23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, my Bank of America debit card was compromised and used to commit fraud in a series of three transactions. Within a matter of hours, there was a fraudulent ATM withdrawal equal to {$1000.00}, and there were two other fraudulent purchases in the amounts of {$300.00} and {$550.00}. All fraudulent transactions occurred in XXXX CA. BofA sent me a fraud alert and reissued me a new card. I then submitted a fraud claim with BofA for the 3 transactions. BofA has since denied all of my claims without providing any sort of documentation or reasonable explanation. It has been almost two months and I have been out {$2000.00} during this entire time. This has created a significant financial hardship for me as I am currently unemployed due to COVID-19. I have contacted BofA multiple times and they have been extremely UNHELPFUL. Please note that I was not even in the state of CA when these fraudulent transactions were completed. I was in NV on vacation. I dont know what else to do. Can you PLEASE HELP ME? I strongly believe that BofA is acting in bad faith by not providing any transparency regarding my claims and by not allowing any sort of due process or recourse to me as a customer. I believe there actions equate to A MISAPPROPRIATION OF FUNDS and they have be held ACCOUNTABLE. 

My name is XXXX and I can be reached at XXXX. I hope to be contacted soon. 
Thank you in advance. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRAs reporting innaccurate and incomplete information on my credit. I reported the notation of the following late payments not consistentt and did not recieve proof of such claimm or any physical evidence accounts came back verified. 

" Treatment of innaccurate and unverifiable data '' if after any reinvestigation under paragraph 1 of any information disputed by customer an item of the information is found to be innaccurate or inncomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX  MAIN LATE PAYMENT XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX INQUIRIES- Equifax XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX I have a CITI bank home depo credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, Citi Bank closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XX/XX/XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, Citi bank then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the CBR dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFOS ). 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 ( 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 the violation.
Product: Money transfer, virtual currency, or money service

It all started with my processing a withdrawal from Betterment on XX/XX/XXXX. I received an email on that date stating that the withdrawal would process on XX/XX/XXXX. It has still not shown up in my account, despite their claim of it being in my bank account in 4-5 business days. This was about {$970.00}. After growing suspicious I attempted to close the account, by turning off reoccurring deposits, which I did on XX/XX/XXXX. The same day, I received an email saying that my account had been temporarily suspended and I needed to contact customer support. As this was a Friday evening, I waited to call until Monday. I called the company on Monday XX/XX/XXXX and spoke to someone who said my account had been suspended by their operations department and he could not tell me a reason why. He said the company was closing the account and that it would take multiple weeks for me to see the money return to my account. Now, on XX/XX/XXXX I still have not had any money return. At the time of the suspension, there was still {$1100.00} in the account that I do not have access to. I also have continued to get emails from the company that seems to be automated ( I got one today, XX/XX/XXXX, updating me on the progress of my investment, which I have no access to. It has been a nightmare situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : TransUnion and XXXX report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : TransUnion and XXXX list XXXX  months ; XXXX inaccurately lists XXXX. 
Date Last Active : TransUnion : XX/XX/year> ; XXXX : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : XXXX and XXXX show 120 days late in XXXX and XX/XX/year> ; TransUnion does not report these delinquencies. 
Comments : XXXX : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX : Real Estate Mortgage FHA mortgage.

TransUnion : No comments reported.

Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice.

The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement.

15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
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 XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my report I noticed this account that I have never applied for credit nor any written communication with. Pursuant to FDCPA 1692g I have requested for a validation yet you have failed to do so. FDCPA section 807 8 if you can not validate the debt that is a valid reason to remove it from my credit report. They have violated my consumer rights under the federal law FCRA & FDCPA.
Product: Credit card or prepaid card

