23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Debt collection

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information with Equifax has been leaked, and I personally have been affected.
Product: Checking or savings account

On XX/XX/2018, I lost an item/code for {$2500.00}, after the money was deposited, i transferred the item to the buyer. Couple days later, I see that my account is frozen and has a negative balance of - {$880000.00}. I received no call, no email, no text from Bank of America regarding why my account was on hold. After i call, they said that the buyer is claiming that the {$2500.00} was an unauthorized transaction from his account and that a fraud investigation will be underway and will take 7-10 days to complete. I called multiple times after that for any information and to have the - {$880000.00} removed so i can pay my bills. After days of calls and agents, it was finally removed. I did not receive any information on the investigation until XX/XX/XXXX. which is over the 10 days and they sided with the buyer and agreed that it was unauthorized and fraud and i had the {$2500.00} withdrew from my account. If the investigation proved to be fraudulent why am i not protected? Why am i the one being punished if their investigation showed an unauthorized transaction?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach and website is unable to authenticate me to allow me to place a credit lock. I tried calling and was unable to get through to anyone who could help.
Product: Credit card

On XX/XX/XXXX I attempted to pay a XXXX XXXX with a credit card. The merchant took my card and and told me they were processing the transaction on my credit card. Then told me the transaction on my card didn't work. I then paid the merchant in cash. I later noticed the merchant did actually charge my card. 

I then attempted to dispute the charge on XX/XX/XXXX with Chase bank online. I could not complete the dispute online and was prompted to call. When I explained the situation to the Chase agent I was told they couldn't file a dispute because I don't have a cash receipt from the merchant. 

This was obviously a scam on the street merchants side and is fraud. Chase has made no attempts to resolve this issue further.
Product: Credit card or prepaid card

Amazon store card, asked if I would like to enroll in an assistance program. Simply stated that I would pay a reduced monthly fee, did not make it clear that this would be a settlement, would close the account, negativity affect my credit score, etc. Tried to see if account could be reopened ( it has been closed less than a week ) and payed off, they said it was not an option and that this was permanent and that it was clearly disclosed to me ( it was not ). They were very misleading about the consequences and simply made it seem as if they were offering reduced monthly payments.
Product: Credit card or prepaid card

I received a prepaid debit card with a balance of {$500.00} and was having issues making payments the whole time and only 2 transactions successfully processed. The card does not work and the company promised on XX/XX/30 that if the card did not work by the end of the day that they would send a replacement. They also stated the card expired at XXXX  PST. They tried to blame it on me trying to use the card for cash access however I was not doing this, I was trying to purchase something on XXXX. At the end of the day I called for a replacement and they stated that the first representative was incorrect and they can not make a replacement. They also said the card expired at XXXX  EST, in contrast to what their first representative stated.. My card expired with a {$300.00} balance due to the company purposefully trying to not replace my card.
Product: Debt collection

I was contacted by Amsher Collection Agency via phone. I verbally requested the details of the debt mailed to me. The caller requested my credit card information after refusing to give me any details, stating only that this was for a previous debt and that I had already received written communication. I stated that I had not received any form of written communication showing I owed a debt, but that I would definitely pay if I truly owed anything. I again requested the details of the debt mailed to me, only to have the caller insult me and demand my credit card information. I once again requested the details of the debt mailed to me, requested that my phone number be put on their " do not call '' list, and disconnected. 
I have been receiving XXXX to XXXX calls a day, Monday through Friday, from Amsher Collection Agency. I have sent XXXX certified letters requesting the details of the debt as well as placing my phone number on their " do not call '' list. The harassment from Amsher Collection Agency has not ceased.
Product: Credit card

Please review the enclosed files. I request the bureau to initiate an inquiry into these accounts, as I have consistently been on time with payments, yet they are incorrectly recording me as delinquent.
Product: Credit reporting or other personal consumer reports

CCM Finance is intentionally reporting incorrect and misleading information. Im beginning to think this is retaliation for not getting another vehicle with this company and or racially motivated. Instead of correcting account status theyve updated my account to look as if payments were past due when in fact they were not Ive attached proof of payments. I actually paid more prior to dealer buy back because thats what I was told to do even though I thought it was odd. I did whatever I was told because I didnt want to negatively affect my credit. 
The loan original balance, payment history, and account status in INACCURATE and Ive sent proof. I have receipts of payments, recording and text messages.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. CRA Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. CRA Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. CRA Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy.

4. CRA Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. CRA Failed to acknowledge the Exclusion section of 15 USC 1681 a 2 which states that transactions and experiences shall not be reported which are late-payments and hard inquires Please see Attached " Description of Incident ''
Product: Bank account or service

I have been diligently trying to close out and reopen an account that has been compromised several times first by Debit Card now by ACH. I opened an ACH claim sometime ago and the fraud issue was resolved. I was told the account was to be closed but that never happened. After trying to open a new account I was told that because of the excessive overdraft ( which was caused by fraud ) I was not able to open a new account but I could keep the compromised account open. Since then my account has yet again been compromised. I spoke with someone in the CEOs office today whom was supposed to handle the issue however she continued to push blame and offered no resolution.
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 violates the Consumer Financial Protection Act. 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 and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorized or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( i ) which the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit " Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They all should be removed from my consumer report pursuant to 15 ISC 1681a ( 2 ) ( b ). I am demanding that you remove these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

Started 3 weeks ago with my tax return your bank close my account telling me your fraud department needed documents I just sent them the return they asked for in im still being denied I was told numerous times 3 weeks ago that they were sending check back to address after they closed my account comes to find out my check never went to address now they giving information that the money in the bank they need tax return from irs I provided everything they asked for this very discrimination disturbing XXXXm getting very negative attitudes from your employees giving me a hard time
Product: Checking or savings account

