23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was scammed into sending a deposit for a dachshund puppy by Paypal friends & family. The scammer did not show up at the meeting location and time and stopped responding to attempts to contact them after receipt of the deposit. I tried to file a dispute with PayPal & later found out from Paypal that I had no buyer protection for this transaction. I sent {$100.00} on XX/XX/2022 and another {$100.00} supposed to cover vet visit and microchipping on XX/XX/2022. we were supposed to meet Saturday XX/XX/2022 at XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NC XXXX XXXX My husband and I drove XXXX XXXX mon each way. email address for payment was XXXX and XXXX XXXX was the person posting on XXXX XXXX that she had said puppies for adoption.
Product: Bank account or service

In a nutshell ... Lets ' say I have XXXX in the bank and the bank has automatic draft coverage ( requested this to be removed ). There is a charge for XXXX and another charge for XXXX. Capital One will let the XXXX charge come and then the XXXX. By having the charges come out this way, Capital One has doubled its fee. Instead of XXXX, I am getting hit with XXXX. If Capital One tool the XXXX then the XXXX, it would be only once. They are engineering the process for their benefit. It is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my wife a necklace at XXXX XXXX XXXX  today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent Experian, and XXXX a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave Experian and XXXX written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. Experian is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as Experian and XXXX responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing two 30 day late payments in my credit report from a company named XXXX, TransUnion investigated and came back that it was verified, even through I sent them a company of my credit union statement that said the company was paid timely, TransUnion  said that was not good enough, the bill was paid online at the website and funds were taken out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$3500.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer 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 card or prepaid card

Around XX/XX/2017 I was elated to be approved by Amex Green and two other products. Shortly after my credit cards were compromised by a previous roommate who had even made fraudulent payments. AMEX credit the fraud and I completely paid the amounts I had charged only to find out that they closed all my accounts. I was never late once and I paid for the products I had made with the AMEX cards. Since then I have tried a number of times to get my accounts reinstated but to no AVAIL. Is this how the AMEX banking system that is regulated by the FTC and Federal Government treats victims?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my lease account with XXXX XXXX in Puerto Rico was paid in full. On XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments onXX/XX/XXXXand XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX  with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with XXXX XXXX  was performed today,XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XXXX, but no correction was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a the right to privacy.

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

My past complaint XXXX I stated that my XXXX report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XX/XX/XXXX due to inaccurate information. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ).

They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances s getting car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below have violated my federally protected consumer right 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  / 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAYMAKE ANY CONSUMER REPORT CONTAINING AN OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORD OF CONVICTION 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 AND CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus ( XXXX, XXXX  and XXXX  ) and to BANK OF AMERICA and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment, Date Last Reported and Date Open are inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in direct violation of 15 USC 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2022 I sent Equifax my identity theft report, a copy of my ID, my statement, and a copy of my credit report. Equifax has received my documents but has failed to remove the fraudulent items from my report. In this complaint I have enclosed the following documents again ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program Consolidated Credit and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did  charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. 
Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.
Product: Debt collection

I received your partial response through CFPB stating that you will request that I be forwarded a copy of my signed guarantor agreement with XXXX. Referencing this agreement does not justify your agency sending a collection letter that is ambiguous. The fees that are included in the debt may be authorized by that agreement, but all collection letters need to clearly state information about the debt 's character and amount. Your letters do not. 

First, the collection letters indicate, " Other '' but neglects to report exactly what this means. In addition to this, collection letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX indicate, " Other {$40.00}, '' while collection letter dated XXXX/XXXX/XXXX indicates, " Other {$39.00}. '' As a collection agency, you are expected to include in the letter information about what, the " Other '' charges are and how they were determined. 

Second, the collection letters indicate that the debt includes an interest, but neglects to report the amount, frequency, and cycle. Collection letter dated XXXX/XXXX/XXXX indicates, " Interest {$0.00}, '' letter dated XXXX/XXXX/XXXX indicates, " Interest {$7.00}, '' and letter dated XXXX/XXXX/XXXX indicates, " Interest {$15.00}. '' None of the collection letters clearly report the amount of the interest rate nor frequency of which the interest accrues. This omission creates confusion and is misleading, because if a payment is sent in the amount noted as " Total Due, '' but is sent outside of the interest cycle, the debt will not be resolved, because additional interest will be further calculated. As a collection agency, you are expected to disclose in the letter information about how the debt is affected by a specific interest rate accrual. 

Third, XXXX XXXX confirmed that my payment of {$150.00} for the original debt of {$150.00} was received on XXXX/XXXX/XXXX, yet this was not acknowledged on your part until I received collection letter dated XXXX/XXXX/XXXX. This seems to be a deliberate delay in confirming receipt of my payment, in order to continue billing interest. 

