23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Product: Credit card

I signed up for a Chase Freedom Unlimited credit card, which had an advertised sign on bonus of {$200.00} if you spend {$500.00} in the first three months. I did that, and never received the bonus. When I called them they claimed my account had a different sign on bonus applied, not the one advertised, and I had never been informed of this. The sign on bonus they gave is a 12 month higher cash back rate, but it requires much more spending and a long amount of time to reach the same dollar amount as the sign on bonus I was advertised, and I was never given any other information about this other bonus.
Product: Debt collection

XX/XX/2018 - I sent a letter to all three credit bureaus requesting them to verify the debt with Commonwealth Financial. 

XX/XX/2018 - Received a letter from XXXX  stating that the account has been verified. 

XX/XX/2018 - I have sent a letter to Commonwealth Financial asking them to validate the debt. I also sent letters to all credit bureaus asking them for verification procedures to justify how they verified the account. 

XX/XX/2018 - Sent a letter to all three credit bureaus after the account was verified with them, however I have yet to receive a response from Commonwealth Financial, and they are still reporting on my credit with no accountability.
Product: Credit card or prepaid card

On XXXX I contacted Fifth Third Bank @ XXXX XXXX. and spoke w/ XXXX and informed him of an unauthorized charge of {$250.00} from a hotel. He said that there was not a charge showing yet but not to worry it would not be charged to my card. However. 2 days later it was charged to my credit card. I did not see it until I remembered to check my online account on XXXX and I immediately sent an email to the bank President. On XXXX @ XXXX ; XXXX XXXX. I spoke with XXXX from the office of the President, and she said that she could not see the case number, which I found to be strange. However, she told me that they did not have the ability to block a charge from a vendor once you have used them or entered into a contract and asked if XXXX suggested to me to cancel the credit card and I told her no he sure did not and in fact he assured me that my card would not be charged, so this is the bank 's fault. She said that she would have someone contact me by Monday, XXXX, but I only received a letter dated XXXX stating they initiated a review, which was the same day they finally put the money back on my card only to charge it again on XXXX. They have refused to refund my credit card, when it is their responsibility to protect it against fraud and unauthorized charges. The charge was made by XXXX XXXX XXXX XXXX XXXX XXXX. The room was booked as a smoking room on XXXX to XXXX. The hotel clerk ( XXXX ) did not tell me upon arrival that there no smoking rooms, because I never would have checked in. However, they have lied to the bank and said that they had signs posted and it was posed on their website. I did not book on their website, but instead booked on XXXX. I do not smoke but I like to burn incense to get rid of the stale smell of hotel rooms, therefore I book smoking rooms to avoid being accused of smoking. However, this room smelled like smoke when I arrived and I could not even stay in the room, so I left and came back several hours later. Also, this hotel was not even fully operational as it did not even have any televisions working. This also was not posted in the lobby or on XXXX. I never would have rented a room without a working television. Who would? However, they want you to believe that they had smoking signs posted when they were only renting out of one building. That's absurd. I contacted the facility and tried to explain to XXXX, and he hung the phone up in my face. They did not even have a working phone number listed on the website of XXXX or theirs at that time. I had to call XXXX, and they called and got the number for me. My bank wants to believe them over their long time exceptional paying customer. This is disrespectful and the MOST HORRIBLE CUSTOMER SERVICE I have ever had. They do not want to accept and correct their mistake. If their employee ( XXXX ) had not given me the wrong or bad information I would not have had to go through any of this. I have sent the President three letters. Unbelievable. I am XXXX and can not afford for my money to just be taken from me in this way or any other way.
Product: Vehicle loan or lease

Citizens bank has failed to resolve an online banking issue. Currently I have no access to my loan account through its online services ( website or app ). I was able to create a user ID and password but after signing on no accounts are viewable. I have sat on hold with customer service for hours and been transferred back and forth between the loan dept and online banking dept. one representative told me they would have the issue corrected and that he would follow up with me. That did not happen. I then visited the closest branch and was told by a banker and branch manager that would work to have the issue resolved. It has been months now with no resolution and no follow up. I am always the one seeking out answers from Citizens Bank and no one has been able to solve the issue of seeing my loan account online.
Product: Credit reporting or other personal consumer reports

I have 4 hard inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I saw a delinquency report on my XXXX account. I was concerned because to my knowledge I didnt have anything delinquent. It was listed by First Portfolio Ventures, phone number XXXX. I called this number to inquire about the report. I was told that the last payment of the personal loan I had ( their reference number XXXX ) was not received. This loan was paid completely by automatic withdrawal from the company. From day 1, the money was in there for 4 or 5 years the life of the loan. No late or delinquent payments. Never a call to say the money wasnt in the account. Nothing. So I was perplexed. Why hadnt the last payment been taken out? I assumed the loan was done. Then 3 months later my credit score tanked. 
When I asked what happened they said the final payment was a different amount so they couldnt take it out without permission. I told them nobody ever called to tell me this and when the girl, XXXX looked through the file she said you are right nobody did. So I immediately asked what to do and paid it as soon as I got off the phone. I believe I had to go online to pay it. They credited it on XX/XX/XXXX. However they never removed the delinquency from my credit report. My score was up in the mid 700 range and now it is mid XXXX. My payment history for my credit has been impeccable. If you look at my report there is 1 negative thing in 7 years. I had tried to call and speak with a manager after the initial call and had to leave a message for someone to get back to me on XXXX occasions. Nobody ever returned my call. The last time I called they told me that the original owner of the loan took back all information and they werent allowed to do anything further with those accounts.
Product: Credit reporting or other personal consumer reports

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, XXXX  and TransUnion removed. Specifically, accounts that are 7 to 10 Years old or more  are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

