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

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX account number XXXX Date opened XXXXXX/XX/XXXX Account name XXXX XXXX account number XXXX Date opened XXXX  I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. 
All of these accounts must be removed from credit report.
Product: Checking or savings account

On XX/XX/year> I needed to deposit cash to my USAA checking account. I used my debit card but I entered the wrong PIN. I was able to access all portions of my account ( account balances, withdrawals, transfers ) but the deposit cash feature of the USAA ATM said I did not have authorization to deposit funds in that acct. ( Odd, since Ive been an active member for over XXXX decades and have deposited cash before ). USAA does not have physical branches. I tried another USAA ATM and again entered the wrong PIN as I was having mental fog due to a medical condition that evening. Again, I was granted access to everything in my account except the ability to deposit funds. At no point was my card taken by the ATM, my account flagged for fraudulent/suspicious behavior, or my account locked. While still experiencing my mental fog, prior to realizing I had entered the wrong PIN I attempted to use USAA live agent chat to figure out how to deposit cash when the USAA-authorized way did not work. I was not provided a solution but the same method I had just used ( a USAA ATM ) and the live agent claimed she pulled up the XXXX nearest ATMs to my location ( in my profile ) and she sent those to me in chat. However, the locations were for XXXX XXXX XXXX but I was actively in and my profile lists ( as I confirmed that evening ) XXXX XXXX XXXX. The live agent claimed she used my profile info to give me the ATMs nearest me. I disconnected. Later during the night I realized I had entered the wrong PIN. On XXXX I attempted to deposit the cash using the correct PIN but I got the same issue. I then called USAA to resolve the issue and notify them of the serious security issue that I was able to access my account via XXXX ATMs back-to-back with the wrong PIN during night time hours and conduct all business other than deposits which air just proved was not a wrong PIN associated issue. The rep told me nothing would be done bc USAA has no way to see what PIN I entered ( correct or incorrect ) so they wont initiate a security report ( whatever term she used ). I assured her I specifically recall the wrong PIN I did enter and me informing them should be enough given the severity of the risk. This has prompted me to leave USAA as they dont take banking security seriously. The issue of not being able to deposit funds was never resolved either.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXkruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was charged for a shipping label in the amount of {$19.00} in XX/XX/2018 XXXX/paypal. Every time I try to get a refund I'm told that they can't refund my card. Claiming, that they can only credit my paypal account. The purchase was not through any account. The refund procedure on their website says that the refund will be processed back to the credit card.
Product: Credit card or prepaid card

At XXXX XXXX store, they asked me if I want credit card I said no and they asked if I want reward card that I can collect points and I said yes. Their reward card basically a credit card which they didnt tell me and I never received. Couple months later I get a call that I owe {$96.00} from the {$35.00} purchase that they said I did 2 months ago. They charged me {$61.00} late fee. I never received any bill, I had no idea I had a credit card and I dont even know if its my purchase. They are tricked me. After this experiance I asked my friends if they had XXXX XXXX XXXX card. They were all tricked by that too and one of them had to pay {$240.00} dolar for the {$5.00} purchase she made a year ago because of the fee
Product: Payday loan, title loan, personal loan, or advance loan

I have had this account with Affirm for over 7 years and have never missed a payment. In fact, I have paid this account off before billing and have made monthly payments successfully. I have always requested a Virtual Card which have been granted instantly with a printout. For some unknown reason, the process has changed requiring an online biometric ( see attached ) requiring copy of license and camera shot in which I provided. I was rejected due to not being able to confirm identity and Affirm customer service does not have a clue as to what is going on. I was promised a link from Affirm that they use to manually identify customers, but today I spoke with CS who did not have a clue. I need to get this resolved immediately in order to have access to funds purchase a car battery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX credit card which is issued by XXXX XXXX. I was denied for the credit card and I got a response letter on the mail. When i opened the letter i noticed on the bottom of the letter said that as of XX/XX/XXXX my credit score was XXXX. I was in chock, because i knew my credit score was n't that low. I knew my credit was around the XXXX. So I checked my credit scored and based on XXXX  information as of XX/XX/XXXX my credit score was XXXX. The reporting agency is XXXX XXXX XXXX. That was the reporting agency that XXXX XXXX  used to get my credit score.  XXXX XXXX. Provided false untrue and damaging information regarding my credit score, which lead the bank into an inaccurate decision. What they are doing is proving banks with false information, leading banks to inaccurate decisions. which is illegal.
Product: Credit card or prepaid card

