23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My XXXX XXXX Credit card was stolen. I contacted XXXX XXXX and they sent me a replacement card two weeks later. So, the account was not eliminated or removed, it was simply replaced by another Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy All that is listed above is not mine please have them send the CFPB proof of said fact so I can take this to next level
Product: Credit reporting

On XXXX/XXXX/2015 I recieved a responsive from Experian stating that if I do n't provide more information they would discontinue their investigation on a dispute I filed. I called XXXX XXXX today and they said my vehicle was paid on time with no lean or repossessions. They could have found that out also. It took XXXX minutes. XXXX is sending me this in writing within a week, something Experian could have done. Also XXXX dispute was removed from XXXX. I do not want a company to represent me if I am not worth the effort. I am going to contact the FTC and BBB and possibly a lawsuit.
Product: Credit reporting or other personal consumer reports

I have disputed this case over and over. The fraudulent check was an IRS tax refund check. I told Flagstar that I do not feel that this is my issue to repay. I didn't do it or even knew about the deposit until my account show {$990.00} in the negative.
Product: Credit card

I had made a purchase at XXXX and I am a member and also hold a capital one XXXX credit card. Since I am a member, I can return a purchase up to a year after purchasing if it doesn't fit my needs. I returned an item, and they gave me partial cash and XXXX was to go back to my XXXX  Credit card. I have waited over a month and Capital one says they never received it, and XXXX gave me a reference number to give Capital One, but they claim they didn't receive the refund. I have spoken to Capital one and XXXX and neither of the two companies are willing to help me. I have emailed with multiple people at XXXX and no reply. The card that XXXX was going to issue the refund to was not a valid card as it was stolen, and I notified the XXXX Cashier about it and his response was that it will be still credited to the account of the card holder. Yet, I have no refund of the XXXX.
Product: Credit card or prepaid card

I have had Amex cards since 1997. I have had Membership Rewards points for a few years now. Every time I try to redeem points, they freeze my rewards account. When I call they say now that its a technical issue thats been going on for the last week, and to give it a few more days. Everytime I contact them I get another answer. This time they say its a technical error, but the error says my rewards account is being reviewed. At this point I am about to file a small claims case against them for the points and terminate my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the summary page of my credit report with Transunion they have 12 accounts listed as NEGATIVE. But  when you look at each account it does not say negative account. There is not supposed to be any reporting of any accounts as negative. This complaint refutes the 12 negative accounts LISTED ON THE SUMMARY PAGE OF MY TRANSUNION CREDIT REPORT. You ARE NOT REPORTING ACCORDING TO THE FCRA or bankruptcy law because there would not be 12 ACCOUNTS LISTED ON THE SUMMARY PAGE OF MY REPORT AS NEGATIVE.
Product: Credit card or prepaid card

I have a credit card with Capital One that accumulated {$2900.00} in cash back rewards. For no reason, the account was closed and have been denied the earned cash back rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( Account Name and Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX, I am writing to dispute inaccurate information on my credit report. The account in question is listed as : Account Name : Credence Resource Mgt Account Number : Balance : {$1000.00} Status : Placed for Collection I believe this information is inaccurate because the debt is not mines. I am requesting that you investigate this matter and remove or correct the inaccurate information on my credit report. 

Please investigate this matter and update my credit report accordingly. I would appreciate a written response regarding the results of your investigation. 

Thank you for your attention to this matter. If you need any further information, feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Innovis, XXXX, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
Product: Checking or savings account

My identity was leaked onto the internet by XXXX XXXX XXXX including checking account routing number and checking account number. Fraud occurred over a course of 6 months where my account was steadily drawn down until I was several XXXX dollars overdrawn and bank made no mention of identity theft or fraud and took no responsibility. I spoke with XXXX XXXX at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regards to this around XX/XX/year> and he said that the bank is only responsible for 60 days of fraud other than that I can take it up with MasterCard but they were not going to refund anymore of the fraud or the overdraft fees that resulted from the fraud. Long story short I'm out approximately {$3000.00} from Huntington Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 a credit card account was opened in my name without my permission. I have never opened a credit card account with XXXX XXXX. I have no connections to this account. No information on my credit report is associated with this fraudulent account. This account was blocked from reporting on my credit report due to identity theft over 4 years ago. I woke up yesterday and saw that is was posted back on my credit report. 