Bank of America is regularly charging monthly maintenance fees for checking accounts with less than a certain amount of money. I would just close my account but Im still receiving payments that I cant have switched to a different bank.
Product: Money transfer, virtual currency, or money service

XXXX and XXXX of 2024 I sent money to what I thought was a legit company and it turned out to be a scam. I filled out loan documents and everything just to discover that it was an elaborate scam. I attempted to file a dispute with Cash App and without even investigating they denied my claim. I lost over {$800.00}. I filed a police report and everything. I also reported the account to Cash-App only for them to state that they weren't taking any action.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I didn't authorize..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove inaccurate unverified information. After XXXX their 3rd party vendor removed and inaccurate information. I provided the supporting documents to experian from XXXX. 
Accounts XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Product: Vehicle loan or lease

The vehicle was totaled on XX/XX/year>, not due to my fault. The insurance company and GAP insurance have provided payment to XXXX, resulting in a remaining balance of {$7900.00}. I signed over the title to XXXX before the payment was issued. I am inquiring about why I am still responsible for the loan on a product I no longer own, given that I transferred the title before the lienholder received payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX  XXXX XX/XX/XXXX {$490.00} XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In the summer of 2015 XXXX XXXX XXXX of FCB Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX verbally approved a mortgage for my family to purchase a newly constructed XXXX XXXX in XXXX XXXX. While in the presence of the XXXX sales team he advised us we were good and asked us to provide a deposit of {$19000.00}, in which we did. During the ensuing XXXX8 months when the house was being built we were called by XXXX inviting us to visit the house when it was near completion. XXXX gave us an access code for entry and invited us to a XXXX XXXX meeting for new residents. We completed their final walk through with XXXX and was provided with a final XXXX to close the loan. When we began the process of wiring the closing costs through the title company, FCB Mortgage called to say the loan could n't close. Suddenly on the day of closing, FCB changes programs and requires additional insurmountable conditions. Now we are being told we can not get our deposit back. 
XXXX XXXX was aware of the approval as they contacted us with closing dates.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of specific accounts from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The details of the accounts in question are as follows : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX claimed that I owed them money ( {$830.00} ) back in XXXX, 2017. They said that I was XXXX XXXX with an address located in XXXX, AL. I made several attempts to correct with them, and they said that there was nothing they could do, since the account had been turn over to a collection service. I corrected what incorrect information I could on my credit report. Now, XXXX XXXX XXXX has assumed that debt, and filed it against my credit report. I have received no communications from them, but my credit rating has dropped almost 100 points, and I am trying to get a home mortgage! I have disputed the account through Transunion - again. Neither XXXX nor XXXX XXXX XXXX will acknowledge the error, with each pointing to the other saying they are not responsible. I have never owed XXXX money.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXOriginal Creditor XXXX XXXX XXXX XXXX Balance Owed : {$960.00} XX/XX/XXXXXXXX Bankruptcy Reference # XXXX XX/XX/XXXX XX/XX/XXXX Original Creditor : 11 XX/XX/XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024 XX/XX/XXXXXX/XX/year>2024 XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXX/XX/year>2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXXXX/XX/XXXXXXXX XX/XX/scrub>/2024 XXXX OF XXXX XX/XX/year>2024XX/XX/XXXXXXXX XX/XX/year>2024 XX/XX/XXXXXXXX/XXXX/2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XX/XX/XXXXXX/XX/XXXXXXXX/XXXX/2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXXXX/XX/scrub>/2024 AXX/XX/XXXX XX/XX/XXXX XX/XX/year>2024 XXXX XX/XX/XXXXXX/XX/XXXXOF XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by XXXX XXXX XXXX didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by Experian. Despite multiple disputes submitted to Experian, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : Accounts in XXXX : XXXX. XXXX XXXX Account ( # XXXX ) Errors : Conflicting account statuses : Closed at credit grantors request and Charged off. 
Credit usage is listed as 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ). 
Payment history is incomplete ( XXXX to XX/XX/XXXX missing ). 
Experian has failed to provide any validation documents from XXXX XXXX despite my previous disputes. 
XXXX. XXXX XXXX Account ( # XXXX ) Errors : Reflects XXXX late payments without clear documentation or explanation. 
Past due amount of {$160.00} is reported, despite the highest balance being only {$190.00}. 
Misleading account status : Closed at credit grantors request, but still reported as past due. 
Experian has not provided any verification or supporting documentation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Errors : Discrepancies in reporting : Credit limit of {$300.00}, highest balance of {$0.00}, and a status of Discharged through Bankruptcy XXXX XXXXXXXX Late. 
Payment history for XXXX to XX/XX/XXXX is missing entirely. 
Comments indicate a completed investigation of FCRA dispute - consumer disagrees, but no documentation has been provided to substantiate this conclusion. 

FCRA Violations : 1. Failure to Validate : Under 15 U.S.C. 1681i ( a ), Experian is required to delete unverifiable information within 30 days. Experians failure to validate these accounts after multiple disputes is a clear violation of this requirement. 
2. Failure to Ensure Accuracy : Under 15 U.S.C. 1681e ( b ), Experian must maintain maximum possible accuracy. The reporting of conflicting, incomplete, and unverifiable information violates this standard. 

XXXX XXXX Reference : In XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that credit reporting agencies can not merely rely on data furnishers for verification and must conduct their own investigations. Experians lack of independent investigation violates this precedent.