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

I created a charge with XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} and it was supposed to be {$5.00} for a robo call in XXXX. I have contacted XXXX several times, but they have not issued a refund. I contacted Marcus to dispute the charge. I sent Marcus all the information. Marcus initially credited me my money back, then they reversed the transaction. 

Im not sure what else to do- it was a typo. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  These inquiries do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. Ive been trying to get a fraudulent Dismissed Bankruptcy off my credit file with XXXX for over 6 mos. I have provided documentation from XXXX XXXX, XXXX keep sending me the same results stating that its been verified dated back in XX/XX/20. I also provided them documentation from XXXX XXXX stating this file was deleted because it didnt belong to me, I forward a copy of the letter from California XXXX XXXX XXXX stating they dont do third party verification and I sent the letter from XXXX  stating they dont do third party verifications. If XXXX had verified this erroneous account XXXX XXXX wouldve verified they deleted the Bankruptcy from my file. XXXX  continues to lie and disregard the proof provided. 

Not to mention all my data was apart of XXXX DATA BREECH! NEVER WAS COMPENSATED, NEVER GOT ANYTHING THEY PROMISED!! Than they have the nerves to lie and not due their job!! 
I spoke to a lady today w/XXXX she said XXXX verify with the courts but the dispute results states Otherwise. The dispute results states that this account was verified through XXXX XXXX! I am preparing to file sue against XXXX  if this isnt deleted ASAP! Please contact me ASAP. Thank you so much! 

Experian has been doing the exact same thing! They arent verifying information they only go off their last verification when I really dont think they verify anything they just tell you in writing that the erroneous files will stay on your credit file and it proved to belong to you! Someone really needs to look into these two agencies regarding their ethical behavior as to how they handle peoples credit file. My next complaint with be with my attorney to file a law suit. This is awful!
Product: Credit card or prepaid card

We purchased a XXXX XXXX XXXX trip and it was canceled due to Covid, booked another trip with the credit from the XXXX trip, and that was also canceled, then booked an XXXX cruise with the credit, due to sail on XX/XX/2022, and that was just canceled. The cruise line is now going out of business and the credit card company, Chase XXXX said it has been too long to get a credit back. The cruise never set sail yet and we received nothing for our money. What can we do? We are senior citizens living on a fixed income and this is a tremendous amount of money owed to us. Any kind of help would be greatly appreciated.
Product: Debt collection

XXXX of XXXX I purchased my XXXX XXXX XXXX model with credit and they charged me monthly for payments. I recognize that Ally Auto is a third party on this auto transaction due to the fact that I am the original creditor and only creditor. I have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.
Product: Debt collection

I am constantly being harassed by XXXX XXXX he constantly states that he is a compliance officer for XXXX XXXX XXXX and he is filing a case against me, he reaches out to my family and threatens to call my employer but never tells me any information when I speak to him he constantly tells my family that he is going to come to there house and look for me. He doesnt state who he represents but he leaves a number for me to call with a case number that leads me to a woman stating she is my case worker for my loan with loan me and she is filing against me in XXXX XXXX court 2 allegations. They dont tell me what company they are they just tell me they are representing Loan Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to XXXX XXXX  and experian about wrong addresses showing on my credit report. i was trying to get these addresses removed but they did nothing
Product: Vehicle loan or lease

I sent a XXXX dollar check to pay off lease. Check was cashed but not applied to end of lease fee. Chase stated that they sent me letters to pay for auto property tax. I did not receive a bill to pay for taxes but yet they have electronic records of letters. My account was sent to collection agency for the recovery of XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint on Cashnet USA. My son has told them numerous times that my health has gone down and I'm unable to work anymore. The only income I'm receiving is my monthly pension pay. And yes, I get paid at the end of each month and only make {$890.00}. When I took the loan out, I had another full-time job that I was working while drawing my pension check. Since my health has gotten worse, I'm no longer able to work any full-time job. I'm not good at negotiating with the creditor and want all communication to go through this channel. Cashnet USA has reached out and is telling me they will settle with me if I make {$540.00} every two weeks. As you can see, I'm below the poverty level and can't afford that, not on XXXX a month. I need them to work out a realistic monthly payment with me. I really need it to be {$50.00} a month as I have to spend my money on medical.
Product: Checking or savings account

On XX/XX/2019 a deposit of {$50.00} was made to my account by a tenant. To date, Chase Bank has not credited my account for the {$50.00}. I have supplied them with a copy of the cancelled check and they still have not deposited the money into my account. I have called and visited the bank branch in XXXX XXXX, Fl, where the check was deposited, and still no money has been deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was affected by trans-union taking inquiries off my credit report and not notifying me properly and would like to have them removed.
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 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 395K financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to correct the inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance Owed : {$540.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX Account # : XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681eb : A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the reportEach permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

