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

The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX  OPENED ON XXXX XXXX {$370.00} Account name : LOUISIANA CHILD SUPPORT OPENED ON XXXX XXXX {$820.00} has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX has failed to fulfill this legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to for consumer provided evidence to furnishers, accepting unreliable responses and failing notify consumers of their dispute outcomes. These failures align with my experience where Experian has neither corrected norm remove any of the accounts I disputed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I logged into XXXX to dispute Collection accounts from third party collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed the validation of these collection accounts. I wrote in every dispute " This company has not provided any documentation or proof of this alleged debt, please delete off my credit report ''. 

On XX/XX/XXXX I started receiving updates to these disputes claiming " has not been changed and will remain on your credit ''. 

I then disputed every single collection again from all credit agencies listed above with " If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection. If you can not provide this, please delete immediately. 

I started receiving dispute updates with these accounts on the XXXX XXXX XXXX claiming again that it is valid and will remain on my credit report. 

I still have not been provided proof of how these accounts are verified valid, nor have I received any purchase agreements, nor my original signature authorizing said collection agencies to collect said debts. 

The above listed collection agencies have also been calling me non stop. I have asked above collection agencies to stop contacing me through phone and please do so through the mail. If said collection agencies can not provide validation, with an original ( not photo copied ) signature the said debt is null and void under 15 US Code 1692c, 1692g, 1681e etc.

My next step is to write each above collection agency and serve them with a Cease and Desist letter, also including harassment and violation of my consumer rights. Under the FCRA Section 605b it is illegal to report anything without my permission.
Product: Checking or savings account

I opened a promotional offer in XX/XX/XXXX which offered a bonus award of {$400.00} if I kept {$15000.00} for me and XXXX $ to mi girlfriend in a checking account for 150 days. The 150 days was up on XX/XX/XXXX, but I have not received the {$400.00}. Three bank employees in two different branches have opened disputes files but nothing has happened. I opened the checking account at the XXXX XXXX,. branch. The manager XXXX XXXX is involved in this dispute but she is incapable of solving the problem. 

I give this bank a zero rating, and I've gone to another branch to ask for help. The banker there made a good faith effort to solve the problem, but to no avail. It is now 25 days after the money was due and nothing is happening. I've filed a complaint with the CFPB and with the Federal Reserve Consumer Help bureau
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 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 those violations.
Product: Credit reporting

Equifax is reporting a recent address change XXXX XXXX XXXX, XXXX, GA. I never lived in Georgia and now I 'm worried that someone may be using my personal information.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint against Experian with you guys on XX/XX/XXXX to remove the inaccurate, incorrect and unverifiable account information as well as negative payment history and some hard inquiries that I do not recognize and that do not have permissible purpose to be on my Fico Consumer credit report in accordance with Fair Credit Reporting Act. Here are a list of the accounts and hard inquiries that must be removed immediately! 

Accounts : XXXX  XXXX account number XXXX opened XX/XX/XXXX with 15 months negative payment history. This inaccurate, incorrect, unverifiable information, and negative payment history on my report must be deleted immediately pursuit to 15 USC 1681b. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with 2 months negative payment history. This inaccurate, incorrect, unverifiable information, and negative payment history on my report must be deleted immediately pursuit to 15 USC 1681b. 

XXXX XXXX account number XXXX opened on XX/XX/XXXX with 13 months of negative payment history. This inaccurate, incorrect, unverifiable information, and negative payment history on my report must be deleted immediately pursuit to 15 USC 1681b. 

Hard inquiries : [ XXXX XXXXXXXX XXXX on XX/XX/XXXX ] I'm not sure what company this is but I do not recognize nor did I authorize this inquiry. This inquiry on my report must be removed immediately pursuit to 15 USC 1681b.

All my rights are protected and preserved under the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX, VIN # : XXXX, through XXXX a few year ago and decided to refinance with USAA. At the beginning of XXXX I had finalized the process a refinance loan with USAA. All that was left was for USAA to send a pay off check to XXXX. On XX/XX/XXXX a check, for the amount of {$11000.00}, was meant to be sent to XXXX XXXX XXXX XXXX Georgia. A month later my XXXX account is still showing a full balance. We contact XXXX and are told a check for the payoff has not been received. 
Upon speaking with XXXX, they provided me with a tracking number ( XXXX ), supposedly for the pay off check, that says the package was delivered on XX/XX/XXXX in a mail box at a XXXX Tennessee. After further calls with both companies, I was informed by USAA the check has been cashed. USAA provided me with a copy of the cashed check which has the account number the check was cashed to, along with a name signed on the back " XXXX XXXX ''. I provided XXXX with the copy of the cashed check, to which they further investigated and confirmed they did not receive it. After hours and hours on they phone speaking with USAA member resolutions, loan origination, a personal advocacy member, and XXXX fraud reports, it is now XX/XX/XXXX and USAA is holding strong that they have done no wrong and I am still responsible for paying their loan, along with XXXX. This means I am responsible for paying XXXX {$11000.00} loans to XXXX different companies for the same car. My loan through USAA is a car loan connected to a vehicle, in which XXXX still owns and possesses the title for. USAA does not have the title and they will not look into the matter any further but are still requiring me to pay them. I never saw or touched the refinance pay off check. did all of the steps correct and in no way could have affected the outcome of this. 
XXXX is requiring me to continue to pay them even though had no impact on this lost check.
Product: Credit reporting or other personal consumer reports

Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has Sr on it Heres the account number Account Name - Capital One Open date - XXXX Account name Capital One Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law.

