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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate and inconsistent reporting of a collection account from XXXX, which has been placed on my credit report by XXXX, Experian, and XXXX. Below are the specific details of the account, along with the identified discrepancies. 

Account Information : Account Number : XXXX Original Creditor : XXXX XXXX Owed : {$270.00} Creditor Type : Collection services/ Other Collection Agencies Date Opened : XX/XX/year> Date Closed : Conflicting information ( XX/XX/year> in XXXX XXXX XX/XX/year> in Experian, XX/XX/year> in XXXX XXXX Payment Status : Seriously past due/ assigned to collection agency Dispute Status : Account not disputed ( despite attempts to dispute with all three bureaus ) XXXX XXXX Credit Bureaus XXXX Conflicting Dates of Last Activity : XXXX XXXX the last activity on XX/XX/year>, while Experian XXXX XX/XX/year>. XXXX incorrectly lists the last activity as XX/XX/year>, which is in the future and clearly an error. 
These inconsistencies raise questions about the accuracy of reporting and the legitimacy of the account 's status on each report. 
Inconsistent Closing Dates : XXXX lists the closed date as XX/XX/year>, while Experian shows the account closed on XX/XX/year>, and XXXX lists XX/XX/year>, which is not only inconsistent but also in the future, making it factually impossible. 
Inconsistent Payment Status : XXXX lists the status as " Seriously past due/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' Experian and XXXX simply mark the payment status as " Unpaid, '' which is inconsistent with the more severe description on XXXX. 
Unreported Two-Year Payment History : None of the bureaus are reporting a payment history for this account, which raises doubts about the completeness of the information reported. 
Dispute Status Error : Despite my efforts to dispute this account, all three credit bureaus have listed the account as " not disputed. '' This misrepresentation undermines my right under the Fair Credit Reporting Act ( FCRA ) to challenge inaccurate or outdated information. 

I have made multiple attempts to dispute this account directly with the credit bureaus, but no corrective actions have been taken. If these inaccuracies are not immediately resolved and the negative item removed, I intend to pursue legal action to enforce my rights under the FCRA. 

I request that the CFPB take immediate action to investigate these inaccuracies and ensure that my credit report is corrected promptly. I have attached supporting documents, including copies of my credit reports from all three bureaus and evidence of prior disputes, to assist with your investigation. 

Thank you for your attention to this matter. I trust that this will be resolved swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Product: Credit card or prepaid card

I received a US Bank Reliacard in the mail today. I understand that it is a government debit card used to disburse unemployment funds. I never applied for unemployment benefits for I am gainfully employed. Can you please cancel this account or instruct me on how to correct this fraudulent use of my personal information. Thank you.
Product: Credit card

I opened my capital one credit card about 2 years ago in XX/XX/XXXX. When opening the card I reviewed the options and went with their Platinum MasterCard which explicitly states there is no annual fee. I have been charged a {$19.00} annual fee for the past two years. Each time they have offered to waive it on a one time basis. I was told on XXXX/XXXX/XXXX at XXXX EST that it is part of my terms and unless I have the paperwork from over two years ago they will not change it. I was also informed by a supervisor that it was possible that I applied for a card with no annual fee, but they while processing the application added on an annual fee. For me to submit an appliaction for a card which has one benefit being no annual fee, and for that application to be " approved '', yet it is not approved since they changed the terms is extremly misleading and deceptive. The link below clearly states in the disclosure for this card " Annual Fee : None. '' even further down in the disclosures there is no mention of annual fee subject to change based on application. 
This is the information they are required to provide for me to make an informed decision and it is the information I used when I decided to apply for this card. I entered the agreement using their information, on their website, which clearly states in no uncertain terms there is no annual fee. 
I have tried to work with their customer service to have this remedied to no avail. I am not asking for any refund as they have waived the fee each year, simply that the fee no longer be assessed in the future. 

https : //www.capitalone.com/credit-cards/platinumXXXX
Product: Credit card or prepaid card

My niece used my credit card without my permition a year ago. I reported it to Discover Card and sent them the police report and nothing was done to alleviate those charges from my discover credit card. In addition I filed chapter XXXX Bankruptcy on XXXX XXXX, and this account was included under the protection act of Chapter XXXX Bankruptcy. Under this act, my debt are protected by law. Doing this time, the debt would not be reported or collected. Discover Card reported debt that didn't belong to me, per the police report I submitted, stating that my niece stole it and ran up my credit card. I made a police statement concerning the matter. I would like Discover Card to delete this account from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take XXXX days it was less than XXXX days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts
Product: Prepaid card

XXXX XXXX Amex prepaid gift cards for XXXX, neither of them work ANYWHERE. 
have tried using a various amount less than the amount in the card as well as the exact amount at various locations both online and in person in both NY and NJ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these cards are supposed to work everywhere AMEX is accepted and that's just not true. its getting embarrassing being rejected at the register and really frustrating that they're not accepted for anything i tried to buy. i feel scammed and Amex customer service is impossible to reach.. PLEASE HELP THANK YOU!!!! 

