23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My XXXX  benefits on my American Express cards are not correct. I have called American Express several times and none of the representatives can answer my questions regarding my XXXX benefits. The representatives have told me several times that they put in requests in for someone to call me so we can discuss my benefits, but no one ever calls me. I have also made 3 complaints with Consumer Finance and nothing is being resolved. I am trying to get this resolved without getting an attorney. I just need someone to call me at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report concerning an auto loan account. This account has several issues that I believe violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, which governs the accuracy and fairness of credit reporting. 

The specific issues are as follows : Incorrect Creditor Information : My credit report inaccurately lists United Auto XXXX as the original creditor for an auto loan with a balance of {$23000.00}. The correct original creditor is XXXX. 

Inaccurate Charge-Off Balance : United Auto XXXX is reporting a charge-off balance of {$18000.00}. This balance is incorrect. The charge-off balance should reflect the amount reported by XXXX. 

Duplicate Accounts : There are XXXX closed auto accounts listed on my credit report with incorrect dates. In reality, there should only be one account. This duplication is causing significant confusion and negatively impacting my credit score.

Fraudulent Account : The account in question was opened fraudulently in my name. The vehicle associated with this account was found wrecked by an individual named XXXX XXXX in XXXX, TX. 

In accordance with 15 U.S.C. 1681, I request the following actions : Address the Fraudulent Account : Investigate and resolve the fraudulent activity associated with this account.

Please inform me of any additional information required to facilitate these corrections. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance.
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 tal timely and effective measures to prevent ana + 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 or other personal consumer reports

I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by Experian. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. 
Inconsistency Reporting : I have identified inconsistencies in the information for this account across all three major credit bureau reports. The discrepancies suggest that the reported information is inaccurate and does not meet the FCRA 's accuracy standards, warranting immediate corrective action. 
Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. 
XXXX. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by Experian, which further underscores the lack of accuracy and FCRA compliance. 

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. 
These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( Equifax, XXXX XXXX XXXX ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.
Product: Credit reporting or other personal consumer reports

XXXX takes off a large amount of my points whenever something is reported bad. When something is reported good they give me a couple of points. I'm working to build my credit and it's hard when credit bureaus want u to pay a fee for fico score update and more. If you don't, you get poor treatment. My fico score hasn't been updated in months and that's only when my report is ran for false pre approved cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ Equifaxs breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account : U.S. Department Of Education # XXXX, Capitol One # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

Several years ago I was tasked with POA for my elderly father. At the time Bank of America informed me that I could only have one login to manage my fathers checking accounts and my personal XXXX XXXX XXXX card. I setup the card for automatic payment of balance in full. The card had a credit limit of {$15000.00} My XXXX credit score was XXXX. 

In XXXXXXXX XXXX XXXXXXXX my father passed away. With no notice Bank of America canceled the automatic payment that was funded from my checking account at XXXX. The card balance was unpaid for 60 days. When I discovered BOA had canceled the automatic payment I paid the balance in full. 

BOA refused to admit error and lowered my credit limit to {$500.00}. In addition my XXXX score dropped to below XXXX. 

Calls to BOA resulted in no remedy. Different excuses were given. 

Today XX/XX/XXXX I planned a trip using my XXXX XXXX BOA credit card. Because of the low credit limit I prepaid {$1000.00} to the card on XX/XX/XXXX. 
XXXX XXXX XXXX  charges of {$770.00} were declined by BOA. 
When I contacted BOA they stated my funding bank ( XXXX ) had placed a hold on the transfer. 
I contacted XXXX. 
XXXX stated there was no hold. 
I called BOA and now they said that BOA had placed a 10 day hold on the funds. 

I need BOA to make the prepaid amount available on my card and restore my credit limit.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 card or prepaid card

To Whom It May Concern, I am an account holder with a credit card issued by Barclays USA. In XX/XX/2022, Barclays provided me and presumably other account holders with an offer beginning XX/XX/2022 and ending XX/XX/2022, stating that ANY airline or other travel purchases charged to the Barclays credit card during this period would be subject to a discounted interest rate of 3.99 %, rather than the customary standard purchase 20.24 % APR. 

I clicked on " accept offer '' and subsequently, from XX/XX/XXXX to XX/XX/XXXX, charged XXXX XXXX  tickets with XXXX XXXX, XXXX, and XXXX, several XXXX  tickets with XXXX and XXXX XXXX  local XXXX XXXX, totaling {$2600.00}. XXXX  When I received the billing statement yesterday for the time period of XX/XX/XXXX to XX/XX/2022, the purchases were split in two sections, one for standard purchases subject to the standard APR of 20.24 % and one section with the promotional purchases, subject to the promotional interest rate of 3.99 %. 

Inexplicably, the only purchases subject to the promotional interest rate totaled {$590.00}. The XXXX XXXX tickets were NOT included under promotional purchases and instead were included under the standard APR, thereby completely deviating from the offer that was provided to me and presumably other cardholders. 