15 USC 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 reporting, credit repair services, or other personal consumer reports

I just tried to review my credit report and credit score via multiple credit depository sites and I learned that Equifax is the only credit bureau that would allow me to view my credit report. I called and spoke to a rep in their Consumer Affairs department and asked if I could just have my Security Freeze completely removed from my credit report that I originally requested be placed on my credit report because its hindering my from viewing my Equifax Credit Report. The rep told me that I could not have it removed. I asked why and she said it was their policy. So I informed her that it was my right per the FCRA law which grants me the ability to access all three of my bureaus at any time, but Equifax is the only credit bureau who has a secret policy in place barring certain individuals such as myself from accessing my credit report. Equifax is above the FCRA Rules which they are supposed to be following. 
I would like to have the security freeze that I placed on my credit report removed because it blocks me from accessing my own credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FL, Out standing bill {$260.00} paid XX/XX/XXXX Shows up on credit report for collection XX/XX/XXXX I C systems inc. collection is only taking paper information by mail, for proof its paid, That was mailed out XX/XX/XXXX Today I called they have not received anything, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX XXXX5 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe to believe that the information is inaccurate.
Product: Student loan

In XX/XX/2023, I applied for a loan consolidation for all of my students loans including the defaulted student loans and I chose my student loan servicer to be Mohela. I received a letter from XXXX dated XX/XX/2023 that all of my student loans were consolidated. But weeks later, I received a letter from XXXX that some of my loans went to them and the rest to Mohela. I have contacted Mohela and U.S. Department of Education about this issue and both told me to contact my loan servicers. I keep getting the confusing information of whom to contact. 
XXXX I submitted a complaint to XXXX XXXX XXXX. 
XXXX I received an email from Mohela that my student loans were paid in full. 
XXXX I received an email from Mohela stating that I had a past due balance on a monthly student loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly request Transunion to correct the inaccurate address on my credit file. 
I have sent the required paperwork with a response received that I need to provide proof of my identity and current address which I previously provided. 

The address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX IS A INACCURATE address associated with me. I have never been at this address and further more this indicates this is a apartment and this is a residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, & XXXX  verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.
Product: Money transfer, virtual currency, or money service

I send an amount of {$6000.00} to XXXX from a money transfer store. The name of the store is " XXXX XXXX ''. Address : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX. 

But the lady ( store owner ) closed the business and left the city instead of sending the money or refunding me. She used to send my using Choice Money transfer and her lending company is Small World Financial Services Gropup. Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NJ  XXXX. 

Short History : I went to the store on XX/XX/XXXX and gave {$6000.00} to the business. The lady said it will take few days to send the money as the amount is big. She asked for my bank statement and I provided that. She told me that once, they finalize the transaction she will give me the PIN number. She gave me a printout of my transaction and asked me to wait few days. I believed her as I used to send money from this store from last two years and this kind of transaction delay happened early. 

I followed up on XX/XX/XXXX just after the XXXX day and she said the transaction is still pending. She said same on phone when I called her couple of times. On Saturday XX/XX/XXXX I went to the store and she told me that the money transaction must be cleared on Monday ( 1XX/XX/XXXX ), otherwise she will refund me. I waited till Monday. When I visited the store on Monday she said that their system is completely down, and as that was a holiday week, she needs some times to restore the system. She said that they will fixed the system on XX/XX/XXXX and only then she can cancel the transaction and the refund will be available on XX/XX/XXXX ( Friday ). I had to wait but I got some scared but as it happened to me earlier and she had never cheated me, I just believe that and went to the store on 'XX/XX/XXXX '. But I found the store is closed. I revisited the store on next day XX/XX/XXXX and found the still closed. I spoke with another customer and she read out a notice which was written in XXXX. As per the notice, they will open on XX/XX/XXXX due to system failure. 

I went to the store on XX/XX/XXXX but found that closed. I also saw many people came there to inquiry about their money. But the lady left the city keeping all of us blind. Next day XX/XX/XXXX, I met an agent from Small World Financial Group who are the lender of the wire transfer. That agent told us they will take care the customer. But when I called them they had not received the phone. I called Choice Money transfer but they said they had nothing to do with the store as the lady did not actually made any real transaction. 
I went to the police station and filed a police report against the lady. Her name is XXXX most probably. 
I need help to get my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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: Checking or savings account

I have been trying to close my checking account since XX/XX/2023. I have messaged twice and was told it had to be done by call. I have called XXXX times and was told it would be closed. Yet here we are and its still open.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late Account Number : XXXX that are reported on my credit file maintained by Equifax . I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my ChexSystems report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX we received an email from our Credit monitoring service that an account with PNC Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for PNC to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year