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

The XXXX XXXX  XXXX had to replaced four different times in 2023, due to fraudulent activity three of those times and once when one of the XXXX XXXX XXXX, incorrectly reported one of the new accounts as fraudulently opened. I've had the fourth and final replacemement card and account since XXXX and it's now late XXXX, and the credit line of {$9800.00} has still not been added back in to my total available credit and factored into my average credit age, which would increase it about six months as it's my third oldest account that I've had for fouteen and a half years. XXXX and XXXX still are reporting transactionsnand different closing balances each month, so how could the account possibly be closed if this is happening? Experian doesn't appear to even have the card at all on their report. The statement for the account has closed four or five times since I received the fourth and final replacement card and account number in XXXX, so it's now been in excess of 120 days, let alone 30 or 90. I've spoken to XXXX XXXX, who issues this credit card on at least two ocassions in the past month or two, and they said that they are reporting it correctly and asked the credit bureaus to correct the account status on their reports. My complaint isn't with XXXX XXXX, it's with all three of the creit bureaus for still having it as a closed status, which is wrong, especially when they also report transactions and different closong balances each month, or not having it on its report at all in the case of Experian, when i've had the most recent replacement card and account number more than four months.
Product: Credit reporting or other personal consumer reports

I have 2 credit cards with Citibank. My usage percentages were around 30-40 % at the time. The company dropped my limits causing my usage to raise to 90+ % this is fraud as it is now sending false information to the credit agencies saying my usage is in the 90+ % when it was not until they dropped my score without informing me that they were rerunning my credit. I want to file a class action lawsuit against this company.
Product: Debt collection

In 2017 I was contacted by a company called XXXX about installing XXXX in my home. 

They recommended Enerbank to do the financing, I was told that total would be about XXXX And no money would be paid out until I signed off that the installation was complete. A date was set for the work to be signed off on the day before that date the bank contacted me to sign off that the work was complete. As they installation was not completed I did not sign The equipment was taken off my wall and roof and EnerBank started contacting me for payment on XXXX. I asked them to send me a complaint form to no avail. I was told that they were closing my case. They started messing with my credit, also my wifes credit they have dropped our scores by as much as 30 points
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have no knowledge of debt that collection agency keeps telling me that I owe them. I asked for validation of debt and collection agency keeps sending me a copy of a billing statement. I have asked repeatedly for something more as proof that I owe the debt. Per the FCRA a credit card statement is not validation of debt. This collection agency has 2 collections on my credit report that I have sen tin multiple letters of dispute and proof of identity theft.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed I have an fraudulent account on my report. I am not liable for this debit with XXXX XXXX. I do not have contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. Please remove these accounts from my report they are hurting ability to obtain credit.
Product: Mortgage

I have already submitted a CFPB Complaint that was " closed. '' Please reference Complaint XXXX. In the " resolution '' Specialize Loan Servicing ( SLS ) acknowledged that they would reimburse me for the tax penalties I had to pay out of pocket ( even though they were responsible for paying my taxes that are escrowed ). Since that resolution, SLS has NOT reimbursed said penalties. Even after multiple follow up phone calls, I have not been reimbursed. This issue has now been on-going for 11 months and is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over XXXX days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within XXXX days gives a reason to quickly remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections : 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 Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX, I started a home equity loan with XXXX XXXX XXXX, Client Relationship Consultant, NMLS XXXX, p. XXXX | XXXX. I applied for XXXX, the value of my house is XXXX and my credit score is over 800. I am doing this because I live on a limited income and taxes and association fees keep going up. I am XXXX soon. I have a home improvement lien on my house with the City of XXXX, MN for about XXXX and each year that passes the amount goes down and at some point will be XXXX and forgiven. After all this time on XXXX they sent me this notice, Hi XXXX, Please login and review your Adverse Action Notice. Be sure to review as soon as possible to keep your application moving forward. I logged in and the bottom line is US Bank is saying we can not move ahead because of the loan with the City of XXXX. The City of XXXX is willing to sign papers to take second position on my house, I have talked to them more than once. I also have a line of credit for XXXX, with US Bank with a XXXX balance, which I am willing to close. I did this exact type loan with US Bank 2 years ago with no problems. I feel like their is something fishy going on by them denying me this loan.
Product: Vehicle loan or lease

On XX/XX/2020 I called Navy Federal Credit Union and spoke with a supervisor about late payments reporting on my credit report. During the global pandemic I was granted a forebearance on a vehicle loan while down to one household income. According to the Cares Act there shouldn't be any negative reporting as this account was in good standing prior to Covid 19 pandemic. The supervisor told me that " this is just business '' and " Navy Federal is allowed to report as they see fit. '' I explained this loan was in a modification process however nothing was corrected.
Product: Credit reporting or other personal consumer reports

Experian left a fraudelent address on my credit report of XXXX XXXX XXXX. XXXX, CA XXXX. I have spoken to Experian over a month ago and they couldn't tell me who provide this information. I have also spoke to XXXX and XXXX this was someone attempting to use my credit and to verity a address. I had to put a fraud alert on my credit report because I was getting scam calls. 