I contacted your agency via phone on XXXX/XXXX/XXXX and informed the representative that I made payment to XXXX in XXXX XXXX and that I just received a collection letter requesting additional money. I also informed them that I do not pay bills with mysterious charges and that I will not make payment to your agency, because the justification for that amount was not included in the letter. The fact that I am dealing with you, does not justify your attempt to mislead me. The Fair Debt Collection Practices Act expects that collection letters accurately represent the amount and character of the debt. Your collection letters fail to uphold this. You can not exclude this information and suggest that I read an agreement with the original creditor for clarification or simply call your agency to talk about it!
Product: Debt collection

This account just popped up on my credit and had a devastating effect on my credit, the collection is for the creditor XXXX and i don't even use XXXX as my carrier. 
it appeared in XX/XX/2020 in the amount of {$1200.00}. i am stating unequivocally that i had nothing to do with this account or XXXX
Product: Debt collection

Navy federal collections agreed to a settlement amount but they set the payment up so customers will be dollar sort. This happens with a lot of people by the response Im getting, so its a process set up to hurt customers on purpose. They are not willing to discuss and now the renegotiated amount if a lot higher even after explaining the situation. Collections at nfcu are unethical and every time you call they wont entertain any idea other than it was your fault. But if something keeps happening to everyone, isnt it the process?
Product: Money transfer, virtual currency, or money service

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

There is erroneous information on my credit report in regards to my name, address, and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} FSB XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00}
Product: Checking or savings account

I originally noticed the fraudulent ATM withdrawals and debit card charges on my Wells Fargo online account on my wedding day ( XX/XX/XXXX ) while in XXXX. In total, 11 fraudulent charges had taken place between XX/XX/XXXX and XX/XX/XXXX, totaling {$1400.00}. Prior to leaving for XXXX, I had notified Wells Fargo that I would be out of the country so that they could authorize my card being used internationally. I was very surprised to see that many charges had taken place in the United States, granted that Wells Fargo should have marked my account as being out of the country. Once I noticed that charges were being made, I immediately called Wells Fargo to figure out what had happened, file a claim, and deactivate my debit card. 

After a few weeks, I was shocked to receive a letter in the mail from Wells Fargo, telling me that their investigation concluded that me or someone I know made the charges. It seemed just so obvious that the charges were not me since I was not even in the country. The claims specialist advised me that I would need to file a police report in order to open the case. 

After filing the police report, I re-opened my claim with Wells Fargo, this time sending them additional evidence including my marriage certificate ( dated XX/XX/XXXX that indicated the location being XXXX, XXXX ) and my flight confirmation that showed the date of departure as XX/XX/XXXX and return as XX/XX/XXXX. Again, all of the fraudulent charges occurred within those dates. 

A few weeks past and I thought this ordeal was finally over when I received a letter from Wells Fargo in the mail. Again, to my surprise, they were denying my claim. 

Since then, I have been to the Wells Fargo branch office and requested pictures from the ATM of the individual who was withdrawing funds from my account. It turns out that Wells Fargo is trying to claim that the man in the pictures is my husband ( who I was literally in XXXX with during all these charges, getting married to ). In addition, my husband is XXXX XXXX with a XXXX XXXX XXXX and the man in the pictures is very clearly XXXX. 

At this point, I do n't know what else to do because it feels like I have so much evidence and support that this was fraud, but it seems like Wells Fargo just wo n't listen. Although {$1400.00} may not be a lot of money for some people, it is a lot for me and it feels like Wells Fargo is now the " person '' stealing from me. 

I have attached my two bank statements that indicate which charges are fraud, along with my marriage certificate, and flight confirmation. I have also included the police report I filed, pictures from mine and XXXX wedding day, XXXX ID, and two pictures that show the man at the ATM withdrawing money from my account.
Product: Credit reporting or other personal consumer reports

Experian failure to conduct proper investigation and verification of accounts reporting to my consumer report. Ive already notified Experian of inaccurate & incorrect items on my consumer report along with supporting documents to backup my disputes and still hasnt been resolved.

I would like CFPB to intervene immediately to assure Experian provide the proper investigations and adhere to the proper legal obligations under the FCRA. A written documentation of the verification methods used. Immediate correction and deletion of all inaccurate information.
Product: Debt collection

I REQQUESTED VERIFICATION OF DEBT FROM XXXX ACCOUNTS WITH CENTRAL FINANCIAL CONTROL AND WAS NOT PROVIDED WITH DEBT VERIFICATION. ALSO, I PAID THE DEBTS HOPING THAT I WOULD RECEIVE DEBT VERIFICATION ON THE FOLLOWING ACCOUNTS : ACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDI WANT TO KNOW WHY I WAS NOT PROVIDED WITH DEBT VERIFICATION AND PAPERWORK AS REQUESTED. ALSO, I WOULD LIKE THESE PAID COLLECTION ACCOUNTS REMOVED FROM MY XXXX CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

One or more things have been taken off of only one of the three reporting agencies
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXXXXXX & XXXX XXXX XXXX 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Debt collection

There are unauthorized inquires on my credit report. I have attached a FTC report that shows unauthorized inquires.