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

Subject : Dispute of Inaccurate Reporting XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and inconsistent reporting of the XXXX  account ending in XXXX on my credit report. Although the balance is listed as {$0.00}, this account contains numerous inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Disputed Information and Inconsistencies 1. Date Opened : Different dates are reported across bureaus ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
2. High Credit Amount : Inconsistent high credit amounts ( XXXX : {$1400.00}, Experian : {$0.00}, XXXX : {$1000.00} ). 
3. Credit Limit : Conflicting credit limit values ( XXXX : {$1000.00}, Experian : {$1000.00}, XXXX XXXX {$0.00} ). 
4. Last Reported Date : Different dates of last reporting ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
5. Date of Last Activity and Payment : Inconsistent dates for the last activity ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ) and last payment ( XXXX/Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
6. Comments and Payment History : Comments and 2-year payment history are inconsistent across all bureaus.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA mandates maximum possible accuracy in credit reporting. These inconsistencies clearly fail to meet that standard.

2. 15 U.S.C. 1681i ( a ) : Credit reporting agencies are required to investigate disputes and correct or remove inaccurate information promptly.

Requested Resolution I request that Experian : 1. Delete the XXXX account from my credit report entirely due to its multiple inaccuracies and inconsistencies. 
2. Provide written confirmation of the resolution and any updates made to my credit report. 

Supporting Documentation 1. A copy of the XXXX credit report details highlighting the inconsistencies. 
2. Correspondence from XXXXXXXX XXXX XXXX regarding the account transfer and their refusal to issue a 1099-C.

3. A copy of my government-issued ID and proof of address for verification. 

Please investigate this dispute promptly and notify me of your findings within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

These dates I paid for a XXXX loan in the amount of XXXX each : ( origination date : XX/XX/XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and I was notified that the document I signed online required 5 payments with the 5th one being due on XX/XX/XXXX. I called Ace cash express concern about cost of loan and asked them why I was making 5 installments in the amount of XXXX for this XXXX loan. They told me it was fair because I could have paid it off at anytime without further interest charges, however, if I had that much money I wouldn't have borrowed money in the first place. My question is, " Why is this not predatory lending, trapping the poor? ''
Product: Credit card

I purchased travel in a certain travel class with advertised services, and the merchant, XXXX XXXX failed to provide the services. Apple Card initiated a dispute, found in favor of the merchant with no evidence to substantiate that they defrauded me in the purchase. I have contacted Apple Card support on at least 4 occasions, each time being promised that a provisional credit would be placed on my account and I would receive an email to which I could provide my evidence and counterclaim. This never happens, the agents log off - telling me the credit is coming, it never comes - and neither does an email for me to provide my side of the case. I am now being charged interest on this fraudulent transaction.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order with XXXX. When it arrived, I informed the company that the product was not as advertised. The product was advertised as a 1.5 ct diamond bracelet, G quality, XXXX. When I contacted them, they said it was that quality, and I showed different diamonds I own with XXXX certs in comparison. They refused to acknowledge, so I took it to a jeweler to get appraised. The appraisal came back as I color, SI1-2 quality. The company still refused to do anything, so I took it up with Chase and presented all the information for the dispute. Chase finally wrote back XXXX saying they sided with the company and to give them a second opinion. I was out of the country at this point, but I had already provided the second opinion, an official appraisal, when I created the dispute. I called again on XXXX and they said I must return the bracelet because I can not have both the money returned and the bracelet in my possession ( despite the company not accepting my return for a refund ), so I sent the bracelet back. It was received on XX/XX/XXXX. I called and provided more information, and again today on XX/XX/XXXX. They now said it is " too late '' and they can not do anything about the dispute. I now have NO bracelet and NO money and I am out the money for the bracelet plus the appraisal money. Chase will no longer assist. This is fraud. I was defrauded from the first step and abandoned along the way. My bank did not offer fraud protection and I was let down severely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Bankruptcy XXXX
Product: Debt collection

They tried contacting me at XXXX XXXX  at night. I've told them to contact meat XXXX XXXX if they absolutely must contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letters to the consumer reporting agency to notify them about the wrong personal information on my consumer report. I even attached a copy of my driver 's license. It's very frustrating and affects my life. I want my personal information to be corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, And Equifax are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, XXXX XXXX, And Equifax do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, EquifaxXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.
Product: Credit reporting or other personal consumer reports

# XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ACCOUNT STATUS ) *OPEN ACCOUNT* ( CREDITOR ACCOUNT STATUS ) CLOSED CHARGED OFF AS BAD DEBT PROFIT LOSS WRITE OFF* # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION ACCOUNT STATUS XXXX XXXX XXXX  CREDITOR ACCOUNT STATUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( XXXX XXXX A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) also ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) accounts are shown on as XXXX XXXX TRANSUNION. Accounts are reported as an open account status but state that are charged off as bad debt remarks on TRANSUNION comments section. TRANSUNION is a clear evident disregard for the completion of accurate reporting which provides me as a consumer to file an arbitration with the XXXX administration with this evidence of inccacurate invalid and requesting results of imvestigation that have not been provided. TRANSUNION reporting unverfied charged off accounts that are shown as open has an impact to my XXXX and my overall credit rating to my consumer report as a CLOSED ACCOUNT WITH INACCURATE BALANCE, INACCURATE AMOUNT PAST DUE AND MINIMUM MONTHLY PAYMENT. TRANSUNION REOPRTED ACCOUNTS OPEN WITH BALANCE AFTER MY FIRST & SECOND DISPUTES ABOUT THE ACCOUNTS THAT WERE CLOSED AND CHARGED OFF TRANSUNION UPDATED ACCOUNTS TO OPEN BUT STILL REPORT CHARGED OFF. TRANSUNION DID NOT PROVIED ME DETAILED RESUTLTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the XXXX data breach and may have possibly been interfered with.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have been trying to obtain my Equifax credit report for several weeks and I have not been able to view it. I have tried accessing it on Equifax's website, through XXXX XXXX, and a credit monitoring service I use called XXXX. None of those methods for viewing my report have been successful. I called Equifax on XX/XX/2019 and they were unable to see or fix the problem. I need to be able to view my credit report because I am in the middle of correcting inaccuracies across all three of my credit reports.
Product: Credit card

