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

On XX/XX/2023 I initiated a payment from my bank to First National Bank of Omaha for the amount of {$880.00} To this day I have not received credit for this payment that shows as paid by my bank that sent the funds. I have talked to FNBO several times and have faxed the information to them to the number given and they claim they never received it. Each time they say it takes 7-10 business days to process. They refuse to expedite the request and refuse allowing me to talk to anyone in the proper department but I only can speak to a general representative other or those that claim to be leads or managers. 

I understand what caused the problem yet explaining it gets me nowhere. When I usually make payments I initiate FNBO to withdraw on my bank. For this payment I set it up for my bank to transfer payment to FNBO. A few years ago I lost my card and they sent a new one and of course changed the account number. I obviously forgot to change my FNBO account number with my bank so the payment went to an old account number. I have provided them with the old and new account number that it should go to yet they are doing nothing to resolve the matter. This is now the XXXX  business day this has been going on. This is simply unacceptable. I made another payment of {$900.00} just to avoid interest charges and having to go through this again with a bank that provides no resolution for issues.
Product: Credit reporting or other personal consumer reports

EQUIFAX, your company claim to not have processed my dispute due to missing social security card. I've sent my social security card multiple times to EQUIFAX via mail. I will continue to provide what's needed in order for EQUIFAX to comply with the written instructions in my dispute. I demand these unauthorized fraudulent inquiries be removed from my credit report : 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 Also remove all incorrect derivatives of my name from my credit report and only update my report with XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This information is incorrect and does not belong to me.
Product: Credit card

I recently opened a Chase Credit Card account - A XXXX XXXX. Within a month or so of having my account in great standing, paying on time, only using for basic everyday purchases, I received a letter saying they were closing my account. 

Without understanding why, since I have good credit and {$0.00} in debt to my name, no outstanding balances anywhere, I requested a motive. They did not give me XXXX other than in the past Chase had closed one of my accounts. 

About 12 years ago I had a Chase banking account and linked it to my XXXX where I ended up auctioning off things I had around the house. Chase said I was using a checking account as a business, which was very odd, but they ended up immediately closing my account, even though there were only a handful of transactions from XXXX and none that exceeded a few dollars. I went to the branch and was told the decision was final and I did not have the right of an appeal. 

The issue I have is they approved my credit card and ran a credit report, and now I have not only a credit request, but also an account closed under my name and I have never done anything remotely wrong. They put a dent on my credit and I have not broken any laws, rules or regulations.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022, I made a wire transfer of {$10000.00} from my XXXX XXXX XXXXo a personal account with East West Bank for investment in XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX Later on, I found it was a scam. Now the website dinghuifore.com is not active.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS REPEATEDLY FAILED TO COMPLY WITH 15 USC 1681e, ( b ) ACCURACY OF REPORT, 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. THEY HAVE CONTINUED TO ADD INACCURATE AND INCORRECT ACCOUNT INFORMATION DESPITE INFORMATION AND DOCUMENTATION PROVIDED. THE FOLLOWING INACCURATE AND INCORRECT ACCOUNTS CONTINUE TO APPEAR ON MY CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$790.00}, XX/XX/XXXX, ACCOUNT # XXXX, BALANCE- {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$1400.00} ; XXXX XXXX, XXXX, ACCOUNT # XXXX, BALANCE- {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$940.00} ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, ACCOUNT # XXXX, BALANCE- {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$190.00} ; AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$170.00}. I WOULD LIKE TO NOTE THAT THE FACT THAT THIS INACCURATE AND INCORRECT ACCOUNT INFORMATION WAS PERMANENTLY DELETED FROM MY XXXX CONSUMER REPORT AND FILE SHOWS THE WILLFUL NON-COMPLIANCE OF TRANSUNION IN VIOLATION OF 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition, ( A ) Reporting information with actual knowledge of errors, 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, ( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. PLEASE SEE ATTACHMENT, CFPB XXXX COMPLAINT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. REFLECTING THE DELETION OF SAID ACCOUNTS AND XXXX XXXX FILE : XX/XX/XXXX, Confirmation # XXXX ATTACHED HERETO IN SUPPORT OF COMPLAINT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/year> | XXXX : XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Item ( XXXX ) resulting from XXXX  that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account STATES RECOVERY SYSTEMS INC which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATES RECOVERY SYSTEMS INC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I pulled the credit report from Experian on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which stated that old credit items from XXXX XXXX XXXX would be removed from my credit report on XX/XX/year> the information was not removed, and was re-aged to exist longer the information is currently on the credit report as of today, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureau is reporting false information, providing me with dates of deletion and failing to remove by the date as indicated on the credit report. 

see attached Credit report
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these vioations
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a bankruptcy filing from my credit report. I believe that this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA **Reason for Request : 1. **Inaccuracy of Information : ** According to Section 607 ( b ) of the FCRA , credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. If the bankruptcy listed on my report is inaccurate or not reflective of my current financial situation, it should be removed 2. **Time Limitations : ** The FCRA also stipulates that bankruptcies can only be reported for a maximum of 10 years from the date of filing ( Section 605 ( a ) ). If the bankruptcy in question has exceeded this time frame, it is unlawful for it to remain on my credit report 3. **Consumer Rights : ** Under Section 609 of the FCRA, I have the right to request that any information that is inaccurate or can not be verified be removed from my credit report. I am exercising this right, as I believe the bankruptcy does not accurately represent my creditworthiness **Supporting Documentation : I have enclosed copies of relevant documentation that support my request, including [ list any documents you are including, such as a copy of your credit report, a bankruptcy discharge notice, etc. 
**Request for Action : I kindly request that you investigate this matter and remove the bankruptcy entry from my credit report. Please confirm in writing that you have received this request and inform me of the actions taken Thank you for your prompt attention to this matter. I look forward to your response Sincerely
Product: Credit card

