23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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: Credit card or prepaid card

I made a purchase on the XXXX app last year between XXXX XXXX XX/XX/2020 on my Chime Credit Builder Card for {$18.00} but the item ( XXXX XXXX XXXX ) was returned due to the an size issue. I called Chime 's customer service line in XXXX about another issue and the rude customer service agent cancelled my card without my consent. Since the card was closed Chime was supposed to send me a paper check of the returned {$18.00} but it will be a year in XXXX of this year and I have yet to receive my money. I have contacted Chime multiple times since XX/XX/2020 to get my money that is mine. I keep getting the same response that I will receive the check in 8-10 business days via mail. I spend hours on the phone going over the same issue for no results. I know {$18.00} is not a lot but it is my money and Chime has no right to keep it when XXXX has returned my money almost 10 months ago. This is fraud and I do not use Chime anymore due to the lack of trust with my hard earned money. I have sent Chime all the documents requested about the return and Chime has not held up what they are supposed to do by returning my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Experian fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Experian ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX in regards to my credit card running late. First I still have XXXX XXXX XXXX card in which I spoke to them and told them that the person called me from XXXX XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX XXXX back in 2002. XXXX XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.
Product: Mortgage

My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

30+ days ago I called synchrony bank /paypal fraud department at XXXX to inform them a hard inquiry listed on my XXXX credit report do not belongs to me or was made fraudalent. The agent told me they will notify XXXX to delete this hard inquiry.Today I call this bank again to check why this hard inquiry is still listed on my credit report, another agent tell me the same story once again, that they will notify XXXX to get this inquiry delete. I ASK FOR CONFIRMATION NUMBER OR A LETTER AND SHE DENY MY PETITION.
Product: Credit card or prepaid card

I have an account with XXXX. Up until XXXX of this year I have never had an issue until the following month. All of a sudden the autopay feature stopped working so I didnt notice that my payments werent being made, I only found out when a late charge appeared on my credit report. I contacted them about this on XX/XX/XXXX but I didnt receive a response so I just decided to make my payments every month manually which is what I did. 

I found out in XXXX that the app that they force you use to make payments was only simulating a successful payment they never actually took the money so it continued to accrue interest and late fees even after I kept making manual payments. I contacted them again making them aware of my issues even going as far as to include a video of me trying to make a payment and asking them what I should do to get my account current again as there was no way for me to make a payment. I contacted them on XX/XX/XXXX and Ive continued to reach out every other day but they refuse to respond and its is have a heavy negative impact on my credit. Screenshots and video are below.
Product: Credit reporting or other personal consumer reports

Regions has been reporting my transaction history to credit agencies since i opened my account with them. The Law says it is illegal to report transaction history. This is a violation of my rights acourding to the FCRA and the Privacy Act of XXXX. There is a [ {$1000.00} } fine for every transaction reported. Ive also sent a letter and email several times.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXXXXXX lied and stated the following were not be reported on my credit report. 

XXXX XXXX XXXX RESURGENT CAPITAL LLC XXXX XXXX AND RESURGENT were both sent cease and desist letters which ceasing of all communication including ceasing of collections of debts. Proof that XXXX is in violation as well as XXXX XXXX and RESURGENT CAPITAL LLC. 

This is FINAL NOTICE to remove stated accounts IMMEDIATELY! 

If not removed I will proceed with civil action as the same violations keep occurring. 

Companies will be held liable for all damages that have occurred from their failure to adhere to the law and my rights!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was suppose to be deferred until XXXX. Late XXXX XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all XXXX credit bureaus that I was late and it dropped my score XXXX points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay Nelnet {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to Nelnet that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted Nelnet repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Product: Credit reporting or other personal consumer reports

I have discovered that the information being reported on my credit file by XXXX, XXXX, and Equifax is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.
Product: Money transfer, virtual currency, or money service

I am writting to formally express my concerns regarding Zelle 's handling of disputes, particullarly in the light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investegate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFCBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey.
Product: Credit card or prepaid card

