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

I have contacted both First Interstate Bank and XXXX to remove errors in my credit report many times and they will not remove this account from my credit report. First Interstate Bank has verified this as being correct. 

This account is Account Number as it appears on my XXXX XXXX XXXX dated XX/XX/XXXX Confirmation # XXXX, XXXX FIBANK XXXX XXXX XXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXXXXXX XXXX XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with First Interstate Bank ( Error 3 ). This was 24 days after the XXXX XXXX  was filed. FIB claims this was charged off ( Error 4 ). Months XXXX XXXXXXXX This was not a 6 years loan ( Error 5 ) XXXX XXXX  Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. XXXX Reported XXXX/XXXX This is 6 years LATER ( Error 8 ). 
High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by First Interstate Bank. By law FCRA section 609 and 611 requires First Interstate Bank and XXXX to report information accurately or remove the account from my credit report. 16 Errors are visible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked TransUnion to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked Clarity to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by TransUnion are reporting fraudulently, is not true, accurate, or legally verifiable and this violates CDIA standards.
Product: Prepaid card

I started a dispute over XXXX XXXX taking money out on 7 XXXX XXXX. Somehow they asked to confirm my identity with answering questions about personal history. I got XXXX wrong was asked by caller who spoke no XXXX and hardly understood. They asked for letter I received in the mail I sent them a copy and they refused it. I have told them repeatedly I have never lived at address was friends I used to receive mail only
Product: Debt collection

Lvnv or whatever that group is called I never signed an agreement or got a loan from them personally they can not prove that I did because I did not they're trying to get money for something we did not legally sign into contract together and they bought this from a different company or something therefore I want it deleted from my credit please.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,   XXXX   and Equifax the  XXXX  credit reporting agencies have failed to remove after  three  letters from myself to remove Unverified information from my consumer fi le. (   XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sectio n 616 and Section 617.
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, they're 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 card or prepaid card

US Bank Debit Visa Check Card ending XXXX XXXX XXXX XXXX Debit Visa Card ending XXXX XXXX XXXX XXXX Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX bank XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX USA NATO Bill Pay Federal Document Nbr XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX   This reservation is on HOLD until XX/XX/2019 XXXX XXXX CET ( Central XXXX Time ). 
Electronic payment Receipt Acknowledgement - XXXX  ( XXXX ) Have No valid Ticket number - XXXX member XXXX
Product: Checking or savings account

On XX/XX/2021 I made a CERTIFIED check at Chase in the amount of {$13000.00} made payable to XXXX exchange llc to payoff a vehicle. I also use XXXX overnight to mail the check out tracking # XXXX. After a week I call XXXX XXXX XXXX and they stated they never got a check and that is when I notice it is check is gone and at once we go to Chase and file a claim # XXXX. Long story short, Chase told us that someone make a fake certified check and change the payable person to XXXX XXXX XXXX and cash the check in XXXX XXXX XXXX. Also chase make me file a police report as well ( see attach )
Product: Credit card

Hello- As of XX/XX/XXXX I have been dealing with sears warranty to resolve my fridge issue. I have been calling into ( XXXX ) XXXX and there is multiple notes of me calling. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX. Each time it is escalated to a manager on duty and inform they need 3-5 business days from when I originally called. I have been without this fridge since late XXXX and the agents are not helpful. The agent I spoke with XXXX XXXX had said when I call not all my notes there. On XXXX when I spoke to an Agent named XXXX who Ive spoken to in the past I questioning if my notes on there he got unprofessional and said go XXXX yourself if you dont think Im going my job. I have been unable to get any clarity on issue at hand it is completely unacceptable as Sears has had enough time to resolve my issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  and XXXXXXXX  have untrue info on credit report! 
plus, details on alleged account are Hidden. I never agreed to do business with these companies. 
I never agreed to allow companies to share info. False info should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/year> reference XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, has written off a {$64.00} debt. FCRA SECTION 623 ( 15 U.S.C 1681-2 ) Responsibilities of Furnishers of Information states that a company that has charged off a debt or written it off as a profit loss must furnish the consumer with a XXXX. This company has not. Everything on a credit report should be reporting accurately and this account is inaccurate and should be removed from my credit report. The way this company is reporting this account in their books should be the same way it should be reporting on my credit report and it is not. This is tax fraud. XXXX has failed to properly investigate my dispute and should remove this from my credit report. As well as XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to CAPITAL ONE, yet CAPITAL ONE is not removing this fraudulent account. CAPITAL ONE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet CAPITAL ONE has refused to do this. The following is the fraudulent account : CAPITAL ONE / XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Product: Prepaid card

