23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I tried disputing an inaccuracy on my Experian credit report, from a company : XXXX XXXX XXXX XXXX, multiple times, to no avail. I've never heard of this company, it's a fraudulent account which I expressed to them in XXXX and XXXX. Yet, rather than doing a thorough investigation, removing this incorrect information from my credit report, it remained on my report, which is a violation of the Fair Credit Reporting Act Sections ; XXXX. My credit file shows this account was opened on XX/XX/XXXX, with a balance of {$3100.00}, and updated on XX/XX/XXXX. 

In each of my disputes l 've asked them to provide proof that this is my account, which they never responded. Their only response was updating the status of this account on my Experian credit report to a closed Charge-Off. This is false reporting, which is a violation of the Fair Credit Reporting Act Sections : XXXX also XXXX. Due to this falsely remaining on my Experian credit report, years ago, I included a statement on my credit report that I have no knowledge of this account. 

I'm once again asking that XXXX provide feedback and proof of a thorough investigation regarding this matter, removing this fraudulent information from my Experian credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I don't want this on my report, these are negative accounts reported under my name.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, OH, XXXX Incorrect DOB : - 2000 Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Discover Financial Services were contacted by complainant due to incorrect XXXX XXXX Bankruptcy filing being reported to XXXX. Upon investigation, Discover found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. Discover verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus " should '' not be notified. 

On XX/XX/2019 the complainant filed an online dispute with XXXX due to incorrect XXXX XXXX Bankruptcy filing reported by Discover Financial Services. A full description of the situation was provided in the dispute. 
During XXXX XXXX investigation, they contacted Discover,  referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. 

On XX/XX/2019 the XXXX investigation determined that the reported XXXX XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. 

On XX/XX/2019 complainant contacted Discover and spoke with Customer Service Supervisor, XXXX ( employee ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a " back office team '' who " should '' report their findings directly to XXXX   and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a XXXX XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the XXXX  dispute claim in order to rectify the problem. 

On XX/XX/2019 Complainant called XXXX dispute office to challenge the dispute, offering to contact Discover Financial Services on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.
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 Customer 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I XXXX XXXX XXXX made a final payment for the amount of {$16000.00} to Wells Fargo Auto for account ending in XXXX. Account XXXX is for a XXXX XXXX XXXX which to my knowledge has been paid in full based on the terms of the Loan Agreement. I have proof of the final payment and even the title of the vehicle which does not show any liens. I recently received a letter from Wells Fargo Auto indicating that the auto loan is past due and that they have the right to reposes the vehicle if I don't make a payment to bring my account up to date. Wells Fargo is also stating that they will report my account as delinquent to the appropriate credit bureaus. I am done dealing with an incompetent bank such as Wells Fargo and seek support from the CFPB for this matter. Please contact me with any questions you might have regarding this complaint, my cell phone number is XXXX. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and they must be addressed 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  I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Debt collection

There are multiple reasons in the list above that apply to this complaint. Frequent calls and calls outside of XXXX-XXXX and they were foul, threatening and abusive to me on the phone. They repeatedly hung up on me when I tried to tell them that I had moved and needed to update my address as I had NOT received notification from them he said I was lying that too much had been sent - he also said that I was a " piece of work '' and on another call said " way to be a good example for XXXX '' ( my little girls name ) how do they have my little girls name? I do n't deny I owe the debt - I am in bankruptcy - he accused me of falsifying that information as well. He said he was n't notified of my bankruptcy - how can that can be true but my not receiving notices because I moved can not? This is the MOST horrible experience I have ever come had in any business manner. I spoke to both XXXX XXXX and a man named XXXX within the same office and they were both MISERABLY rude people.
Product: Debt collection

A few months ago, some  XXXX  purchases were fraudulently made using my  XXXX  i.d . and the perpetrator  ( s  ) attempted to pay for them using my Paypal account. I contacted   XXXX   and  Paypal  about the issue. Paypal originally credited my account for the {$1500.00}, but is now requesting the money back. No goods or services changed hands and this was and is a fraudulent transfer. They are threatening to close my account and make negative comments on my credit report.
Product: Checking or savings account

I went to XXXX and tried to purchase an excursion package, however the company cancelled the excursions due to bad weather and told me that I would not be charged. After returning back home I still did not receive my full refund so I contacted Chime in order to file a dispute. Chime processed my dispute but told me I was not eligible for a provisional credit, however I should receive my funds back in my account within 10 business days. 10 business days turned in to 20, 30, and 60 days later. I have contacted Chime over 20 times and have been hung up on over 5 times, on hold for hours, transferred all over the company, been told I would be contacted several times and never contacted, and given the run around over and over. 

Then I was told that legally I would definitely get a response and resolution within 90 days. However when I contacted them on XXXX ( 90 days XXXX I was told it was not resolved and they need more time. I was told they would escalate the case and I would definitely be contacted within XXXX business days. As usual no one contacted me. I sent and email also and no one contacted me. I contacted them again today XXXX and was told they need to escalate the case again and they are sorry there is nothing they can do. 

