was for and settled for the amount it was for. As an XXXX veteran trying to better his finance for his family, I would like to kindly request that this collection be removed from my credit due to erroneous collection practices.
Product: Credit reporting or other personal consumer reports

am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.