These inquiries does not belong to me, and I have no any connections with the listed creditors. I urgently request that they be removed from my credit report.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to equate 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 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 those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company called Portfolio Recovery Associates is reporting to the XXXX  Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX  credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint
Product: Credit reporting or other personal consumer reports

I am writing this statement to address a serious issue that has come to my attention regarding unauthorized financial activities carried out in my name. Recently, I became aware that I am a victim of identity theft. As a result, there may be attempts to open auto loans or lines of credit under my identity. I wish to make it categorically clear that any such activities in the year XXXX  were not initiated or authorized by me. 
Identity Theft Incident : I discovered the identity theft on XX/XX/2023. Since then, I have been actively working with legal authorities and financial institutions to resolve this matter. 
No New Accounts Opened : I affirm that I have not applied for, opened, or authorized any new auto loans or lines of credit in the year XXXX  OTHER than accounts bearing my authorized signature. Any records indicating otherwise should be treated as fraudulent and a direct result of identity theft. 
Preventive Measures Taken : To address this issue, I have taken preventive measures, including placing security freezes on my credit. 
I appreciate your understanding and cooperation in this distressing matter. Identity theft is a serious and unsettling experience, and I am committed to resolving this issue and safeguarding my financial integrity.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Subject : Dispute of Inaccurate Information on Checking Account Report Dear Consumer Relations Department, I am writing to request an investigation of the following accounts listed on my ChexSystems report that I have never opened or used. I am requesting that these accounts be removed from my report as they are inaccurate and negatively impacting my ability to open a bank account. I am requesting an investigation of the following accounts. I have never opened or used these accounts. I am requesting the following information to be deleted from my early copy of my report and for this request to be investigated. List of Accounts : [ XXXX XXXX XXXX XXXX XXXX ] : [ ACCT # XXXX ], [ XXXX # XXXX ], [ CLOSURE DATE : XX/XX/XXXX ] [ XXXX  XXXX XXXX ] : [ ACCT # XXXX ], [ XXXX # XXXX ], [ CLOSURE XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ ACCT # XXXX ], [ XXXX # XXXX ], [ CLOSURE DATE : XX/XX/XXXX ] [ XXXXXXXX XXXX  XXXX XXXX XXXX [ ACCT # XXXX ], [ XXXX # XXXX ], [ CLOSURE DATE : XX/XX/XXXX ]
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am a consumer by law and this formal complaint was not sent in error or default. The information on my consumer report is not reporting 100 % maximum accuracy as well as being unauthorized use of my information. It has been well over 30 days with no response from XXXX and by law these erroneous accounts must be removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found two late payments for the following dates : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

On XX/XX/XXXX  I made a purchase for {$110.00} from XXXX for 4 pairs of legend of XXXX swim trunks. Said company sent 4 pairs of flimsy shorts with no mesh in the XXXX for support of XXXX XXXX I emailed the company and they claimed I ordered board shorts and the ad was taken down, then reposted temporarily with the correction board shorts before taken down again. They asked me to submit a screenshot of the ad, and I told them it was removed. They then asked me to return them in exchange for a 15 % discount on a future order. I declined requsting either my correct order or a full refund. They came back offering a 5 % DISCOUNT. I said absolutely not. They then asked if they could send a partial {$80.00} I said no. 
XX/XX/XXXX I called chime and filed a dispute. They said I wasn't allowed a provisional credit bc it was above the allowable amount, but I'd have an answer in 90 days. 
XXXX XXXX XXXXXXXX 20 days later I was not issued any credit. 
Meanwhile, I'm still arguing with nursecloth, asking for a refund. Bu this time they begin asking for my bank information. I said absolutely not, they had my card information. They said they were getting declined processing the refund allegedly. Chime claimed there was no attempt on nursecloth side to send any money. 

A 3rd party ( XXXX ) began emailing me for my bank information because they allegedly were having problems issuing a refund. I told them they can XXXX me the refund or other acceptable means but they insisted on my bank information. 
They also begin telling me that since the dispute is open, it's preventing the refund, I must close the dispute before I get my refund. Obviously if I close the dispute they'll never give the refund bc it'll look like the account was settled Meanwhile XXXX is 90 days and chime denied my claim stating there was no error on XXXX part. They said I needed to file an escalation and they'd send me a letter on why I was denied ( they never do send any letters ). I submit appeal with all correspondence from XXXX, mapiet and myself. 90 days, denied, XXXX filed appeal, allegedly nothing wrong, included email where XXXX admits I'm due a refund and received nothing, 90 days XXXX same cycle. No explanation. By this time, XXXX has shut down the website, they have blocked me, mapiet stopped responding and chime insists I can sue if I want but nothing will come of it.
Product: Money transfer, virtual currency, or money service

I was attempting to buy tickets through an online server from an independent poster. The poster requested that I pay through XXXX. I chose to use XXXX by Chase. I was unaware that there was no grace period upon transferring money. I realized that I was being scammed about ten minutes after the transfer and called Chase some thirty minutes later. They informed me that there was nothing they could do. I am very frustrated. There should be safeguards in place for this sort of thing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and found that there are inaccuracies in the reporting of late payments. Specifically, I observed that you have reported late payments for the following date : XXXXXXXX  under the account name XXXX XXXX XXXX  with the account number XXXX I request that you promptly update these late payments to reflect their accurate status as " PAID AS AGREED. '' It is crucial that this information is rectified as soon as possible, as it is adversely affecting my ability to pursue the purchase of a new home. 

Your immediate attention to this matter is greatly appreciated. Please confirm once the necessary amendments have been made. 

Thank you for your prompt action in resolving this issue.
Product: Credit reporting or other personal consumer reports

This is one of several attempts to inform credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$0.0XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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