I received an email from Chase Ultimate Awards on XX/XX/XXXX saying I had until XX/XX/XXXX to book a flight I had previously canceled. I wasn't aware I had a travel credit until the XX/XX/XXXX email which was 2 weeks before it expired. I followed the link and flights were over XXXX I called the Chase number and spoke with a rep in XXXX for 40 min and the rep told me it was extended out to XX/XX/XXXX and I would receive an email to verify. I received another email today from chase saying credit expires on the XX/XX/XXXX. No email from the previous chase rep as promised. Called back again today, XX/XX/XXXX, spoke with another agent in XXXX and after 30 minute, she confirmed it was good until XX/XX/XXXX. I asked her to send me an email to verify while I was on the phone as the last rep didn't and she said she couldn't send anything and sent me to her supervisor. His name is 'XXXX  '. He told me it was only good until XX/XX/XXXX if I had an XXXX XXXX travel number, which I don't. So both agent gave me the incorrect info and after speaking with XXXX for another 30 minutes, he said as a one time courtesy I could purchase 2 new tickets with the same airline and same passengers, send them to statement and they would credit the difference or just have the entire amount credited. I chose the credit and he said I would be contacted in 14 days with a response. I requested some sort of verification we had this call, some way to reference it and he refused to give me anything but his name, 'XXXX ' and a reference number. XXXX # XXXX Almost 2 hours on the phone and still no actual resolution and highly doubt I'll get an email from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 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
Product: Consumer Loan

I leased a Nissan Sentra for my daughter from XXXX XXXX in XXXX. My daughter lives XXXX The vehicle was registered in XXXX. Nissan Motor Acceptance Corporation paid XXXX State Tax on the vehicle and billed me for that Tax. I live in XXXX. I worked with XXXX and NMAC for several years attempting to resolve the issue. XXXX noted that the issue seems to have been resolved by NMAC. This was in XXXX of 2013. Recently I approached my bank to get a loan to buy out a lease. The loan was denied because NMAC put a note on my credit report advising that I did not pay for these taxes. I am not sure what to do at this point. I have contacted an attorney. He advised that I should file this complaint first, get a number so that we may proceed with legal action against NMAC and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my loan was transferred to new lender XXXXXXXX XXXX XXXX ( XXXX ). XX/XX/XXXX I spoke to a XXXX rep and completed a hardship app via phone. During the call I was told I was approved and my payments for XXXX, XXXX, and XXXX would be pushed to the median of my loan XXXX. XX/XX/XXXX. I was informed that although I completed the hardship app via phone that I still needed to complete a written app. During this phone conversation I informed the rep that I already completed app and was told I was approved. XX/XX/XXXX, XXXX started reporting negative infractions on my credit report. XX/XX/XXXX, I wrote XXXX requesting to review phone call in XX/XX/XXXX of theyre Rep approving me via phone call. During this call I was informed I needed to send in more documents that at no point did they informed me to send. Last XXXX, XXXX denied my hardship app stating I didnt turn in paperwork. I sent a letter XX/XX/XXXX requesting their receiving process because I sent in documents certified mail. I continued to write XXXX XXXX XXXXXXXX XXXX. No response. My last letter I sent I informed them of intent to sue and that due to it being past 30 days without a response, my compliant was valid. I then received a written response back from Presidents office of them finally starting to investigate my situation. In XXXX, XXXX presidents office denied my claim stating their reporting is correct. I wrote them again to request them review the recorded call ( XX/XX/XXXX ). XX/XX/XXXX, XXXX response to the recorded call that occurred XX/XX/XXXX wasnt a approval. 

XXXX is being dishonest to their consumers. I was approved via the call and thn told something completely different. Proceeded need to be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account as open and past due. This account was with XXXX XXXX XXXX and was discharged in a Chapter XXXX  Bankruptcy in XX/XX/XXXX. I have written Experian and followed their dispute resolution system. They were provided with the schedule of discharged debts and the discharge documents. Additionally I provided XXXX with XXXX and XXXX reporting of the account. Experian came back and denied my claim and told me to call XXXX XXXX and provided a phone number. I called that number and XXXX XXXX confirmed that the debt was discharged and told that Experian needs to contact XXXX XXXX. This has all transpired over the last 3 months. XX/XX/XXXX
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 these violations.
Product: Credit card or prepaid card

Ive been trying since the covid pandemic began to get Bank of America to refund the fraudulant withdrawals to my CA edd prepaid debit card in the amount of {$700.00} on XX/XX/19. 
Was assisted by journalists in touch with consumer in similar situations and things were looking promising for the bank to come clean and make the refund. I even got a refund letter saying a refund was being made and they considered the case closed. When no refund was issued I contacted them and apparently because of rampant fraud they had closed my original account and opened a new one, but since the system could not refund into the closed account, I still have had no access to or received the refund that was promised.
Product: Debt collection

Receivable- Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Receivable-Solutions, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Receivable- Solutions has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Receivable Solutions promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Receivable Solutions to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Receivable Solutions , as provided under Section 616 of the FCRA.

Done in good faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Address : XXXX XXXX XXXX XXXXXXXX MA XXXX XXXX XXXX XXXX, XXXX, MA XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a XXXX XXXX card and its only on my Equifax report hurting my credit. We have requested them to remove me but they have not. See attached doc