On Friday, XX/XX/2022, I received a text confirmation from a company named Chime with a security code instructing me not to share it with anyone to keep my account safe. I have never had any knowledge of this company and immediately suspected a fraud attempt using my cell phone number. The customer service service phone number to report fraud was ( XXXX ) XXXX. I obtained this phone number after a web search. I spoke with 2 different customer service agents. One would not divulge her call center location. The other would only say that they are offshore and do not have any service in the United States. Neither customer service agent could provide me with a fraud hotline phone number. I also refused to share my email address with them, as it could have been a further attempt to phish my personal information. I have never experience any legitimate credit card or financial institution which had no fraud hotline. The customer service agents did not even try to look up my phone number and check for a new account being opened. The only address that I found listed for this is a XXXX XXXX XXXX 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX XXXX WHICH I OVERPAYED AND PAID EARLY IN XXXXTHIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND XXXX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both XXXX and XXXX for breach of contract, Respa XXXX, Negligence, and etc. 

I have disputed the inaccurate reporting of my payment history with XXXX, XXXX, XXXX and Transunion, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, Transunion and XXXX show me as current in XXXX of XXXX ( which I was ) However, XXXX is reporting me as XXXX delinquent for XXXX of XXXX. XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX Transunion and XXXX show me as 30 days delinquent and XXXX is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, XXXX should have not been reporting negative items to the credit bureaus. 

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with XXXX XXXX XXXX, XXXX, and Transunion. I kindly ask that these negative marks be removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acoount # XXXX, XXXX  Account # XXXX, XXXX ACCOUNT # 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: Credit reporting, credit repair services, or other personal consumer reports

I noticed a charge of 13000 plus and i already tried to reach out to cfpb and to XXXX XXXX with synchony bank. Called her several times. ( without a call back ) My credit went plummeting! CFPB what a joke! You closed case after respondent said good
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for failing to remove inaccurate information from my credit report despite multiple disputes and the recent lawsuit filed against Experian by the CFPB, which highlights similar failures by the credit bureau in properly investigating consumer disputes. 

Complaint Details : Inaccurate Reporting : Certain files on my Experian credit report have not been removed despite my formal disputes, and these files are either incorrect or outdated. The inaccurate information includes [ briefly describe the incorrect files, such as charged-off accounts, collection accounts, etc. ]. These accounts should no longer be listed due to [ provide specific reason, such as settled debt, expired reporting period, or incorrect debt ]. 
Failure to Investigate and Correct : I have disputed these inaccuracies with Experian multiple times, but they have failed to remove the incorrect entries or provide adequate evidence that justifies the continued reporting of these items. As required by the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to conduct a reasonable investigation into disputed items and ensure that all information reported is accurate. Experian has not complied with this duty. 
Non-compliance with CFPB Lawsuit : I am aware of the CFPBs lawsuit against Experian for similar issues involving failure to properly investigate and remove inaccurate information. Given the nature of this legal action, I believe that Experians practices in my case reflect broader non-compliance with consumer protection laws. 

I trust that the CFPB will take swift action to resolve this matter. Please keep me informed of any developments regarding this complaint. 

Thank you for your attention to this issue.
Product: Debt collection

Credit card company sold my debt that was closed after I returned items to XXXX
Product: Checking or savings account

I thought I called chime by XXXX  chime online because I wanted to update my atm withdrawal amount and the person said he could help me but he scammed me out of XXXX Dollard and I debuted it with chime and they denied my request
Product: Credit card