XXXX ( {$100.00} ) : XXXX XXXX XXXX EXP XX/XX/XXXX XXXX XXXX XXXX ( {$50.00} ) : XXXX XXXX XXXX EXP XX/XX/XXXX XXXX XXXX
Product: Debt collection

Hello I had previously submitted a compliant against Indigo/ Genesis FS Card Services regarding fees and interest in excess and their unwillingness to work with me. Since my last complaint filed I requested for them to no longer call me because I was receiving multiple calls from different numbers all the time and they knew my situation. I am currently the only one employed in my family and sole provider. I have not made a purchase on the credit card in years and the balance continues to go up because it was over the limit and behind. Due to Covid and family illness my Husband lost employment and we fell behind on several bills. The fees keep pushing the balance up and making it harder to pay them anything to stop the increase each month. They will not stop over limit fees or late fees if you do not pay at least the minimum payment. I can not afford even that. At this point I am trying to avoid a charge off hurting my credit even more so I continue to try and make small {$40.00} payments but this does nothing to help reduce the balance. 

Further more I received a letter from Genesis FS Card Services dated XX/XX/2022 and it states they will waive two late fees and they will discontinue further calls per my request. Since this date I have still received multiple phone calls voicemails. ( Number - XXXX ) While they are waiving two late fees, if they total the fees on this balance one would see most of what is owed is ALL fees. This is beyond abusive to the consumer.
Product: Debt collection

I 've been receiving collection invoices from this company on several occasions. On  XXXX   XXXX ,    2017 I se nt certified mail denying this account belong to me, they fail to respond to this letter. Once they fail to respond I then  sent 3 certified  letters asking them to verify the debt. They refuse the debt with documented proof that the debt indeed belongs to me. They are in clear violation of the Fair Debt Collection Practices Act.
Product: Checking or savings account

I received a letter dated XX/XX/2024 from Truist Bank stating I owed {$59.00} which included a {$30.00} Charge-off account fee. I called on XX/XX/2024 to find out what the other charge was since once all automatic payments were stopped, I transferred the remaining balance from the account and called the bank to close all remaining accounts. I was told that the other charges were fees for inactivity in the account that I had closed. They said they would waive the {$30.00} fee but not the remaining charges. When I said that I didn't owe those as well, they stated that all of the charges would then be left outstanding.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) die to inadequate customer service and unfair practice, 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 nad financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX my son XXXX XXXX sent me XXXX dollar through XXXX. XXXX initially said the funds would be available on the 3rd day. On the 3rd day XXXX sent me an email and said that there was a problem with the transaction and that I needed to send them a copy of my ID. After they received a copy of my ID I received an email that said that my account had been permanently XXXX. They said the money would be returned to my son. However the money was never returned to my son account. XXXX has refused to give me any information since they said my account has been XXXX. When my son calls they say that he can't speak to anyone and has to send an email and it will be returned in 24 hours. They have yet to respond. When I go on their XXXX  page it shows that this has happened to multiple people and they haven't returned the money. All the while they refuse to give any reason for not completing the transaction or while my account was XXXX. I have NO criminal record. It seems to me that XXXX is allowing large transaction to go through and then don't complete the transaction and keeps the individuals money or at the very least hold on to it for months. They are hiding behind Privacy policy so they don't have to give explanation for taking the money and refuse to respond to people .I do feel that it is a scam they are using
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to get my updated credit report with a investigation of the information on my XXXX that reporting on my credit report. I have receipts of all my attempts to get this issue resolved. I have all my corresponds from the courts office on they verification tools they use
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times to have the following address removed ; - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, FL. XXXX, This is a incorrect address and I would like it to be removed as soon as possible. 