I contacted Barclays USA today and wanted this issue rectified. The representative on the telephone confirmed that the XXXX tickets were not included in the promotional purchase section and provided with the lower interest rate. Her " explanation '' was that " these major XXXX do not have a deal with Barclays, so you can't get the lower interest rate. '' This is extremely deceptive, illegal marketing, since : a ) The offer did not distinguish or even mention some type of " deal '' or even marketing relationship necessary with Barclays to enjoy the lower interest rate b ) The representative was asked to locate the offer on the website, she stated that " we can't find it, but trust me, you have the offer, don't worry. '' Since the interest rate needs to be recalcuated and the purchases properly allocated the promised interest rate, I am turning to CFPB to investigate and remedy this gross violation of terms. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a late payment on my credit report Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given money lion permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Consumer Services on XX/XX/19 -XX/XX/19 XX/XX/19 shows and I have not applied or requested any services from Experian Consumer Services. I need Experian TO STOP I OPT OUT OF ALL Promotion products and services. I have not requested and need Experian to stop with there services I have not applied for.
Product: Money transfer, virtual currency, or money service

I had been using my Wise account to sent money to Spain and had been successful. I tried to transfer money to buy Crypto and Wise discontinued my account. They allege they can not tell me why. 
Now I can not open my account so I have no way of knowing if I have money there or not.
Product: Credit card

After 6 months of billing with the Best Buy Citi Bank XXXX, I noticed the " EHN DEBT PROT '' charge on my statement. 

I was charged {$150.00} in 2016, and XXXX this past month ( See Attachments ). 

This is deceptive marketing/enrollment purely engineered to hurt those that set up auto payments to pay off promotional balances based off total charge divided by the term of the promotion. I now have to increase my payment. I WANT A REFUND! 

I 'm disappointing in Best Buy for allowing this, I did see there has been a previous lawsuit and settlement. Clearly this behavior is still going on!
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX
Product: Credit reporting or other personal consumer reports

I was monitoring my credit score evening of XX/XX/year> and noticed my score had decreased. I then noticed that a Kohl 's Capital one Card was opened on XX/XX/year> in my name and showed up on my credit report. This was not done by me or anyone in my family. I called Kohl 's credit customer service at phone number XXXX. They did freeze the fraudulant account. They did confirm there was a {$800.00} credit limit on card with {$600.00} already spent on the card. Kohl 's credit card service then said they will forward my information to their fraud department and I will get information in the mail regarding the fraudulent activity. I then applied a fraud alert on XXXX.
Product: Credit reporting or other personal consumer reports

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received notice. I have no debt or any contract with XXXX XXXX XXXX or XXXX XXXX XXXX. On my XXXX Credit Report the company name is XXXX XXXX XXXX and on my TransUnion and XXXX report the company name is XXXX XXXX XXXX which is it? The account number that this company has placed on my report is XXXX.
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the handling of my consumer report by your company. As a consumer, I demand that you adhere to all applicable laws and regulations governing consumer reporting agencies. Below, I have outlined the specific issues and actions I expect you to take : Section I - Privacy, Permissible Purpose, & Lack of Notice Laws Privacy : I, XXXX XXXX XXXX, have not provided any consentverbal or writtento XXXX, Experian, or XXXX to report any information on my consumer report. This lack of consent violates the U.S. Congress 's mandate to ensure fairness, impartiality, and respect for consumers ' privacy rights. I demand that you provide evidence of any existing contract granting permission for such reporting within 30 days. Failure to produce this will result in the immediate exclusion of reported accounts from my consumer report. 

Permissible Purpose : Without my explicit written instructions, you do not have permissible purpose to furnish my personal information to any third party. I demand evidence of any contract granting you such permission within 30 days. In the absence of this documentation, I expect you to promptly comply with the written instructions outlined in Section II. 

Lack of Notice : I was not provided with the necessary notices before my personal information was furnished to any third party, as required by the Gramm-Leach-Bliley AcXXXX. I demand evidence of compliance with the notice requirements within 30 days. Failure to provide this will result in immediate opt-out instructions from disclosure on my consumer report. 

Section II - Remedy List of information that I demand to have removed from my consumer report : Deletion of all but one instance of " XXXX XXXX XXXX '' from my name, with the middle name excluded. 
Reduction of my date of birth to only display the year, omitting the month and day. 
Retention of only one current address, with all others removed. 
Removal of monthly payment and past due amount details. 
Deletion of inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Removal of any comments associated with my accounts. 
Upon completion of these actions, I request a free copy of my updated consumer report reflecting the changes made. 

Section III - Additional Issues Late Payments : I demand that you cease reporting any late payments on my consumer report, as such information is excluded from consumer reports under the Fair Credit Reporting Act. I specifically request the deletion of any references to late payments from XXXX XXXX XXXX XXXX and any other accounts not listed. 

Charge Offs : Accounts listed as charged off must be deleted from my consumer report, as the IRS defines canceled debts/charge-offs as income, which is not reported on consumer reports. I request the removal of all charge-off accounts not previously listed. 

Failure to comply with these demands within the specified time frames will result in legal action, including seeking damages for defamation of character and violations of the Fair Credit Reporting Act. 

Thank you for your prompt attention to these matters.