I have signed no document stating that the account was blocked in error. 

I did not knowingly obtain, nor did I know that I obtained possession of goods, services, or moneys as a result of blocked transactions or transactions. Once I saw the fraudulent item on my credit, I disputed it immediately and it was removed. 

The request to block this account was not based off of material misrepresentation.
Product: Student loan

Hello, I graduated from XXXX XXXX XXXX in XXXX NY in 2004. I have been paying on the loan for the past 12 years, have paid off very little principal, the interest is adding too fast. I would like to get these loans forgiven because the school has gone out of business, the degree has no accreditation and no respect in the work world. I was defrauded by this company. I have federal loans from XXXX XXXX, and private loans with Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX  XXXX  ( account opened fraudulent in my credentials ), United Revenue Corp, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I contacted TransUnion Tenant screening department to request a copy of my tenant screening report. I was told I needed to email the appropriate department with a copy of handwritten letter requesting what I needed along with my id and drivers license. I was told I would receive an auto response confirming theyve received it. I was then told I would be receiving report within 24-48 hours after auto response. Today, I called transunions 7 times. 6 of those times, agents answered the phone and just hung up in my face. I finally got an agent on the line the 7th try. The agent babbled about how I would get my report by the end of the day and basically making excuses on why I havent received anything. Ive yet to receive my report which is getting in the way of me finding a place to live due to possible incorrect information.
Product: Credit reporting or other personal consumer reports

THERE IS A XXXX ACCOUNT ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE TO BE OPEN USING MY PERSONAL INFORMATION AND I BELIEVE THIS IS A CASE OF IDENTITY THEFT. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AS THESE NEGATIVE REMARKS ARE HINDERING ME FROM OBTAINING NEW LINES OF CREDIT. ALSO THERE ARE XXXX HARD INQUIRIES THAT I DID NOT INQUIRE XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XXXXXX/XX/2023 XXXX ( Finance ) XXXXXX/XX/2023 I NEED THESE ISSUE HANDLED PROMPLTY PLEASE TO AVOID LEGAL ACTION
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 XXXX XXXX XXXX  and I seek appropriate redress ( 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXXXXXX XXXX XXXX : {$3200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX CREDIT COLL ( Original Creditor : XXXX ) XXXX : {$62.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX FS XX/XX/2021 ; XXXX XXXX XX/XX/2021
Product: Mortgage

Shellpoint mortgage servicing increased escrow accounts by 40 % this year based off of false information regarding my property taxes. I appealed with them several times and they will not reduce my impounds back to where they were. Furthermore, the actual mortgage originator and shellpoint mortgage servicing told me that my impounds would only last for 6 months. Also, my escrow balance is very high, too high based off of the increase in escrow.
Product: Checking or savings account

I overdrew my account. Capital One sent me two emails on XX/XX/21 saying I had until XX/XX/21 at XXXX to bring my account balance to a negative {$5.00} or less then they turned around and billed me the fee on the XXXX and I called twice and despite me telling the reps about these emails they refused to remove the fee. I sold my daughters XXXX XXXX to make this payment and pay another bill who will only take a card and now I can not pay either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Account Information Under FCRA Dear XXXX, XXXX am writing to dispute inaccurate information appearing in my credit report, which is under your responsibility to maintain with the maximum possible accuracy, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
The following account is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX. This account violates the following laws under the FCRA : XXXX. 15 U.S.C. 1681i : You are required to conduct a reasonable reinvestigation of disputes related to credit report inaccuracies. 
XXXX. 15 U.S.C. 1681s-2 : Furnishers of information are required to provide accurate and complete data to credit reporting agencies. 
XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) : Inaccurate or unverifiable information must be deleted promptly. 
XXXX. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information contained in consumer reports. 
The account in question is inaccurate because name of the original creditor is inaccurate '', the original creditor operates outside the United States ( in this case, XXXX ), legally can not be enforced or reported under XXXX XXXX laws. " and the debt is legally invalid. 
I request that XXXX : ( XXXX ) Delete this account from my credit report immediately, as it violates the FCRA provisions outlined above. ( XXXX ) Provide me with an updated copy of my credit report reflecting this change. ( XXXX ) Inform me of the results of your reinvestigation within the legally mandated time frame. 
Enclosed are copies of supporting documents ( e.g., my identification ) to assist in resolving this matter. Please treat this letter as a formal dispute. I expect your response within 30 days of receipt, as required by the FCRA. 
I appreciate your prompt attention to this matter. I look forward to your response. 

