23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

OnXX/XX/XXXXI made a purchase of {$120.00} using my Kohl 's card. Kohl 's sent me multiple emails offering to match my payment of up to {$50.00} if I made a payment. On the XXXX due date ;XX/XX/XXXX, the balance on my account was {$190.00}. On this day I called and spoke to a representative who informed me that I would be receiving the {$50.00} credit and asked how much of the remaining {$140.00} I wished to pay. I paid the entire {$140.00}. On my next statement with a closing date of XX/XX/XXXX I was charged an interest charge of {$3.00} and given a minimum payment of {$3.00} due onXX/XX/XXXX. OnXX/XX/XXXX I made a purchase of {$130.00}. OnXX/XX/XXXX I called Kohl 's and was given a minimum payment due by the automated system of {$3.00}. I then followed the automated system through to learn the credit of {$50.00} I was previously told onXX/XX/XXXX would be reflected to my account onXX/XX/XXXX was not issued untilXX/XX/XXXX. I spoke to representative XXXX and then manager XXXX who informed my that my minimum payment was {$4.00} and despite that fact that I was disputing the charge that if I did not pay it my account would be charged a late fee. I was told that the {$4.00} minimum due was not due to the interest charge, eventually I was told it would be credited to my account but not for 24hrs and so the {$4.00} payment was to be deducted from the {$130.00}, and it was still due or I would incure additional fees. I was told numerous " truths '' / statements that were later reversed on the call. After 49 minutes on the phone a case was finally filled that would reverse any future late charges caused by this incident. I decided to immediately after the call make an online payment of the {$130.00} that I made onXX/XX/XXXX to avoid further complications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor SAFCO ACCOUNT  # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I am filling 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 my account vulnerable and unprotected. Furthermore, their dispute resolution proceeds 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: Bank account or service

CASE # XXXX This is a follow-up to my initial complaint as referenced above. Bank of America responded to you and to me ( letter attached ) but failed to address or resolve the issues I brought to your attention. I was reported to XXXX and to XXXX XXXX XXXX for an account that was closed due to a check I deposited that was returned on a closed account. It caused my account to go negative. As a college student, I did not have the funds to pay it off right away but did pay it a year later in full. I tried to get the this removed from my record with XXXX by writing to the bank and explaining that the check was written to me and I had no way of knowing it would be returned. The response I got was that it was something other than that check. In chexsystems I was reported for " suspected fraud activity '' and in XXXX I was reported for " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''. I tried repeatedly to get information from the bank as to what I did that made them suspect " fraud '' and I have never been able to get an answer. I have done nothing fraudulent! I have not benefited in any way from the deposit of a bad check that I had no way of knowing would be returned. I took responsibility and paid it in full so the bank has not suffered any losses as a result of what happened. I on the other hand have been unable to open an account at any bank and have " fraud '' associated with my name which is unacceptable. 
The response to my first complaint mentioned nothing about the reason they reported to XXXX or XXXX. In fact the letter I received says they " investigated '' my complaint and found that my checking and savings account were closed due to me depositing a check that was returned. It says my account was closed for non-sufficient funds " activity '' or unsatisfactory handling and then goes on to say that the report they filed with XXXX and ews was accurate and will not remove it. It makes no mention of any " suspected fraud '' or any " attempted transacting '' with another account. It does not explain in way why I was reported for those reasons. To be reported for non-sufficient funds is VERY different from being reported for " fraud ''. The implications are extremely serious. 
I would like for them to explain to me what I did that could be construed as fraudulent and also prove to me that I intended to commit fraud. If they can not do this, then I am demanding that they remove the damaging record from my name in XXXX and in XXXX. It is critical to me that I clear this from my name. I feel as though I have been accused of criminal activity and then convicted of it without ever getting to hear any evidence and then not being allowed to respond to it. It is unfair and wrong. I am attaching a copy of the letter I received from BofA in response to my original complaint and a copy of the XXXX and XXXX report so that you may review it as well. 

