23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was first contacted by XXXX on XX/XX/XXXX. They offered me an interview for an internship. I wasn't suspicious at all because I had applied to around 20 internships in XXXX, so I thought this was just another company I had applied to. After the email, they told me to download and join XXXX XXXX in which we would communicate with each other. During my interview process, I was interviewed by someone named XXXX XXXX. After my text interview, I was told that I had been accepted for the position. They told me it would be a remote internship in which I would be paid {$25.00} an hour biweekly. At this point, I still wasn't suspicious because this seemed normal for an internship. Then, they sent me a form that I had to fill out to accept my offer for the internship. They stated that I would start my two weeks of training on XX/XX/XXXX. Then, they sent me a check for {$1800.00}, and they told me to deposit it in order to buy materials for the internship. They told me the money would be used for a computer. After the check was deposited, they told me to I had send XXXX XXXX the check money so she could get the specific computer that I needed, and I was told to send it in two amounts in order for it to process. I sent XXXX two payments, {$980.00} and {$880.00}. After I sent the two payments, they proceeded to send me another check stating that the money was going towards more materials. I didn't deposit the second check, and I decided to call the company, XXXX, the next day to confirm that this internship was real. After I called and confirmed that the internship was not real, I immediately called Bank of America in order to put a claim in. They transferred me to XXXX where I put my claim in for the wired transfers. After, they told me to be patient and the XXXX money would be transferred back into my bank. I told them that the check was more than likely fake, and that I needed to do something about that because I didn't want my account to be negative. The Bank of America representative told me the check went through, so I shouldn't worry about a negative balance or the bank taking back the check money ( even after I already transferred the money to XXXX XXXX. On XX/XX/XXXX, my account was - {$1700.00}. Then, I got an email saying that my claim was denied, they were unable to do anything about the scam and I had to pay the negative balance. I called Bank of America once again, and they said that they couldn't put a claim in for the check because the money was already back in the original person 's account. Now, I am stuck with a negative balance, and I do not have any other solution or option. I had all of the texts and emails starting from the email saying that I was accepted for an interview to the last day we talk. Please contact me if those documents are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$25000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$170.00} XXXXXXXX XXXXXXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights. 

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

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have contacted Oportun numerous times on why I keep receiving notices about being late on my original loan from them. I refinanced my loan, but they keep saying that the previous loan is still open and have late payments. I was advised from an Oportun representative that my credit just wasnt updated yet and within the next month, it would be closed out and show that it was refinanced. Now they are ruining my credit by reporting that its charged off when its not. I want this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Six months ago A Georgia Company called XXXX XXXX entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To MRS Associates in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I am 100 percent sure I paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFFA ). 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate and redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. XXXX XXXX XXXX XXXX XXXX , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been dealing with USA auto services or sales. Back in XX/XX/2022 I purchased a XXXX XXXX. 
In XXXX I had difficulties with the vehicle not working due to the killswitch that they had in the vehicle I complained to the company several times a few months after that, the company went bankrupt. I have been notified by another company but I'm not sure if that's the correct place they will calling about me paying for the loan and now they have stop calling. I can not get replacement tags on the vehicle and I had stopped paying the insurance on the car because it wasn't working. I have not gotten any resolve from the issue. And now I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ARVEST BANK - EQUIPMENT add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

LATE PAYMENT LETTER Your Name- XXXX XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip code XXXX IL XXXX Receiver Name XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 

LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX Best Egg.- XX/XX/XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX XXXX Best Egg XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make paymentsA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please re investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed.

I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made.

Thank you for your attention in this matter, Last : First-Middle Without prejudice, All Natural Rights Reserved
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I received an email on XX/XX/2019 at XXXX XXXX about a pre-approved refinance. Upon calling to get my pre-approved refinance, I was told I need to pay {$5700.00} in order for the new rate to work. The phone number advertised is XXXX. I spoke to XXXX XXXX ( XXXX ) at Caliber Home Loans. My loan number is XXXX. XXXX 's direct phone number is XXXX. The address is XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

My Experian credit freeze account was compromised. Experian made it almost impossible to talk to a person about the issue. They have no two factor authentication, they have no process for assisting consumers that are victims of having their accounts hacked other than for that consumer to provide to them even more identifying information than they already have on file. 