I was turned down for credit by XXXX c/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX Inquiries XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX  XXXX XXXX Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX Employers XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation toEquifax because my character has been defamed. I demand that these accounts below be removed immediately.
Product: Debt collection

Repeated calls to my mobile number stating that I am a person of interest and they need to locate me to take a statement. Prior tactics included telling me that I would be served at home and at work by a certain date and time by a processor. Accusations of fraudulent checks for a debt I can not even verity I owe because prior discussion with company resulted in their representative refusing to give me information on the debt, becoming verbally abusive and then hanging up on me.
Product: Checking or savings account

America First Credit Union will automatically be switching my free checking account to a paid account without my permission. Though I have the option to opt out, it is not ethical for them to enroll me in a paid program without my consent. I should not have to spend 45 minutes + of my personal time to get my account back to normal.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

I received an alert stating I C systems has placed an collections account on my credit report seeking XXXX for an XXXX XXXX XXXX account that was opened on XX/XX/2021. I've sent several letters requesting the account be verified with a contract bearing my signature, a copy of my drivers license and any other legal documents proving the account belonged to me and not a bill. at this time they've failed to respond.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a purchase in the amount of {$45.00} using my PayPal XXXX XXXX XXXX Bank ) account. After receiving no communication or merchandise from the seller, I filed a dispute with PayPal XXXX on XX/XX/XXXX. 

PayPal XXXX acknowledged the dispute and issued a temporary {$45.00} credit. For some reason, I also received a notice from Paypal stating they couldn't investigate due to the dispute being filed with PayPal XXXX instead of PayPal. 

On XX/XX/XXXX, PayPal sent me an email, stating the payment was returned because the merchant wasn't registered with PayPal. I assumed this resolved the issue as PayPal XXXX could then reverse the temporary credit and everything evened out. 

However, on XX/XX/XXXX, PayPal debited {$45.00} from my account. I contacted PayPal but got no clear explanation, only that it was a chargeback from PayPal XXXX, who has repeatedly denied this. 

Currently : - I have XXXX {$45.00} credits on my PayPal XXXX account. 
- My PayPal account balance is negative due to a {$91.00} charge from PayPal. 
- PayPal claims I owe them {$91.00} for " fronting '' the temporary credit and refund, even though you I see XXXX {$45.00} payment to PayPal XXXX ( again denied by them ). 
- PayPal refuses to contact PayPal XXXX for clarification. 

This situation is inconsistent and confusing. 

Issues : - Unclear and conflicting information from both PayPal and PayPal XXXX. 
- Inconsistent process compared to standard dispute/refund procedures. 
- Poor customer service with abrupt transfers, yelling, and hanging up. 
- Lack of investigation and due diligence.
Product: Checking or savings account

TD Bank is refusing to release funds on a deposit hold, despite an explanation that it's been cleared and posted from my other account, and I need it for rent payment. 

My TD Bank account is new, so I understand that holds are put into place, but I didn't know it would take over 6 days. 

A check I had deposited on XX/XX/year>, was apparently placed on hold on XX/XX/year>, until XX/XX/year>, and the funds won't be available until XX/XX/year>. 

I called in twice to their customer support phone number, who talked to their claims hold department, who told me that they were putting in a request to release it. Never heard anything. 

I went to the branch today, XX/XX/year>, to see if I could get a resolution there, but nothing was offered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to an account reporting on my XXXX and transunion credit report. I have been disputing this account for months now. XXXX has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and transunion please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with XXXX the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
Product: Consumer Loan

I received an accerlation letter in the mail. I owe less than 60days on the car. I actually owe XXXX which is one XXXX and one payment of XXXX. I pay the note everytime I get paid and I will make those last XXXX payments like I have setup to do with the lady at the XXXX number. Once the loan is paid in full which will be between XXXX 2017 and XXXX 2017, I would like my paid in full loan paperwork mailed to my home address XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. Inaccurate Reporting : XXXX and Equifax has consistently reported inaccurate information on my credit report, including erroneous account statuses, incorrect payment histories, and inaccurate personal information. 
XXXX. Unjustified Score Drops : Despite maintaining a positive credit profile, my credit score has inexplicably dropped by more than XXXX points without any changes to my credit behavior or financial circumstances. 
XXXX. Lack of XXXX : Despite multiple disputes and requests for correction, XXXX and Equifax has failed to take appropriate action to rectify the inaccuracies and restore my credit score to its rightful level.
Product: Credit reporting or other personal consumer reports

Someone opened up aXX/XX/XXXX credit card in my name and ran up a balance, I have not had any accounts with XX/XX/XXXX XXXX, nor have I did any applications. I would like for this to be investigated and removed from my credit profile immediately. The account isXX/XX/XXXX XXXX is the account number shown on my credit report