Thank You
Product: Money transfer, virtual currency, or money service

I used Cash App to purchase a number of stocks. On XX/XX/XXXX a number of fraudulent transactions occurred in my account resulting in more than {$8000.00} being stolen. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, Capital One opened three checking accounts, and three 'performance savings ' accounts. Each was opened with more than {$1.00} but less than {$2.00}. I did not open them, and have never done business with Capital One. All accounts were XXXX  out between XX/XX/XXXX and XX/XX/XXXX. I have a freeze on my credit ; I did not even know this was possible.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have failed to correct inaccuracies on my credit report despite multiple dispute attempts. I requested a re-investigation after their initial dispute closure, but the inaccuracies remain unresolved. 

This violates the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 1681i : The agencies failed to conduct a proper re-investigation of the disputed information.

2. FCRA Section 1681e ( b ) : The bureaus did not ensure the information reported is accurate or complete, violating their responsibility to report with maximum possible accuracy.

3. FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without meaningful action or proper follow-up, breaching their legal obligation to address disputes adequately. 

I demand immediate action to correct the inaccuracies on my credit report and ensure compliance with the FCRA.
Product: Prepaid card

I tried for over a year to get my money back and they continually tolde i was denied. I have just been emotionally distraught didnt know where to turn. When i tried to do the claim even it wouldnt let bc i didnt have a settlement number. They didnt even send the cash settlement paper to me. I know for certain its fraud
Product: Debt collection

RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because inaccurate, inconsistent, and/or unverifiable information has been reported on my credit file by one or more credit reporting agencies ( CRAs ). I have attempted to resolve these issues directly with the credit bureaus and creditors but have not received proper resolution. The errors in my credit report are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines regarding medical debt reporting. Below is a summary of the issues and legal violations involved : Violation of FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer credit reports. However, my credit report contains : Inaccurate Account Details : Discrepancies in account type ( e.g., Charge Off vs. Unknown ), past due amounts, and account statuses across XXXX, XXXX, and TransUnion. 
Inconsistent Reporting : Accounts are being reported differently across the credit bureaus, which demonstrates a failure to meet accuracy standards under FCRA 1681e ( b ).

Violation of FCRA 611 ( 15 U.S.C. 1681i ) : Despite disputing the inaccuracies and inconsistencies in my credit file, the credit bureaus have failed to properly investigate and correct the errors. The law requires credit reporting agencies to : Conduct a reasonable reinvestigation of disputed items within 30 days.

Remove or correct any unverifiable or inaccurate information. The lack of resolution violates my right to an accurate and fair credit report.

Metro 2 Compliance Violations : Metro 2 compliance standards establish uniform reporting guidelines to ensure accuracy and integrity in credit reporting. The errors on my credit report suggest that creditors or data furnishers are not properly adhering to these standards, particularly regarding : Consumer Information Indicators ( CII ) : Improperly coded account statuses. 
Compliance Condition Codes ( CCC ) : Incorrect reporting of account balances, dates, and payment histories. This failure to comply with Metro 2 standards exacerbates the inaccuracies on my credit file.

Violation of CFPB Medical Debt Rule : Under the CFPBs 2025 rule, medical debt is prohibited from being included in credit reports. Despite this regulation, my credit report continues to reflect medical collections that should no longer be reported. Medical debt is often inaccurate or the result of billing disputes, and its inclusion violates both federal law and the CFPBs intent to protect consumers from unfair credit practices. My information was also impacted by the XXXX data breach. I demand these accounts be deleted immediately. Failure to address these violations and remove these accounts will result in further action, including escalation to regulatory authorities and legal remedies under the FCRA.
Product: Prepaid card

Could not use my Rush card. My electricity was disconnected due to this poor service.Still as of today I have money on the card but ca n't access the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA this creditor ( XXXX XXXX XXXX XXXX XXXX Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ), has violated my rights. Under XXXX XXXX XXXX section XXXX states I have the right to privacy. Ive been denied from housing and excluded from jobs due to the violation of XXXX XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX section XXXX section XXXX states that a XXXX XXXX XXXX can not furnish an account without my written instructions. I never gave the XXXX XXXX XXXX my permission to furnish my account and I would like the information furnish on my account to be removed ( ( XXXX XXXXXXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) ). Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE. Removed the delinquent accounts from my credit report because they are violating several of my rights that are allotted to me by the FRCA. Do not respond with a generic response. I am well aware of my rights and the laws surrounding consumer credit and the FRCA. If you do not honor my request I will have to take this further and seek legal counsel. 