I am unable to use my {$100.00} prepaid gift card. It is a XXXX. Ive tried to register through their website but its inaccessible. ( XXXX ) I tried calling but very suspicious in what they were asking for so I did not provide the info. I can not use the card anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents XXXX days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, credit reporting agencies are required to investigate disputes and respond within XXXX days. Your failure to do so violates these requirements. Additionally, the XXXX Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my profound dissatisfaction and concern regarding TransUnion 's persistent disregard for my dispute submissions and the resulting inaccurate information on my credit report. This ongoing issue is causing significant distress and financial difficulties due to the incorrect data that continues to be reported. 

I am providing you with a detailed account of the events and communications related to my disputes : XXXX XX/XX/XXXX, I mailed a dispute letter to TransUnion via certified mail, tracking number XXXX. The letter was delivered to TransUnion on XX/XX/XXXX, giving ample time for investigation and response as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX received a response from TransUnion dated XX/XX/XXXX, inaccurately claiming that my dispute did not appear to come from me or an authorized third party. I want to emphasize that I initiated the dispute, and any suggestion of unauthorized third-party involvement is unfounded. 
-Despite my commitment to resolving this matter, I did not receive any response from TransUnion after sending a follow-up letter dated XX/XX/XXXX. 
-In an effort to address the accuracy of the information on my credit report, I submitted direct disputes to both XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX. Unfortunately, I received no response from XXXX XXXX XXXX, which raises concerns about their compliance with consumer protection laws. I also sent a dispute letter to XXXX XXXX on XX/XX/XXXX, but the letter was returned to me as undeliverable. This further underscores the issue of inaccurate information being provided by XXXX XXXX to credit reporting agencies. 
XXXX XX/XX/XXXX, I submitted yet another dispute to TransUnion XXXX urging for an accurate investigation and resolution. However, despite my continued efforts, I did not receive any response from TransUnion. 
-Acknowledging the urgency of this matter, I submitted a dispute to TransUnion XXXX XX/XX/XXXX, attaching copies of the returned mail from XXXX XXXX XXXX evidence of the ongoing dispute. Regrettably, I did not receive any response from TransUnion regarding this dispute submission either. 
XXXX XX/XX/XXXX, I sent yet another letter to TransUnion XXXX reiterating my concerns and requesting immediate action. To my astonishment, I received an identical response dated XX/XX/XXXX accusing me of unauthorized third-party involvement, despite the fact that I had initiated the dispute directly.
Product: Mortgage

A short sale was approved on XX/XX/XXXX by SLS Servicing LLC. The second mortgagee, XXXX XXXX, approved the amount they will receive on XX/XX/XXXX. SLS Servicing required the short sale to close on or before XX/XX/XXXX or the short sale agreement was voided. The problem is that the earliest date that the Chapter XXXX bankruptcy judge set for the review is XX/XX/XXXX. This action is putting me at risk of losing the buyer of my home. I am concerned over SLS Servicing looking for a reason to just foreclose on my home. SLS recently denied an extension of the closing date. They stated that the appraisal, that was performed on XX/XX/XXXX expires on XX/XX/XXXX. Before the court date. They are incorrect. It is standard in the mortgage industry that an appraisal valuation is good for 6 months. That would be until XX/XX/XXXX. Every request to extend and try to work this out is denied by SLS Servicing. They are causing a lot of unneeded stress on me and my family.
Product: Credit reporting or other personal consumer reports

My credit report is showing several unauthorized inquiries on my credit report that needs to be removed immediately. Listed below will be the dates as well as the bureaus of the unauthorized inquiries. Experian : 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 XXXX. These unauthorized inquiries needs to be removed immediately.
Product: Credit card

I have been paying my bill on time. At some point I made a payment on the closing date. Of which I was unaware of as when I logged in to their website it showed a payment due date and amount. I just payed the amount. The company explained that those parents didn't apply to the current billing cycle that showed on the website but instead to the prior billing cycle as it hadn't closed yet. I paid too early. I am frustrated as a customer as it seems fraudulent to post an amount due with a due date and apply it to a prior month, initially making the prior month have XXXX payments and the current billing cycle half no payment, thus then giving the customer a late payment fee and a 30 day late notice. 