I have a Chase Ink Plus Plus card, and I am unable to transfer my ultimate rewards points to my XXXX XXXX account. I have not been given a reason for not allowing me to do so. I understand that Chase does not want me to send points to the accounts of employees ; I am not trying to do that. I am trying to transfer the points from my account chase ink account to my united account and the request is being blocked by the rewards team.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to Equifax credit reporting agency that I was 30 days late on a payment on XX/XX/2018. The fact of the matter was that their system which processes payments was not working properly and as a result did not process payment in a correct manner.I was repeatedly entering my account number and the system was repeatedly saying the incorrect account number back through the automated system. 
I have repeatedly tried to correct this matter however all my efforts have had negative results.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA ( 15 USC 1681c-2 ) that the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint this fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize aforementioned accounts, collections, and hard inquiries. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency shall ( i ) delete that item of information as appropriate, based on the information. Please remove all the inaccurate fraudulent items from my credit report.
Product: Student loan

I had a loan in 2003, i was promised a 1 % max of 1.5 % loan interest. my loan was sold a few times now the last loan Nelnet. they stated i consolidated and i never did, i have no proof of payments made, my interest is at 7 %, i have no documents as : loan agreement, amatrilization, payments made, original promisary note from nelent and from the student laon its self. neither does the financial aide laon people have any documents and nor does nelenet. iv requested these over and over again, my payments made over the years does not show on my principle. there is no proof or evidence of this continued loan or consolidation. When i call nelenet sends me to finacil aide and finaciale aide sends me to nelenet. nelent sent me something like a not original promisary note, they sent me one with fasle information and no signature and further more not completed. 
i am tired of the ru around my loan goes up instead of down. If i do not have these docuents requested then i hould not be obligated. i have been asking for years for info. when i all the financial aid people they are unable tolocate any of my information
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 disputes 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

XXXX, XXXX  and Equifax are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.
Product: Credit card or prepaid card

I was on automatic payments. The last payment bounced because I was away and did not have the money in my account. Citi Visa cancelled my card in XX/XX/2021 after having this card for over 10 years. Because they cancelled it in XXXX, I was not entitled to my end of year rewards totalling over {$1400.00} because I did not have the account at the end of XX/XX/2021! If I had not been on automatic payment at the due date, Citicards would have rolled over my balance and I would have paid interest on the unpaid balance. Instead, they cancelled my card completely just before I was to receive my bonus payment for all my transactions that occurred during the year. This was an arbitrary judgement on their part. I want them to pay me my bonus due at the year end and reinstate my credit card.
Product: Credit reporting or other personal consumer reports

I am writing about the ongoing issue of fraudulent items in my credit file. 
Moreover, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The ongoing presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the items from my credit report. Failure to do so will compel me to escalate this complaint further with you and seek legal recourse to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being XXXX and XXXX XXXX  All three credit bureaus have receipts of payment made prior to 1St but still have not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in process of refinancing and while I was doing the process my XX/XX/2019 payment is showing 30 days late. The issue I am having is that I had send a payment over the electronic pay however it never had gone through. The company is stating they never recieved. I called since the XX/XX/XXXX and once found out that they never got the payment I made a double payment immediately. I tried to talk to them and figure this out, but they would not understand and told me that the only way is to go through a claim. They dont see any record however I have no way of proving anything. I been in contact with them multiple times hours at a time. They always tell me different stories and they even drop my calls and I would have to recall them.
Product: Checking or savings account

This company is holding my XXXX hostage, I'm trying to close the account & move it to rollover ira, & they just will not do it, it's another excuse every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off and closed in XX/XX/XXXX. In XXXX of XXXX, for some reason, a XXXX $ balance was reported delinquent, giving my credit a big ugly dent. 

I spoke with XXXX, who agreed to provide a goodwill adjustment letter. 

Then, I contacted XXXX XXXX, and Transunion and submitted disputes asking them to update and correct the negative information. 

So far, only XXXX has actually been able to fix it, which they did with no hassle ( See attached documents ). They contacted XXXX and confirmed the account was paid off, closed, and never late. 

I submitted my initial claim via CFPB in XXXX, only XXXX responded directly. Now am submitting individually. Thanks.
Product: Debt collection

IC system. XXXX XXXX. Open XX/XX/2016. For {$410.00} Placed for collection
Product: Credit reporting or other personal consumer reports

For over one year, I have diligently attempted to address the inconsistencies between the information provided by Transunion and that of XXXX and XXXX. Despite my efforts, these discrepancies persist, leading to confusion and frustration on my part. It is concerning that the credit profile provided by Transunion does not align with the data furnished by the other two credit bureaus. This misalignment not only undermines the accuracy of my credit report but also raises doubts about the reliability of Transunion 's reporting practices. Transunion 's customer service representatives have failed to provide meaningful assistance in rectifying these discrepancies. Instead, they have insisted that I have no credit profile or have requested unnecessary identification documents for every complaint I raise. This pattern of unhelpful responses and unfounded accusations has only added to my frustration and impeded the resolution of this matter. As a consumer, I have the right to accurate credit reporting and fair treatment from credit bureaus. However, Transunion 's actions have fallen short of these standards, resulting in significant distress and inconvenience for me.