The Experian security issues surrounding their poorly designed Experian account functionality are well documented in the press, and not only have they not fixed this issue adequately they have made it virtually impossible for consumers impacted to get any help.
Product: Credit card or prepaid card

I've had my XXXX XXXX for 10 years and worked my way up to a XXXX credit limit during most of that time. The balance and usage fluctuated all the time when it more recently went up to XXXX. The fees are way high so paid off XXXX by way of balance transfer with another card in XX/XX/2020. Then days later my credit limit with Chase is lowered to XXXX. It really effected my credit score. I've tried 3x to fix this with Chase but they refuse to reinstate it when this was purposefully a way to penalize me. A so called " supervisor '' called me back and when he heard some swear words ( that I was referring to the action taken not at him ) he makes up a lie saying I cursed at him and he hung up on me. They came up with bogus reasons and delinquencies that were never there. I was a few days late here and there in my 10 year history but never delinquent or reported that way to the bureaus. They are standing firm in only running my credit again and penalizing me some more to see if I'm worthy of the same limit but they just lowered it so I'll take a hit twice. I'm baffled and disappointed that they even have these things in place and are doubling down on such a deceptive practice. With the current pandemic going on I really need all my balances available to me should the unforeseen happen and this is when they decide to stick it to a long standing customer? It's absolutely terrible.
Product: Debt collection

I AM A VICTIM OF UD THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT FRAUDULRNTLY IN MY NAME : ONE MAIN OPENED XX/XX/2019 THEY WERE MAKING PAYMENTS COMING OUT OF MY ACCOUNT UNTIL I CONTACTED THE POLICE DEPARTMENT AND SHUT DOWN MY BANK ACCOUNT.
Product: Debt collection

Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I created two accounts ( Checking and savings ) with Ally Bank on Saturday XX/XX/XXXX. On that date I used their mobile deposit process to submit two checks on my XXXX XXXX account. {$2000.00} for the checking account, and {$10000.00} for the savings account. Ally states the checks were posted on the XXXX and came out of my XXXX  account that today. Ally shows the balance in my accounts, but does not show it as an available balance. When I reached out to a customer service rep, I was told there was a hold placed on the checks because they were a large amount. Really? $ XXXX is a large amount? Regardless, the csr told me the funds would be available yesterday. They were not, and are still not. 

I tried to escalate the situation and asked to speak to a supervisor, but received no response. They have had my money since Monday, but for some reason are keeping it unavailable to me. Is it legal to do this? Thank you.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see United revenue corp received it but nothing has changed. See supporting documents. even the USPS tracking. I sent it to the bureaus and they ignored it. Please help if you can thank you. 

XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a prior case open through the CFPB and in the resolution, Equifax stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 
This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my right to a fair & thorough investigation. They will not reinvestigate inaccurate info on my credit report. Nor provide how did they receive the info stating this account is accurate. I filed a bankruptcy dispute XX/XX/2023. I have a right to receive how did they verify this alleged debt is mine.
Product: Credit card or prepaid card

On closing date of XX/XX/XXXX the XXXX Credit card company billing statement shown I had a {$350.00} balance. This was after thorough investigation about disputed items. I called about the timing of the actions which was related by XXXX XXXX, the XXXX XXXX XXXX of customer experience in her response to my former complaint. I have not used the card since XXXX of XXXX and the card balances have been going up instead of depleting. I have been paying on the card since XX/XX/XXXX and dont see how its balance over {$500.00}.
Product: Payday loan, title loan, or personal loan

I was informed that i had not made my XXXX Payment. I have made the payment, the Money has been taken out of my account and i have email confirmation stating i had made the payment. I Know my balance was then XXXX. I call in today and they tell me my loan is XXXX 

After i give them the information saying that i paid they hang up the phone or transfer me to the main menu. 
I Only owe XXXX. And i have proof that TD Bank has taken my money but they keep saying they do not have the {$200.00} Payment made on the XXXX of XXXX.