I received an half-sheet postcard of an advertisement in XX/XX/2018 that  said I could earn {$200.00} cash back when I spent {$1000.00} with my Walmart Mastercard. The offer was valid through XX/XX/2018. The  {$200.00} would be paid as a statement credit within 1-2 billing periods. According to my calculations, the {$200.00} should be posted to my account in XX/XX/XXXX statement. On XX/XX/XXXX, I live-chat online and was promised the bonus will be posted within 1-2 billing periods. On XX/XX/XXXX, I received a letter that stated they would review my account. On XX/XX/XXXX, they sent me a letter requesting me to explain the concern which I mailed back on XX/XX/2018. On XX/XX/XXXX, I call customer service and talked to XXXX who promised me the bonus with a reference # XXXX. On XX/XX/2018, I received a letter stating that my request had been processed and AGAIN, the statement credit will appear on my billing statement within 1-2 billing cycles.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit info by XXXX without my knowledge or permission.
Product: Payday loan, title loan, or personal loan

On XXXX I went to ONE MAIN FINANCIAL office for a loan to consolidate my credit card debt. I was approved for {$8000.00} for such. 
XX/XX/XXXX I paid {$310.00} for an XXXX XXXX. 
XX/XX/XXXX I paid {$280.00} monthly amount due XX/XX/XXXX I paid {$280.00} monthly amount due I refinanced my mortgage with another lender to pay off this debt and I paid on XX/XX/XXXX, {$7700.00}. I was told I owed {$280.00} in additional interest ... I was FLOORED. 
I was told that they might be able to waive that interest charge and they would talk to their superiors about it. 

XX/XX/XXXX I called to find out about the waived interest and was told they would get back to me. 
XX/XX/XXXX I called about this again and was told they had to speak to their superiors. 
XX/XX/XXXX I was called and told I have to pay the interest fee of {$280.00} and I was floored again. I did pay it because I wanted my TITLE returned to me and I wanted to close this loan. 

XX/XX/XXXX I paid {$280.00} to close the loan. 
I had asked for a written statement of how that fee was determined because it didn't add up to me as I was current and never late on any of my payments. They would not provide a statement of how the {$280.00} was tabulated. 

I feel that interest was excessive and should be returned to me.
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 XXXX XXXX XXXX XXXX XX/XX/XXXX There was an inaccurate reporting on my credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2022XX/XX/year>
Product: Debt collection

My husband and I paid XXXX XXXX XXXX XXXX directly on XX/XX/XXXX. The manager agreed to retract and remove from collections. 

My husband and I filed for a dispute on XX/XX/XXXX, with all three credit bureaus. The collection was removed from my report, but now my husbands. 

The apartment complex did not remove the collection in XX/XX/XXXX as agreed after I paid. Procollect should have deleted it off both our credit reports per complex.
Product: Credit reporting or other personal consumer reports

My Credit Report still show inaccurate information of total accounts across all three bureaus closed accounts open account debt collections hard inquiries personal information addresses & previous addresses are all inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several months of negative reporting for Acct # XXXX from XX/XX/XXXX, which is showing " pays as agreed '' however, it's showing delinquent for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history. 

This same complaint was made in XX/XX/XXXX. Complaint ID # XXXX. Navient responded with, the late/delinquencies were removed for XX/XX/XXXX and XX/XX/XXXX. Also, I spoke with a Navient advocate in XX/XX/XXXX and she also removed the delinquency from XX/XX/XXXX. Now as of XX/XX/XXXX, the delinquency from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is now back on my current Equifax report which caused my score to drop. So very frustrating!!!! 

I called XXXX XXXX customer service number twice and they saw that it was corrected last year. The Navient customer service dept stated, they will have someone call me. I am still waiting. Also, why do I have to keep going through this same thing again. Stressful and depressing.
Product: Credit reporting or other personal consumer reports

Payments were late because of covid. refinanced mortgage was told that late payments were going to be removed
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to repair my credit and find I am unable to obtain my Equifax credit report. There have been major changes to my file, according to credit monitoring services I have, and Equifax is denying my right to see the changes. I have tried on 3 occasions to order my credit report online and get a message saying I need to order through the mail and produce several forms of ID. This is unacceptable. The changes are derogatory and urgent in nature and I do not have time to go through these ridiculous procedures.