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

I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
XXXX ) XXXX XXXX XXXX XXXX XXXX Auto ) ( XXXX XXXX ) XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX ( XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Curo ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Account XXXX XXXX XXXX {$250.00} ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX  Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of Ed/XXXXt Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received an email from XXXX, citing fraud detection on my debit card. XXXX days later, on XX/XX/XXXX, I received XXXX calls from call identified on my phone as WELLS FARGO. I called the WF customer service number back at their posted customer service number, XXXX ( phone record screenshot attached ). I spoke with a 'banker, ' XXXX XXXX XXXX on a long conversation which went over my debit card expenditures ( some valid, some not ). It was a XXXX hour phone call. I was told that my accounts had been compromised, that I should transfer funds from my XXXX private accounts to my business account, XXXX, XXXX. There were lots of back and forths with those transfers from wellsfargo.com. Ending result was a wire transfer in the amount of {$18000.00} to the banker, XXXX XXXX. I was told my funds needed to be put in a holding account to keep my money safe while the fraud was investigated, passwords were changed, etc. and to wait XXXX hours for the transfers to all go through. 

I went to the Wells Fargo branch on XXXX XXXX on the morning of the XXXX to order a new debit card, and to discuss the transactions. There was only XXXX teller and XXXX wealth management person in the bank, and they sent me to the XXXX branch, about XXXX miles from my home, where I sat with a banker who filed a fraud investigation, also on the XXXX. I went back to the bank twice more, seeking information about the investigation. After long phone waits, I was told the investigation was still active. On XX/XX/2024 I received a letter from Wells Fargo ( attached ) that the fraud inquiry was closed, and that the bank would not be able to reimburse me. 

I'm a commercial fisherman, and these funds, all I had, were to be used to prepare supplies, travel, etc for the upcoming season. The news was devastating. I find it especially hard that I called a published Wells Fargo number, and that scammers seemingly can override published numbers and mask caller IDs. It makes XXXX wary of conducting any banking over the phone or online. Stuffing all my cash under my mattress would have been a safer solution. I would expect Wells Fargo to protect its phone numbers and email addresses so customers could have trust that the numbers/addresses actually belonged to the bank. 

I have also reported this fraud to the FTC.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress.

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Checking or savings account

X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee
Product: Debt collection

In XX/XX/XXXX, the debt collector threatened to add this medical debt on my credit file, and stated my score would go down. I inquired about the debt collector sending me Proof of the debt. I received the document and reached to the creditor. I advised due to the Presidents XX/XX/XXXX, Executive Order on strengthening access to affordable, quality health care coverage, that the debt could not be added to my credit file for 2 reasons : 1. The medical debt is under {$500.00} ( {$480.00} ) and that the collection agency has had the debt less than 6 months ( They received it in XX/XX/XXXX ). In the Executive order the President 's Administration also noted the following, the Consumer Financial Protection Bureau ( CFPB ) will investigate credit reporting companies and debt collectors that violate patients and families rights and hold violators accountable. The CFPB has already issued a bulletin to prevent unlawful medical debt collection and reporting. A month before the Executive order was signed, the three largest credit reporting agenciesXXXX XXXXXXXX, and XXXXannounced that they will no longer include certain forms of medical debt on credit reports, removing XXXX of dollars in debt from consumer reports. This change covers borrowers with already paid debts, unpaid debts less than a year old, and debts paid or unpaid under {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.