I had an open case with Discover because of adispute and while so, Discover was supposed to refrain from charging interest. They charged interest before a decision was made on the dispute.First concern is the interest on the account. On XXXX Discover charged me $ XXXX on a statement ending XX/XX/2023, their decision on thedispute wasn't made until XX/XX/XXXX ( that I was responsible for charges incurred while being literally held up by scammers. I was threatened to purchase gift cards & then read the numbers ) XXXX, XXXX XXXX from the executive office of Discover financial services, stated in her letter dated XX/XX/2023 that quote, " We try to detect scams and decline any potential scam transactions or alertconsumers to potential scams before they occur. " Discover should take responsibility and be accountable for what happened to me because of the lack of scam detection. 
Discover is supposed to decline unusual transactions. Discover should have declined the transactions on a card that belonged to someone that historically does notcharge that large amount of money and in fact, about the same amount is put on thecard every month. I use Discover card mostly for monthly billing accounts and groceries. I pay the Discover bill in full every month. Discover should have declined the transaction when10 gift cards for {$500.00} apiece were being purchased. XXXX XXXXXXXX store in another town would only give me one {$500.00} gift card. I asked him why and he told me because it couldbe a possible gift card scam. He was aware of gift card scams. Had the XXXX store done the same, I would only be out the XXXX gift card. 
I have done some research and found that Discover is aware of gift card scams. When XXXX {$500.00} gift cards are purchased, on a card that does not charge that large amount, a credit card issuer who is aware of such a scam should have questioned the transaction, declinedit. 
I should not be held entirely responsible for this loss of money. 

XXXX made XXXX {$500.00} gift cards for me with neither XXXX or Discover questioning thetransaction. After XXXX, I got scared and didn't want to do it anymore. The amount of money made me mentally & physically sick. The XXXX store was local, it was raining, I was wet and inmy pajamas. I had been crying for hours and no one seemed to notice. 

I am requesting to speak to XXXX XXXX ' superior, please. I would like to get this resolved without Discover just washing their hands of this and it going away. Unfortunately, it won't just go away for me struggling to make payments & interest on {$6000.00}. I am on {$1200.00} SS, {$400.00} pension. I had XXXX and then a XXXX. My son lives with me and he is on XXXX. I just had to charge {$1200.00} to get my car fixed after weeks of waiting. How do they think this is going away. 

Thank you
Product: Bank account or service

Capital One Bank improperly reversed {$6400.00} in provisional credits by administrative fiat without any investigations and closed my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes XXXX time status and responding with the correct information
Product: Checking or savings account

I was a victim of a on line scam.I provided proof of this and XXXX XXXX have FRAUDULENTLY placed suspected fraud in my file ..This is False and illegal. I Abe not committed any fraud and I want this removed from my consumer file .It has prevented me from banking with any institution based on this FRAUDULENT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PNC is not allowing me to link card to accounts
Product: Debt collection

I'm requesting validation for Pursuant 1692g. 
I have not been provided with validation of this alleged debt.
Product: Mortgage

Quicken Loans took {$500.00} from my checking account as a " Loan Fee '' and said that it would be returned once the loan was approved. They also told me that my union, XXXX, would give me a {$500.00} gift card for applying for this refinance mortgage. XXXX has no knowlege of such an offer. NOW I 'm told that the {$500.00} was a fee to be used for appraisal ( when this XXXX XXXX assured me that Quicken Loans did not charge for appraisals AND I 'd get a {$500.00} gift card from XXXX ). I was told by customer service that the appraisal and other fees were spelled out in some document I signed. This may be but XXXX XXXX stated otherwise. IF Quicken Loans TOOK {$500.00} a day from everyone served and only approved XXXX of the applicants, I 'd say this was one XXXX scam! My credit score was above XXXX at the time of the loan request. JUSTICE PLEASE!
Product: Debt collection

A company called me stating they were XXXX XXXX XXXX and that they were sueing me over a XXXX dollar debt. I asked if they were collecting the debt they said they are going to take it to court if i did not pay today. I was never given my memorandum of fdca and when i said yes i will pay the debt they asked for me credit card. I asked them what their conpany address was and if they were a government agency. They did seem to be legit and where trying to scare me. I recorded the conversation and have evidence they tried to collect a debt without following the fair debt collections act.
Product: Credit reporting or other personal consumer reports

There are unapproved/fraudulent inquiries on my credit report below : XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

CFPB XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint against Equifax for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : Equifax Company Address : XXXX XXXX XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX ( Equifax ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX  XXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to Equifax requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.