Experian refuses to remove this fraudelent address off of my credit report.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( Experian, XXXX and XXXX XXXX ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$8700.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX  XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself by this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Experian doesnt have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

Apple Card GS bank usa I wont close account opened XXXX XXXX XXXX balance XXXX
Product: Credit card

Ive called Ginnys Credit Department over 10 different times to get this issue resolved. Ginnys merged an old account that was discharged in a XXXX XXXXXXXX Bankruptcy to my current, new established account. I am unable to make my regular payments because I can not see my current account nor make my regular XXXX payment because it shows Im 354 days past due. The accounts have been merged together. They keep telling me for the past 2 months they are trying to resolve but today I received an alert that they reported my account past due with the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to XXXX XXXXXXXX XXXX XXXX XXXX XXXX, you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under XXXX XXXX. XXXX ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under XXXX XXXX. XXXX and XXXX. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Received notification from XXXX  that a collection was added for a company by the name of TEK-COLLECT, INC. Never received any documentation about this debt or type of communication period. The notification came through on XX/XX/XXXX, stating a collection in the amount of XXXX and the first date of delinquency was XX/XX/XXXX. No original company information was provided when this alert came through.
Product: Credit card or prepaid card

XXXX  XX/XX/XXXX XXXX charged my amex account {$150.00} twice. Amex allowed this fraudulent post and never flagged these large charges. In previous transaction I've only charged no more than {$60.00} and less yet Amex allowed this suspecious transaction of XXXX through twice on the same day. After flagging these transactions totaling XXXX on amex phone recorded call I was not given a temporary credit. I informed amex that my account was on auto pay and that XXXX would need to be credited to avoid those fraudulent charges from being pd. I truly feel amex is not following reg d a d violating other bank regulations
Product: Debt collection

My family as well as myself is being harassed by a company claiming to be a debt collector. They are claiming to be at my house with lawsuit papers. Claiming to have sent several items to me and havent received anything. They are telling my family all of this as well. The company is XXXX XXXX XXXX XXXX. They are claiming I owe an astronomical amount of money for a bill I did not pay. I called and requested documentation on the money they claim I owe and havent received anything. Very aggressive on the phone. Telling me they are suing me one minute and going to help me the next. All while I am repeatedly asking for proof of this debt I do not know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraud to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed charges on what was to my knowledge a ( closed card ) The charges totaled {$430.00} The charges stemmed from XXXX I had an identity theft report, I had an agent as well as an FTC report XXXX 
I disputed unauthorized charges on a card from XXXX XXXX XXXX 
I spoke with the fraud team to dispute the charges and had confirmation from the agent that the card was indeed closed so i am not aware how the charges were made. 
The agent explained while I was enrolled in the credit protection, they reopened the card. 
This was done without my knowledge. 
However they provided a provisional credit, Next, i requested they close this card, send a new one, I pay my bill for the month as I await my new card to be shipped. 

As i receive the new card, I realize that they reversed the provisional credit from the fraud in which i was supposed to be 0 % liable. 

They also waited until after i paid my bill. 
This was unethical, I reported this to them, they sent me a charge from XXXX {$19.00} A charge from XXXX XXXX to some unknown name {$120.00} I never made a prior purchase or any from the merchants " XXXX or XXXX XXXX 

I redisputed the fact that they reversed my provisional credit. 
They provided me a letter showing something was ordered and shipped, i have no order I received in my building, also, I have that XXXX XXXX charge that they only provided the transaction details from XXXX XXXX  No where in those details does it support or show that they can hold me liable from fraud from a compromise from unauthorized charges. 


I already established with the fraud agent when making the report for dispute XXXX that I hadn't used my card in entire XXXX  year going all the way back to when I enrolled in credit protection program, That is when the card was closed. 
They had a discrepancy on their end, reopened the card, the lost card which was reported was used. 

I am disputing this {$12000.00} & {$19.00} totaling {$140.00} this has been causing financial burden This has caused my credit availability to change This has dropped my credit score this has caused overwhelming issues. 

I am reporting XXXX XXXX XXXX their practices of false misleading assurance is wrong. 
They are not doing their part for the consumer on the card and services they offer. 


I reported this to all the bureaus I reported the fraud to FTC