Correct Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX  15 U.S.C 1681G, is the law that is being violated 15 U.S.C. 1692e, False or Misleading Representations
Product: Credit card

I was charged a late fee of {$38.00} even though I made my payment on the due date. The system forced a day later though I made my payment on the XXXX ( pictures attached ). I called to ask that the {$38.00} be removed, theay said they could not do that. I asked about the random cutoff time and was told that was company policy of when the post payments. I asked the supervisor how i could submit a written complaint, she said i could not do that and she could not give information on her manager. She said she would submit my feedback. I asked if I could get a copy of that and she said no.
Product: Student loan

The new XXXX plan was announced. Both my and my husband were on XXXX and have now been placed on XXXX. Now our payments are double what they were - {$1300.00} a month. We can not afford this and the dept or education website indicates our payments should be {$400.00} using their calculator with our IRS data. 


I have tried calling Mohela five times. Each time spending XXXX minutes on hold. Cant get someone on the line. I emailed and got a message back saying to call. 

They want to charge us {$950.00} more for our loans than what the department of education says. I cant not pay the loan or it will damage my credit. This entire process has been ridiculous. I have wasted XXXX hours of paid time off trying to deal with the mistake of Mohela and dont know what else to do.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to a XXXX store and canceled my internet service plan successfully and verified with the staff that the internet service account is closed on the site with {$0.00} balance. However, later my credit card on the file was charged for the full payment of {$64.00} for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. I disputed the charge with the credit card company, which is Wells Fargo & Company, stating that the full amount charge was incorrect as the internet service account had a balance of {$0.00} at the time of close, and I wasn't given an option of keeping to use the internet service from XX/XX/XXXX. The credit card company, Wells Fargo & Company, resolved the dispute in merchant 's favor, stating that I am responsible for the full charge of {$64.00}, because I did not cancel the reoccurring charge, which is the auto pay feature I set up for the internet service plan, despite of the fact that XXXX informed of account balance of {$0.00}, and the fact that I wasn't able to use the full service for the billing period of XX/XX/XXXX - XX/XX/XXXX of XXXX. On the last phone call, I informed the credit card company, Wells Fargo & Company, that I should not be responsible for services billed but not received, and that XXXX should be responsible for false information, if I still owed money at the time of close, XX/XX/XXXX.
Product: Credit card or prepaid card

I made a payment months ago to payoff my gap card and then after received a bill for {$1.00}. I contacted the company and said my acct was paid in full and they said they would correct it and waive the fee. I trusted that they would do so but nope I get another bill next month and now they charged another {$1.00} for me not paying the {$1.00}. So I called again furious for something that shouldve been rectified already and wasnt. The representative assured me this would be corrected and I told her I was very upset and to close my account. The rep assured me and promised it was a mistake and lowered my interest for me to keep the card. So I said thats fine. One month past again and I get another bill again and nothing was fixed yet again and I called again and they were supposed to waive all these fees and close the account. I got the letter that the account was closed and now a couple weeks later I get another bill with more fees because the initial {$1.00} was never taken care of like they promised! Im on the phone w them yet again and waiting for a manager and on hold forever! Id like this taken care of and fixed like ur was supposed to be months ago. Honestly its about principal now this is absolutely ridiculous and I dont understand how this company gets away with this!
Product: Credit reporting

My Credit Report is showing XXXX hard inquiries that I do not recognize, I do n't believe I authorized these credit checks. 

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

I sent my dispute letters to Experian, XXXX, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?
Product: Debt collection

Beginning in XX/XX/XXXX, we could no longer make our mortgage payment on our home in Oregon. We received letters through XX/XX/XXXX that JP Morgan was starting foreclosure proceedings. We filed for Chapter XXXX bankruptcy XX/XX/XXXX in US District Court in XXXX that included the mortgage. The bankruptcy was approved and finalized XX/XX/XXXX. We have worked hard for two years and are at a point to look into buying a home again. When our mortgage broker looked at our credit, he discovered that a law firm in XXXX filed and received a civil judgement on behalf of JPMorgan for the mortgage in XXXX exactly a year after the mortgage was discharged in the bankruptcy. We have had trouble getting jobs, purchasing consumer items with decent interest rates, and now we can not purchase a home because of the civil judgement on a discharged debt.
Product: Debt collection

I paid the amount owed and they refuse to remove it from my credit report. The debt still shows outstanding.
Product: Debt collection

I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX regarding the derogatory credit reporting from this creditor. Credit Corp Solutions responded to XXXX advising that the file was accurate and correct and no action will be taken. I respond back to Credit Corp Solutions in which I submitted a request for Verification of Debt which they received on XX/XX/XXXXXXXX  ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, Credit Corp Solutions has failed to respond back to my request. 

I re-disputed the case with XXXX once again as identify theft in which Credit Solutions Corp again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor XXXX any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX Police Department on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX '' According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.