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

On XX/XX/XXXX, check submitted to Capital One, credit department XXXX, NC. I called to ask for an address to send check that was not a post office box and they gave me this address Capital One, attn Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and I sent a check to them in the amount of XXXX to pay account in full with refund to me. As of today, XX/XX/XXXX the check can not be located by capital one credit department. And the credit department employees, and managers don't seem to give a darn about a check that is floating around somewhere out there. One manager named XXXX accused me of not sending check. I called title company that issued check and told them that first check lost and to reissue another check. I now have the new check in the amount of {$8400.00} to send to replace the old check. I want to send the new check registered mail, signed receipt returned to me so that if check is misplaced again, I have a way to track check to see if delivered. I am being told that checks go to payment processing center and they have no live person at capital one credit department in XXXX NC to receive and sign for check. Since the first check was misplaced I and the tile company want capital one to give us the name of person to receive and sign for check they refuse need help will hold check until I get a name and address of the person that is willing to sign for check so that I have a way to tack that check was delivered and stop charging interest on this account because after XX/XX/XXXX whencheck was sent ant it was lost no interest should be charged from that date forward to now thanks you need help immediately as interest charges go up daily with these guys
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, | expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Credit card or prepaid card

Application was denied due to not accepting official documentation from the government. The official documentation requested was 1 primary document in which I submitted an EIN Letter. The application was rejected so I submitted 2 primary documents an EIN Letter and Articles of Incorporation. