23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a XXXX credit card for 5 years. Always pay balance in full. Signed up for online billing never received bills. Got phone call stating that I was over 30 days late. Paid immediately, they reported me to credit bureaus for being 30 days late. They said I was late and charged me {$25.00}. Since I always paid my bill in full I did n't know I had a late charge of {$25.00}. Because I did n't pay that late charge they put it into the credit bureau as an over 30 day late. Contacted XXXX, they moved all the late charge and other late fees that incurred because the XXXX late charge did n't get paid but they did not remove the 30 days late on my credit report. My perfect credit is being tainted by a late payment of a late charge that incurred because I never got a bill. XXXX ended up removing all the charges because I never got the bill and my perfect credit history with them was evidence that something was wrong. To stop the instantly I have set up automatic payment of my XXXX charge so this never happens again. 
I am requesting that the 30 day late be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote a letter to XXXX, Equifax, and XXXX  about a Major Issue on my credit report about a Bankruptcy. The account has incorrect, inaccurate, and inconsistent information reporting on all 3 bureaus. Which represents 4 major violations on my credit report with this account. 

I am having a problem with XXXX, Equifax, and XXXX. I filed a dispute and Their investigation has taken more than 30 Days and I have yet to receive a response from them.
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 my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 t for these violations.
Product: Credit card

I had a dispute with merchant simply thai for {$5.00} as the merchant gave me the wrong order as I was driving back to XXXX from XXXX XXXX  and this merchant was on my in XXXX. When I got home I found they gave the wrong soup than what i had ordered so i called the merchant and they refused to refund me. I answered all the questions thrice to the jetblue disputes team and then dispute was closed in the merchant 's favor which I dont agree at all. I need my money back as the merchant was at fault.
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
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Product: Student loan

On XX/XX/XXXX, I received an email that a payment was due on my account. I called in and spoke to a representative and they notified me that I had a missed payment. I was told on previous occasions that Navient does not report missed payments to the Credit Bureaus until they hit 90 days. The gentlemen that I spoke with also confirmed this and said that as long as a payment is made by XX/XX/XXXX there would be no negative Credit Impact. I immediately scheduled a payment. 
On XX/XX/XXXX, I received a credit alert that I am 60 days late ( attached ). 
The account never went over 30 days late and I believe that payments were improperly applied. 
Looking back at my bank records and online Navient Profile this is inaccurate for multiple reasons. 
Going back to XXXX, there was a payment made on XX/XX/XXXX then on XX/XX/XXXX, the account had never gotten 60 days behind. 
Also, the Online Portal shows payments for all three months being received back to XXXX, which contradicts what is being reported to the credit bureaus. 
Also, the account went from 0 Days Late to 60 Days Late. How can this be possible? There would need to be a 30 Days Late. A 60 Day Late payment has a much bigger impact than a 30 Day Late, which is unfair to the consumer. The consumer should be alerted to be given the chance to correct anything before it hits 60 Day Late Status. 
Enclosed is documentation supporting my request : Please investigate this matter and correct the disputed items as soon as possible. For many reasons I believe this should be corrected. Most Notably, I was told inaccurate information from the Customer Service Rep on XX/XX/XXXX, who clearly stated that there would be NO CREDIT IMPACT AS LONG AS PAYMENT WAS MADE BY XX/XX/XXXX, which can be heard from the recording of the phone call.
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 XXXX XXXX XXXX XXXX. ( 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.
Product: Credit reporting or other personal consumer reports

After multiple letters of me showing inaccuracies reporting on this XXXX XXXX Account # XXXX the credit bureau EXPERIAN , said the account was verified and updated. However there was no investigation done again! here is the proof the the information was not changed after EXPERIAN said it was! this is a huge FCRA violation.
Product: Checking or savings account

Chase Bank closed my acct with no reason given to me whatsoever! I used the debit card as allowed and I do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 accounts with Affirm. I was supposed to get 4 payments interest free on each account. I did not. I sent payments to pay each account off and they did not apply them correctly. It took a couple of weeks to get them to apply it correctly and now they are reporting them delinquent. I was never 30 or 60 days late on ANY account with them.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I discovered some instances or late payments on an account which I have always maintained on time payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX account number XXXX. 

I request a thorough investigation into these discrepancies and urge to such proof. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}
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 XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -
Product: Debt collection

XX/XX/XXXX, I ( XXXX XXXX XXXX, called XXXX XXXX XXXX to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that XXXX & XXXX had lied just to get account information and to receive payments. I specifically asked XXXX & XXXX to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to XXXX & XXXX again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX in XXXX XXXX, XXXX. XXXX & XXXX also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail? 
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights
Product: Student loan

I received an offer of settlement from the servicer National Credit Services dated XX/XX/2019. Ive contacted this company by phone on at least four occasions. The services has failed to contact me and discuss the terms of settlement being offered by the US Department of Education.
Product: Credit card

I have contacted this company numerous times and sent them. FTC reports at least three times. I also included copies of my bank statements because they said there was payments coming out of my bank statements and it proves there was no payments coming out. This company sent me a letter stating they do not have to investigate my dispute. I forwarded copies of the letters they sent me saying they dont have to investigate to the credit bureau showing. They are not even investigating. They are just denying the dispute. They have never once sent me copies of statements from any of the accounts!! I also spoke to a representative named XXXX XXXX from the company and he told me they are closing the dispute every time without reading the documentation as frivolous they have HIPAA information about me and my son. And yet they refuse to respond or do an accurate investigation. I was notified by a credit bureau that my Social Security number is linked with a deceased person showing there has been issues with my credit and everything the phone number ending in XXXX was my ex-husbands and it was transferred to me. Recap : phone number belonged to ex-husband, bank account has no transactions coming out from this company, FTC report was sent! ( Please do not close this as a duplicate complaint because Ive sent more and more information to them )
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Debt collection

I checked and my credit and saw an unknown account i immediately sent them a registered letter requesting a copy of a contract or my signature. Took 63 days for them to respond and the only information i received was my name, my last 4 ssn and an amount, i called the number they provided and ask them to provide proof this was my account. They said they do not have a contract with me and when i said then i want this removed from my credit bureau immediately due to the FCRA .They at this point got really angry and began to yell. They will not provide me or the bureaus with anything other than this one page. Please help me! the company is Portfolio recovery
Product: Debt collection

On XX/XX/XXXX I received a email from a person name XXXX XXXX claiming to be a attorney that stated the following.. 

I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today From Mr. XXXX XXXX. The accounts department of National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 

Docket no : XXXX Case File # : XXXX Subject : Loan/Debt Recovery Case File Transferred to NCC INC. : XX/XX/XXXX Amount Owed : XXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If you still want to resolve this account then contact us at XXXX at your earliest convenience. 

I have no idea why this was sent to me ... they did list the last 4 digits of my SS # ... which concerns me ... I feel that someone from a cash advance that I applied for in the last few months have forward my info with my email address to this person who is trying to scam me.
Product: Credit reporting or other personal consumer reports

I logged in to my Equifax, and I see a blank report under my account. The website XXXX XXXX XXXX shows the error that I need to call custom care and say this error code : XXXX. 

I called many times and only what they say : " There is a technical problem with your account. We escalate this and give you a call back '' They never called me back and didn't fix the issue. So I cant use this at all. 
I am also unable to purchase their premium products because they are canceling all my attempts to purchase them. I feel discriminative, and agents from Equifax can't help or resolve my problem. 

It's been 6 months already I'm trying to get my account fixed. 

With all being said, I can't get my credit report
Product: Credit card

I had contacted Discover to report fraud on my account last year. The employee who took my report apparently filed it as disputed charges and not fraud. Discover told me there was never fraud reported, so they just recently a few months ago started the fraud investigation. I was contacted by an investigator who asked me some questions and confirmed that the contact information and email address used to purchase items on the card did not belong to me. Shortly after, Discover denied my claim and placed the fraudulent charges back on my card. They simply wrote a letter that said that they determined there was no fraud. No reason, no evidence ( there was only evidence that there clearly was fraud when I spoke to the rep on the phone ) I need these fraudulent charges removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to Experian XXXX XXXX on XX/XX/2022, concerning erroneous information published on my credit report. Its been over 30-45 days & I still have not received a response from them as of yet, XX/XX/2022. I did not send it as certified mail, but I know that theyve received my notice b/c they updated the dates, the amount of open & closed accounts, & 2-year payment history on my report. They have not acknowledged my request, nor have they notified me of the beginning of their investigation process or results.

I want them I to be held accountable for their negligence & the damages Ive experienced from them not committing to completing a proper investigation. As by law of the FCRA, they are required to.

15 USC 623 : 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.

15 USC 611 ( A ) : If the completeness or accuracy of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Bank account or service

A total of {$1400.00} was withdrawn from my account via " Chase ATM withdrawals '' at a Chase ATM in the Chase bank I bank at and originally opened my account at. This amount took the form of XXXX ATM withdrawals in the amounts of {$200.00}, {$200.00} and {$500.00} in a period of a few minutes. Two days later an ATM withdrawal of {$500.00} was done at the same ATM. I have not used this ATM in months ... It 's completely fraudulent, and Chase has told me that they will not refund any of the money because they are ATM withdrawals and they claim it 's impossible for it to not be me. Well obviously it 's quite possible, because it was n't me!! 
I opened a police report over the weekend to hopefully obtain a subpoena so that the video can be looked at and the scammer can be caught. I 've yet to hear anything back from the police however. The police report # is XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have unauthorized charges on my credit profile.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX there were hard inquires placed on my account without my permission. I've asked the dealership to not send my application to this due to a previous rejection from the bank on XX/XX/XXXX and they specifically ignored my request.
Product: Money transfer, virtual currency, or money service

I am trying to sell a couch on XXXX XXXX XXXX  and I got scammed. The scammer convinced me that I needed to send {$300.00} to the Zelle agent in order to up my credit limit. 

I reluctantly did because this was my first time selling something on marketplace and the email looked like it came from a Zelle accredited email. 

This all happened on XX/XX/XXXX XXXX