It seems like a loophole in their system to charge customers occasional extra fees. 

When I shared my concerns and requested the fees to be taken off my account, they explained that they were unable to adjust the account as it was my fault for paying on closing. And that I should wait to pay within the window. My due date is the XXXX of every month. The earliest I paid was the XXXX of the month prior to the due date. Which is after the due date of the prior month and before the due date of the following month.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my account with Capital One, specifically account number XXXX. My name is XXXX XXXX XXXX, and I am addressing this concern in relation to the reported charge-off on my account. 

I have enclosed documentation confirming the payment of the charge-off in question. Despite the payment, I understand that a charge-off is considered a certificate of indebtedness, and its reporting to consumer credit files ( XXXX, XXXX, and XXXX ) is subject to specific regulations outlined by the Fair Credit Reporting Act ( FCRA ). 

As of my knowledge cutoff date in XX/XX/year>, it is my understanding that the reporting of charge-offs to credit bureaus must adhere to certain guidelines and time frames outlined by the FCRA. Furthermore, I would like to bring to your attention that a charge-off is considered income, and I am entitled to receive a Form 1099 for tax reporting purposes as required by the Internal Revenue Service XXXX IRS ). 

I am disputing the reporting of this charge-off on my credit reports and demanding its immediate removal from all credit reporting services in accordance with the FCRA and related statutes. The payment of the charge-off serves as evidence that the debt has been satisfied, and its continued reporting is negatively affecting my creditworthiness. 

I have not received a Form 1099 for this charge-off as required by the IRS, and I am requesting that it be provided promptly. Failure to comply with these requests within 30 days from the date of this letter will result in further action on my part. 

Should the necessary actions for the removal of the charge-off and the provision of a Form 1099 not take place within the stipulated timeframe, I will be left with no choice but to pursue legal avenues, including filing a pre-arbitration demand letter and submitting a Form 1099 to the IRS. 

I trust that Capital One values its commitment to fair and accurate credit reporting and will address this matter promptly. I appreciate your attention to this issue and look forward to a swift resolution. 
Sincerely, XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 16 accounts on my report related to student loans but Im XXXX years old and Ive never been to college or attended any courses. I believe my information was used by someone that knows me. 8 accounts are showing outstanding balances and 8 accounts are showing paid in full. I have no knowledge of these accounts and did not give permission for my information to be used.
Product: Credit card or prepaid card

The Bank of America Preferred Rewards program advertises for platinum-tier members a 50 % bonus on eligible cards, which the Premium Rewards card is among. After reviewing all related terms and conditions, I found no clear indication that this 50 % bonus excludes the reward granted for spending {$3000.00} in the first three months of membership.

Not wishing to act on misinformation, I sought and obtained the assurance of as many as four branch representatives that my interpretation of the terms was correct and that I would indeed obtain a 50 % bonus on the reward received for spending {$3000.00} in the first three months of membership.

Although initially I contacted a representative of the credit card itself, she could not state with certainty whether the reward would apply and had advised me to visit a branch location for further confirmation -- which, as described above, is exactly what I did.

Despite the certainty of the branch representatives, it turns out we were all deceived. ( I assume none of the representatives were intentionally lying to me. ) The advertising and the terms and conditions of all relevant programs -- their Preferred Rewards program and their Premium Rewards credit card -- are sufficiently ambiguous that even Bank of America 's own employees failed to interpret them accurately.

Needless to say, I feel cheated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters in XXXX, XXXX, XXXX, XXXX and XXXX related to inconsistencies with accounts on my credit report to XXXX, Transunion and XXXX. 
I communicated that I do not own those accounts on my report but they keep sending me letters about confirming that I sent the letters. I sent the letters with a copy of drivers license and Social Security Card. Please investigate.
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.

financial loss, and I seek appropriate redress for these violations.