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

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation.

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXXXXXX XXXX  XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Deposit Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$98.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history 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 Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2023 I attempted to withdraw my funds from my CashApp card and they made me verify my identity and after having done so they closed my account and kept my funds of {$41.00}. I have contact them several times and they still have not gotten back to me. 

CashApp Tag : XXXX XXXXXXXX I've had several accounts that they've closed without reason.
Product: Credit reporting or other personal consumer reports

XXXX- retail XXXX - XXXX XXXX XXXX XXXX XXXX , OR XXXX XXXX ( XXXX ) XXXX was closed and reported as paid in full however its reporting as late payment to XXXX, XXXX and XXXX, which is affecting my score. I would like to bring to your attention that reporting late payments on closed or satisfied accounts violates the Fair Credit Reporting Act ( FCRA ) and the Credit Reporting Agency 's own guidelines. 

According to the FCRA, credit reporting agencies are prohibited from reporting inaccurate or incomplete information ( 15 U.S.C. 1681e ( b ) ). Additionally, the Consumer Financial Protection Bureau 's ( CFPB ) guidelines state that credit reporting agencies should not report late payments on accounts that have been paid or closed ( CFPB Bulletin 2013-09 ) .Moreover, the XXXX 2 reporting guidelines, which are widely adopted by credit reporting agencies, specify that accounts should be reported as " paid '' or " closed '' once they have been satisfied, and that late payments should not be reported after the account has been paid or closed. Please investigate this matter and correct the error as soon as possible. I would appreciate it if you could also provide me with a corrected copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 a account without my written instructions.
Product: Checking or savings account

Please refer to my previous claim with reference number XXXX and here are some of the evidence from the mortgage lender missing payments as result of late or fund misplaced by the Wells Fargo
Product: Bank account or service

On XXXX XXXX, 2015 an amount of {$36.00} was paid on my behalf from TD Bank. I checked the account on XXXX XXXX, 2015 and realized that the account was in the negative. That same day XXXX XXXX XXXX, 2015 ), I made a deposit at the bank at XXXX XXXX of {$40.00} to cover the negative balance in the account. Today, XXXX 29, 2015, I received a letter from the bank say that they charged me an overdraft fee of {$35.00} for that day and they charged it after midnight and after I had posted the cash deposit at the bank.
Product: Credit card

I reported a dispute to PayPal. I ordered a XXXX XXXX XXXX on XXXX, but was unable to see that I could not eat any of those meals until after I paid ( as they dont make the menu available in advance ). I then canceled that same day XXXX. They still charged my card on XX/XX/year>. I reached out to them but there was no response. I then issued a dispute. They claim it was not canceled ( even though I have an email of such ) and they claimed that they shipped it but they have no shipment ID or proof of shipment. 

PayPal closed it without any notification, option of appeal, or even showing that they shipped anything
Product: Debt collection

I do not owe CREDIT CONTROL CORP for any services.
Product: Credit card or prepaid card

Discover card changed my product from a discover it to a discover miles card, without my permission to do so. I called and requested that the card be converted back. This apparently never happened. Instead, they closed my account and retained the negative balance owed to me without notifying me that they closed the account, refunding the credit owed, or making the previously mentioned product change. 

Even on my attached billing statement it does not state the account is closed, but when I call customer service they tell me it was closed inXX/XX/2021 without notice to the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX
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 items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Improper Reporting by Citibank/Citi Cards Dear Consumer Financial Protection Bureau , I am writing to bring to your attention an issue regarding the improper reporting of an account on my credit report by Citibank/Citi Cards XXXX This matter concerns a discrepancy in reporting that has negatively impacted my credit standing. I believe that this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) and request your assistance in resolving this issue. 

Fair Credit Reporting Act ( FCRA ) Violation : Citibank/Citi Cards ' improper reporting of the account violates the FCRA, which mandates accurate reporting of consumer credit information. The inaccurate reporting has caused harm to my creditworthiness and financial standing. 

Fair Debt Collection Practices Act ( FDCPA ) Violation : If the improper reporting involves debt collection practices, it may also be in violation of the FDCPA, which prohibits deceptive or unfair debt collection practices. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal or correction of the improper reporting by Citibank/Citi Cards . I also request an investigation into any potential violations of the FCRA or FDCPA related to this issue. 

Thank you for your time and assistance in this important issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

You expect me to believe you're on my side and will protect me by giving my details to the scam artists in a gang of bank money proportions?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX XXXX ( 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

I disputed the response from Equifax on my first complaint ( # XXXX ). I requested that my personal information be corrected and the formerly known as and addresses be deleted because it is crossing information on my credit report. If you review my case, you will see I submitted my request on XX/XX/2016, Equifax response, and my proof of identification. Their response did not have anything to do with my complaint, and now I am requesting another complaint against them improperly updating my personal information. Since then, I did receive another letter from them updating my legal name but still have me incorrectly formally known as and previous addresses still incorrect. I have attached the new case number and proof of them still not correcting my information.
Product: Payday loan, title loan, or personal loan

Already sent information concerning loan and problems with XXXX  and/or SST.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX a total of {$9400.00} was withdrawn from my Checking Account using the banking application " XXXX ''. These transactions were not authorized by me and during the period I did not have a XXXX account. It appears that my account information was breached and used to create a bogus XXXX account which in turn was used to steal money from my account. During this period I was not aware of these transactions as I did not know how to access my account activity online and I was not receiving paper statements. I contacted Citizens Bank and filed a fraud claim and was twice notified that they found " no fraud ''. I am seeking re-crediting of the monies stolen out of my account and Citizens bank has refused to do so.
Product: Debt collection

XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Progressive Insurance charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. That means there are XXXX violations due to a single trade line.
Product: Consumer Loan

I know I 'm being charged a very high interest with Ally financial for my auto loan, and the dealership that sold me the vehicle ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) charged me over {$7000.00} dollars more for XXXX insurance that I did n't ask for, along with an additional warranty contract in which I did n't ask for. My vehicle price was {$13000.00} but with the above additional charges my contract says my total financed is {$20000.00} along with a 15.45 % interest rate. I received paperwork regarding the settlement for and Ally has n't modified my loan, so I 'm still paying the same high interest rate, which I can not afford and this has affected my credit, to the point I ca n't even refinance with another lender due to the negative reports from Ally Financial on my credit report. I want to get out of this loan and have my credit report corrected due to the unfairness Ally financial and XXXX XXXX XXXX XXXX NJ has caused me to endure. It 's bad enough that I have been discriminated against because of my race, which I would n't have known about if it was n't for the information from CFPB, but this is affecting my credit in a negative matter where I ca n't even get a lender to refinance me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to Experian Account Freeze.1. I do not know who and when someone put the account freeze on my SSN.2. I called them the whole day (10+ times) but only got automated system.3. then tried to get to website to unfreeze my account. No help, but at the end asked if  I can send many documents physically to their postal address (which will take many days to get my credit unfreeze)4. I called them again as i needed my credit freeze lifted today itself,  but again automated phone message they told me I can get the unfreeze online today itself and i need to goto website (circling )5. Issue is I can not talk to anyone in experian. I did not place the freeze, someone is playing with my credit and experian is taking too long to respond. there is no email contact and no phone where you can talk to any human person.Result: my niece was supposed to move to apartment and rental office was conducting a credit check. She could not get the rental and had to spent night in hotel.
Product: Money transfer, virtual currency, or money service

{$25000.00} was wired on XX/XX/2023 to someone that i did not authorize ; i have seen many videos on social media where this has happened in the recent months. Wells Fargo appears to call you, the call back number is Wells Fargo as well. They ask security questions to get into your account and wire money to an unknown person. I believe that Wells Fargo is responsible for refunding me the money as they should have more security measures in place.
Product: Student loan

For years, I 've been trying to get XXXX/Navient to reduce the interest rate I was paying on my school-related student loans based on my XXXX XXXX military status. For years they refused. Finally, when they were forced to reduce my interest rate they credited my account for several thousand dollars based on the overpayments I made for their usurious interest rates over and above Service members Credit Relief Act limits. They also issued me a tax form, claiming that I had the amount credited toward my student loans by Navient as income. Since that money was overpaid I do not see how that counts as income. Please advise. Thank you.
Product: Bank account or service

On XXXX the XXXX of 2016 I made a purchase at a store in the amount of {$130.00} for the remainder of that day I did n't make any additional purchases. I was contacted by Suntrust bank later that evening because a fraud alert had been issued on my account. I spoke with a representative from the fraud department and it was discovered that XXXX was charged on my debit card. I realized that I had lost my debit card and it was found and then used without my authorization or consent. Suntrust issued a provisional credit but later determined that no error occurred and reverse the decision along with XXXX of NSF to my account. I sent an affidavit of fraud disputing the charges. They then sent me an additional form asking me to provide more information why they should look further into this matter. I sent them a detailed explanation that I did not make the charges. I went on further to ask them to look at my previous spending trends as well as the areas in which I normally make purchases. The purchases that were made were in stores that I had never previous shopped nor was it in the area in which I live and normally make purchases. I suggested that they further investigate by checking surveillance and matching the time of purchases to see if I actually made the purchases. I also asked them to compare signatures with my own signatures on receipts as well as the fact that on most occasions I use my pin number to make purchases and they individual/individuals had to use a credit in order to make purchases which is n't consistent with the way I normally handle transactions. I also suggested if they were to locate the individual/individuals who make the said purchases they could not affiliate them with me in any way. After all of the information that I gave them to further investigate they still refused to reverse the charges and credit the amount back to my account. As a consumer I feel that my rights have been violated and I have unfairly been a victimized and the bank has violated my rights under the Reg E electronic funds transfer act. I am reaching out to your organization to help me resolve this matter as soon as possible. I am sure millions of other consumers have experience this in regards to banking institutions and it causes extreme stress and anxiety when you have been a victim and feel you have no rights or protections against others who set out to commit fraudulent activities due to lost or stolen debit cards. Please assist in the matter if you can. Thanks
Product: Checking or savings account

I am submitting this complaint regarding Chimes recent decision to deny my application for a Chime Checking Account and XXXX XXXX without providing a valid reason or specific details. Chimes response was as follows : Were sorry! Unfortunately, based on the information provided, we were unable to open a Chime Checking Account and XXXX XXXX for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information. 

Despite my inquiries, Chime has not provided any specific information or explanation regarding the decision. I am concerned that this lack of transparency may reflect improper handling of my personal information or a potentially erroneous assessment that adversely impacts my ability to establish an account with Chime. 

Given these circumstances, I kindly request the following : Clarification of the Reason for Denial : I am seeking a more detailed explanation as to why my application was denied. 

Review of Adverse Action Notification Requirements : If Chimes decision was based on information from a consumer reporting agency or another entity, I request that Chime provide an adverse action notice and specify the source of the information used.

Resolution : I seek guidance from the CFPB regarding any additional steps I may take to ensure my rights as a consumer are protected in this matter. 

Thank you for your attention to this issue. I look forward to your assistance in obtaining the necessary information and addressing my concerns with Chimes handling of my account application.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item 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 this item is being reported correctly? Who verified this item? 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 item 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 THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.