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

Name of Company : AAFES Military Star Card I'm trying dispute some late payments that was placed on my credit report from XX/XX/XXXX-XX/XX/XXXX. I tried to dispute it before with my justification being that I signed for automatic payments to be made through the Star card website but then later learned that the payments weren't being made. And due to high Operational tempo and being deployed I had limited internet access to resolve this issue. 

- I have tried to dispute this multiple times with no success and on XX/XX/XXXX I even contacted the company but they were unable to help me. 

Company 's response is found below : Hello XXXX XXXX   XXXX, Thank you for contacting Exchange Credit Program. 

Regarding your credit reporting inquiry, we can only remove negative reporting, if due to an AAFES error. 

Statements are sent out monthly to the address or email address on file. It is the responsibility of the account holder to be aware of their balance and payment information, per your terms and conditions. 

Therefore, we can not remove any delinquencies from your credit report. They will be removed by the credit bureaus after a 7-10 year period from the last activity date. 

If you have any further questions, please email XXXX or contact MILITARY STAR at the phone number listed below.
Product: Credit card

I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid BANK OF AMERICA/FIA CARD SERVICES in full. 

XXXX reports BANK OF AMERICA as " Derogatory '' and as " Negative Account, Closed Account ''. It continues to report the status as " Wage Earner Plan '' and the " Date Reported '' is " XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. BANK OF AMERICA continues to report a balance of {$19000.00}. 

XXXX reports BANK OF AMERICA with XXXX " Derogatory '' and " Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports " Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the " Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the " Payment Status : Wage earner or similar plan ''. 

XXXX reports BANK OF AMERICA accounts as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report the " Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX BANK OF AMERICA addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear Care Credit Customer Service , I trust this message finds you well. I am writing to address a pressing concern regarding my Care Credit account, specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances, even when payments are submitted on time. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications. 

I respectfully request the following actions to address these concerns : 1. **Thorough Investigation into Billing Discrepancy : ** Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. **Transparency Regarding Securities Trading : ** Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest. 
3. **Update Account Status to " Paid as Agreed '' : ** Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust Care Credit will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical matter concerning the Fair Credit Reporting Act ( FCRA ) and the egregious violations committed by XXXX, XXXX XXXX, and XXXX XXXX. It is imperative that I bring to your attention the significant delay in resolving these issues, particularly in relation to my Experian credit report. 

Under 15 USC 1681 section 602, my right to privacy has been blatantly breached by these creditors. The gravity of this situation is further emphasized by 15 USC 1681 section 604a section 2, which explicitly outlines the imperative of safeguarding consumer privacy.

Moreover, as per 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. These creditors are in direct violation by reporting late payments without adhering to my written instructions under an open-end consumer credit plan. 

I express my disappointment in the lack of expedited attention to this issue specifically on my Experian report. 

I urgently request Experian to prioritize this dispute, conduct a thorough investigation, and promptly rectify my Experian credit report. 

Your immediate and decisive action in resolving this matter on my Experian report is both anticipated and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX # XXXX, XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I have requested a credit block on all of my Credit information. This is my official Police report on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have not heard anything from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation to the following accounts : - XXXX XXXX # XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency is reporting fraudulent information. I have attempted to resolve this matter directly without success. The credit inquiries ( documentation attached ) were done without my knowledge and or permission. Please refer to attached documentation that establishes my identity theft claim. Please have the credit reporting agency delete all inquiries not authorized by me.
Product: Credit reporting or other personal consumer reports

I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED EXPERIAN, XXXX, AND XXXX VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Money transfer, virtual currency, or money service

Dear Sir/Ma'am, My account on Paypal was put on permanently limited and can no longer use it anymore. I am very sad because this is my new account open just in 4 days ago. And I made transaction on my online business. The payment successfully transmitted on my Paypal account. But after all Paypal sent an email decided to put on permanently limited my account without disclosing any reason why. 
I believe that it was a mistake to put on permanent limitations my account. I am using my Paypal account for my online business last XX/XX/2022 under Paypal account XXXX has stucked funds in it that I have to withdrawn asap for my y emergency purposes. I am hoping that I will get back my account and lifted my limitations to be able to transact business again with Paypal. 

For identity verification, I attached my valid ID and screenshot of my account on Paypal for your reference. 

Thank you and God bless Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated Transunion and XXXX needs to change it. They do not want to help at all.
Product: Money transfer, virtual currency, or money service

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

Under the Consumer Financial Protection Act ( CFPA ), financial institutions are required to act in good faith, ensuring fair treatment of consumers. Cash Apps failure to properly secure user accounts and respond to fraud issues violates these provisions.