Also every piece of information on this account is not reporting 100 % Accurate.

According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services. 
2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX XXXX looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i disputed negative accounts and addresses with XXXX, equifax and XXXX they have not block and remove all information associated with Identity Theft.i disputed these items XX/XX/year> and they have not respected FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts
Product: Credit card

I attempted to change my address three times with Citibank. I wrote the change of address on the mail remittance. They cashed my check but did n't change my address causing me to get late fees. When I called them, they offered to credit some of them. It seems like a scam to get extra fees by not changing the address.
Product: Debt collection

In XX/XX/2012, I settled this account that was a charge sent to collections from XXXX XXXX  to IC Systems. I received a settlement offer and settled it in full. Since they they have changed the amount to show {$98.00}, and it is still affecting my credit score. This needs to be removed immediately and my credit needs to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is inconsistent on all the bureaus Account : XXXX XXXX XXXX. 
account no:XXXX
Product: Vehicle loan or lease

I have had a lease with Hyundai/Kia financing since XXXX of XXXX. My lease is set to be completed XX/XX/XXXX. Due to the changing size of our family we need a bigger vehicle and I contacted Kia to figure out how to get out of my lease. Upon contacting them for several weeks about statements and an audit ( as of today I still have not received those statements ). The last payment I sent in XX/XX/XXXX was for {$1100.00} cents which made my account current. Imagine my surprise when I logged in I was notified a few days ago after disputing a balance of my account that I was still delinquent. How??? No one could explain until I was able to speak to a manager only after my husband called to speak to someone after I had been transferred over 5 times and hung up on several times. The manager after several moments informed me that I had a missing payment from XX/XX/XXXX! I was livid considering that I had paid not even 14 days before and asks what my balance was so that I could be current. She proceeded to tell me that Kia does not call customers if they are behind on bills or if one is missing .... I am sure that can not be right. I called again XX/XX/XXXX and spoke to XXXX who told me she saw I was current from the last payment and that she would contact the payment department but it would take at least 30 days to correct ... I would also need to call in for a status because they do not call out anyone ... I have retained a buyer but Kia would not give them more than 24 hours on the payout quote. When I asked I was told it was because it was right before a cycle and cycles are different on leases. I am trying to do the right thing but I refuse to pay a " bill '' from almost two years ago that I was never notified of. All I want is to get rid of this car and hold Kia accountable for their lack of customer service and due diligence. In the midst of a pandemic I am still trying to make sure that I am taking care of may responsibilities they need to as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX loan the amount {$1200.00} ( charged off ) XXXX XXXX XXXX XXXX XXXX loan the amount {$22000.00} ( charged off ) XXXX XXXX XXXX {$140.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Balance on XX/XX/XXXX Loan Amount {$140.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$140.00} Original loan amount - XXXX XXXX {$1800.00} Closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX  Balance on XX/XX/XXXX Loan Amount {$1800.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$840.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX Original creditor : XXXX XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX XXXX XXXX XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All accounts above are fraudulent references to Identity theft/ fraud police report # XXXX filed when notice Credit inquiries and unknown accounts tried reaching out to creditors numerous of times about this issue with little to no results. 


XXXX XXXX XXXX {$3300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Account above was paid off XXXX XXXX And now is back reporting on my account with negative impact to my credit report
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citi Regular Checking account because Citi Bank advertised a {$450.00} welcome bonus for new customers. To meet the requirements for the bonus, I funded the account with {$6000.00} on XX/XX/XXXX, transferring the amount from my personal checking account at XXXX XXXX  XXXX. 

However, on XX/XX/XXXX, Citi Bank claimed that I had violated their client manual and informed me they would be closing my account. As a result, my {$6000.00} has been withheld, and I have not received the {$450.00} welcome bonus.
Product: Credit card or prepaid card

My Amazon Prime Visa Signature card is no longer earning 5 % back on Amazon purchases. I had previously started a one-week trial on my account and successfully received the advertised rate of 5 %. After ending, the rate declined to 3 % as indicated in the terms of the program.

I removed the card and added it to a separate .edu Amazon account with a 6-month trial. The terms state that the card will only receive 5 % in a single Amazon account with an eligible Prime membership and that adding it to multiple accounts may require manual selection of the 5 % offer in payment settings. However, there is no 5 % option available in the Amazon payments section for this .edu account, nor is the card defaulting to the 3 % tier.

I called Chase and Amazon customer service twice and was advised to repeat the process of removing and adding the card in both accounts, as well as to place a test order on the card. I reloaded my balance with {$0.00} on the card, which should be eligible for either {$0.00} ( 3 % ) or {$0.00} ( 5 % ) in rewards. Neither is indicated on the Chase transaction after it posted. This is a violation of the terms of the rewards program on this card.

I contacted Amazon customer support a third time via chat and was egregiously ignored. Three separate representatives connected and all three abruptly abandoned the chat upon realizing their incompetence in redressing the issue. They failed to provide any resolution and dismissed my repeated insistence that the problem be escalated to the appropriate level for manual resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred it.
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved. 

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