In accordance with the Fair Credit Reporting act XXXX XXXX are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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, XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- XXXX XXXX XXXX  XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX Cred -- Inquiry date : XX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquiries as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms.
Product: Credit card

Someone tried to open a Chase credit card using my name and email. Assuming they have my social security number and Chase sends me to dispute with XXXX or make an account with them which i do not want to do or have in general
Product: Credit reporting or other personal consumer reports

XXXX ACCOUNT # XXXX XX/XX/XXXX Validation Letter I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way of the Fair Debt Collection Practice Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item was, were the goods received, when were the goods received etc. ) for the entire amount you say I owe obtained directly from the original creditor. 

The Contract Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original debt. 

The obligation between you and I that allows you to collect on the alleged debt and transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e. drivers license state identification card or any other government document issued document ) that was presented to you at the time of incurring this debt. 

Letter of sale of assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt. 

Proof that this debt has not been charged off Any other intimate knowledge of the creation of this debt by you, the collection agency While I prefer not to litigate. I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to a successful resolution of this matter, removal of this debt off my file. 


Charge Off Letter A charge off account stop being a debt when once it comes a charge off account Tax Law says that when a debt becomes a charge off debt, the status changes from a debt to income According to the FCRA income can not be reported on your credit file. 

This account must be removed asap from my credit report Please note that you have 30 days to complete the investigation as per the FCRA section 611. 


Sincerely, XXXX XXXX XXXX.
Product: Debt collection

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : MACYS/CBNA  Account Number : XXXX Date of Charge-Off : XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

OVER THE PAST YEAR AND A HALF I HAVE CANCELLED MY EXPERIAN ACCOUNT 4 TIMES. THEY HAVE CONTINUED DEBITING MY CHECKING ACCOUNT EVERY MONTH. I SPENT 3 HOURS ON THE PHONE 3 WEEKS AGO BEFORE TALKING TO AN ACTUAL PERSON, AND WAS TRANSFERRED 4 TIMES. I ENDED UP WITH XXXX THAT GAVE ME A DIRECT CALL BACK NUMBER XXXX AND A CALL REFERENCE NUMBER XXXX. SHE TOTALED 8 CHARGES TO BE REFUNDED TO ME IN 3 TO 5 BUSINESS DAYS TOTALING {$230.00}. AS OF TODAY, XX/XX/2019 THIS REFUND IS STILL NOT IN MY ACCOUNT. EXPERIAN IS GUILTY OF THE CRIMINAL OFFENSE OF CREDIT CARD FRAUD AND ALSO ARE IN VIOLATION OF MY CONSUMER RIGHTS. WHEN I CALLED TODAY, I DEMANDED TO SPEAK TO A PERSON THAT DIRECTLY HANDLES REFUNDS AND THEY INFORMED ME THAT THEY DIDNT KNOW WHAT DEPARTMENT THAT WAS. I HAVE BEEN GETTING A RUNAROUND FOR A YEAR AND A HALF NOW AND WHAT THEY ARE DOING IS ILLEGAL. ALSO, THE CHARGES ARE XXXX MONTHLY AND SHOULD REFLECT AN AMOUNT ALMOST TRIPLE OF {$230.00}
Product: Checking or savings account

I paid for a product to be provided to me through XXXX  XXXX  of {$900.00} on XX/XX/20. The person said that they needed more money in order to provide the services I was paying for. It was many excuses given that didnt add up so I knew it was a scam. Asked for my money back they wouldnt give it to me and blocked me from communicating. XXXX  XXXX  said once money is transferred to the members bank they cant get the money back so I disputed charges with my bank Suntrust who Ive been with since XXXX/XXXX  and they denied my claim and have been very inconsiderate to help me get my money back.
Product: Credit card or prepaid card

I requested a copy of a fraudulent application that was submitted to American Express in my name and using my social security security number on two different occasions. They responded by requesting a police report, affidavit and a photo copy of my state id. I returned the requested documents. However they wrote me back saying the exact thing they said before that they could not send me a copy of the application without a police report. Which I have already sent in by certified mail. 
This company is refusing to send me the requested application. And also the hard inquiry is still appearing on my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX XXXX XXXX XXXXXXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"