Additionally, Cash App 's dispute resolution process has been unfair and deceptive. They have not complied with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which govern how financial institutions must handle disputes and unauthorized transactions involving electronic funds. The lack of compliance with these regulations has further compounded the situation, leaving my account vulnerable and preventing me from resolving the issue in a timely manner. These actions have caused significant inconvenience and financial loss, as my funds were left unprotected due to Cash App 's failure to act in a reasonable and timely manner. The dispute process was deceptive, leaving me with no clear path for resolution or reimbursement for the losses incurred.

I am seeking redress for these violations, including a full review of Cash Apps handling of the fraudulent transactions and a reimbursement for the financial losses I have suffered as a result of their failure to protect my account and resolve the issues under applicable laws. 

updated address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act this creditor ( TransUnion, XXXX, and XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan late for any purpose.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have not received my annual credit report from Telecheck. I want Telecheck to send and mail me a complete copy of my Telecheck consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I have disputed incorrect information on my Transunion credit report regarding my public records showing a bankruptcy with incorrect dates. 

Transunion has come back verifying the information as accurate when clearly my PACER public records indicate the correct dates. 

This is straight from Transunion 's website : " In most cases, the Date Updated represents the last time the account information was updated or reported by the data furnisher. '' I demand to know who this " data furnisher '' is, because the public records show something different. If the data furnisher is XXXX then XXXX also has the wrong dates and that has also been disputed. 

Furthermore, there is a suffix " XXXX '' on the title name of my Transunion Credit Report. That is not part of my legal name and that suffix does not show on any of my accounts of reports. So how exactly can you verify the bankruptcy under my name if the bankruptcy does not have the suffix XXXX on it. 

Additionally, the bankruptcy on XXXX erroneously has the title name of the Trustee XXXX XXXX instead of my only legal name " XXXX XXXX '' - I have disputed this error with XXXX thus they should remove the entire thing from my consumer report. 

I am to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The following item ( s ) are incorrect and must be corrected or deleted immediately : The last Date Updated on my public records is XX/XX/year> - where Transunion is reporting the last date updated as XX/XX/year> Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate this dispute within 30 days and correct any inaccuracies.

If you fail to correct these errors, you may be in violation of 15 U.S.C. 1681n ( willful noncompliance ) or 15 U.S.C. 1681o ( negligent noncompliance ), both of which entitle me to statutory damages, actual damages, and legal fees.

Please provide a written response within 30 days confirming the resolution of this matter.

If the credit bureau fails to correct the inaccuracies, I will send a Notice of Intent to Sue demanding compensation.

Under 15 U.S.C. 1681n, I am entitled to : Statutory damages up to {$1000.00} per violation Actual damages for financial harm caused, which includes emotional stress and grievances for the humiliation of getting denied credit Punitive damages for willful violations Attorneys fees and court costs If this matter is not resolved within 30 days, I will be forced to take legal action. Please remove the inaccurate information immediately and compensate me for damages incurred. 

15 U.S.C. 1681i Right to dispute inaccurate information 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate disputes 15 U.S.C. 1681n Right to sue for willful noncompliance ( up to {$1000.00} per violation + punitive damages ) 15 U.S.C. 1681o Right to sue for negligent noncompliance ( actual damages + legal fees ) Attached is the public records data straight from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022. Transunion has dropped my credit score from XXXX to XXXX. A bill was removed from the said credit report with Transunion. I should have gained points not lost points and they are repeatedly doing this. A bill is removed and they are dropping the score every other month by XXXX points instead of my score being at XXXX by now. I dispute it they removed the bill and dropped my credit score. XXXX has my balance at XXXX is XXXX plus XXXX. Balances need to be fixed. XXXX was removed from credit bureau Transunion and not from XXXX also. So it's on XXXX but removed from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/2022 I was sent my comprehensive report, it says my account score is a XXXX, safe enough to open a account now Im receiving emails saying from XXXX XXXX saying I can not open a account because my score is to high risk, whoever I just mentioned its a XXXX which would be perfectly fine and I took a look now its XXXX which puts me back at risk and for what reason? Im being unjustly miss treated and feel as if no one can help me I get referred to early warning then I get referred back to capital one nobody gives me answers nor helps they simply feel like not assisting me and false information is constantly being placed on my comprehensive report. Why would the score jump and change within a span of few months? I being barred from creating a account and its damaging my banking history because of the courtesy of early warning services.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I am writing to formally complain about the excessive late fees charged by MIDLAND CREDIT MANAGEMENT INC, which exceed double the amount of my credit card balance. My original balance was a {$250.00} line of credit. I experienced a hardship and late fees accumulated to more than the line of credit and then the account was passed to a collection agency who is demanding I pay more in late fees than the actual line of credit. This practice violates the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ), which mandates that late fees be " reasonable and proportional '' to the costs incurred by issuers. The CFPB 's recent rule sets a cap of {$8.00} on late fees, yet I have been charged significantly more, without justification based on actual collection costs.