This is the worse experience I have ever had with any company, not to mention a bank that is in control of my personal finances. This is ridiculous!
Product: Credit reporting

Equifax has not removed a fraudulent XXXX account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXXXXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.
Product: Student loan

Navient Is reporting delinquent history. They are purging which is the same as re-aging. 
The bureaus are reporting inaccurate information. The Credit Bureaus are not doing a good job of updating accurate information. Two other issue not reporting correctly. XXXX XXXX XXXX paid as agreed. XXXX XXXX belong to a family member and was in a bankruptcy..
Product: Credit reporting

Illinois dept of family services ( child support ) are payroll deducting child support payments every pay period but are reporting my case as being negative ( i n default ) .in someway. I have acquired a payment ledger from child support as proof That payments are being made. My payments are payroll deducted so it 's never late.this has be ongoing for over 10 years. Whenever I manage to get my credit score up to a respectable number, the next following month my fico score drops about XXXX points even though payments are being made on time. It is a an unfair tactic to collect missed child support payments which occured over 10 years ago.at this rate I will never be a home owner and it 's hendering from getting employment.I am homeless due to this situation.
Product: Student loan

I was trying to pay my lowest balance student loan originated on XXXX/XXXX/XXXX with a blance of XXXX as of XXXX/XXXX/XXXX. On XXXX paid off the amount reflected on my account in the amount of {$800.00}. On XXXX/XXXX/XXXX there was a balance of {$14.00} and today XXXX/XXXX/XXXX there is XXXX balance. The account is accruing interest even though its paid off. I called Fed Loan Servicing twice and got responses that did not make sense concerning the accrued interest. I want them to refund me the amount of {$14.00} in a check payable to me not applied to my loans. I will determine how I want my payments applied. I also want FEDLOAN SERVICING investigated on their loan interest accrual. Obviously they have issues.
Product: Credit card or prepaid card

I have had an account with Barclays XXXX XXXX XXXX Mastercard since XX/XX/XXXX. This year I moved and tried to update all of my accounts, but there have been many issues with the post office and delayed mail. My card was to expire in XX/XX/XXXX and I waited to receive a new one in the mail. On XX/XX/XXXX I received a notification from my credit monitoring report that my account had been closed without notice. 

I called the Mastercard number at XXXXXXXX XXXX on XX/XX/XXXX and asked the representative to reinstate the account because it was a mistake and I was waiting on the new card to use it. She told me that she would open a case and have an account manager review it and get back to me within 7 business days. I confirmed my email, address, and phone number with her so they could get back to me immediately. She told me I did not need a case number and someone would be in contact with me again soon. 

On XX/XX/XXXX at XXXXXXXX XXXX. I called the line again because I had not heard back on my case. The representative tole me that there was no case and that they would not reinstate the account. I asked to speak to a manager who told me the account notes showed that I had called but the representative failed to open a case on my behalf. She refused to reinstate the account despite the company not providing any notice to me that they would close the account. The account supervisor 's name was XXXX ( operator ID XXXX ) but she refused to give me the name and ID of the representative who helped me earlier or the week before. Despite engaging in unfair and deceptive acts to offer to help me reinstate the account or even look into it and then never taking the promised actions. 

I still have not received any notification on their behalf to close the account or the replacement card that should have come when my last one expired, despite having the app on my phone with push notifications enabled, an active email address with electronic notifications enabled, and regularly check my mail. I currently have XXXX rewards points on the account that the company refuses to honor and they failed to provide adequate notification of their intent to close my account.
Product: Credit reporting or other personal consumer reports

My FICO score reported on XX/XX/2024 is inaccurate. I reduced my re-occurring debt were all paid on time and never late. My EQUIFAX FICO score decreased to XXXX XXXX. It should have increased. My XXXX and XXXX were both increased due to outstanding. There are N0 serious delinquency, No late payments. No missed payment and No Short account history. Below are the current reported FICO Score : XXXX XXXX XXXX XXXXEquifax decreased XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.
Product: Credit card or prepaid card

I purchased a Vanilla gift card and added XXXX dollars as a present for a XXXX XXXX on XXXX. When my brother tried to use it on XX/XX/2023 the card said invalid, numbers in front of it were erased. I contacted their customer service and after trying for over 30 minutes I was connected with some lady who pretty much told me she couldnt do anything and I had to open a claim for them to investigate. I email them XX/XX/2023. I sent the receipt, photos of the card and all the information they requested and I havent heard back from them. This is disgusting and abusive. I need my money back.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF FACT I am XXXX XXXX, a natural flesh and blood being, not an artificial person, or corporation created on paper, bringing truthful information to this bureau in accordance with USC 15 1681 4 ( b ). I have 2 issues concerning my credit reports with the 3 major credit reporting agencies. They closed and removed the incorrect information listed on report and my credit score increased by XXXX points on XXXX XXXX. 

They added it back on XXXX XXXX and then my score decreased by XXXX points. Also, I submitted documentation from the U.S. Bankruptcy Court that they did not verify a bankruptcy and since it was not verified nor is it relevant then it must be removed, but they failed to remove it.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX {$5400.00} XXXX XXXX - XXXX {$6400.00} XXXX XXXX - XXXX {$4000.00} XXXX XXXX - XXXX {$6900.00} XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX - XXXX {$6900.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My credit report this month listed a hard inquiry. I am not aware of anything that would have required an inquiry ( I did not apply for a car loan, mortgage ). I called the bank where I see my credit report to ascertain who made the inquiry. They were unable to tell me and directed me to Trans Union for the inquiry. I just finished a call with Trans Union. They instructed me to send a report to the FTC. 
The Factual Data report was dated XX/XX/2024.
Product: Debt collection

i have a debt that went into collections from a apartment that i was never sent the bill from. the amount is XXXX, the collection company is trying to charge me interest on this debt, but they never sent me a break down on why this is the case. they never sent me any notices or proof that they sent them out. in the state of California its illegal for debt collectors to charge interest on a debt unless if it was stated in the original contract with the original creditor. this is violation of the fair debt collection act section 1692 this is what the act states " The good news : A debt collector can not charge interest or fees that weren't defined in your original contract. Debt collectors aren't any different from the original creditor when it comes to interest charges and fees. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ) .XX/XX/XXXX '' i also sent them pay for delete letter over 3 weeks ago and sent several emails and they never respond through mail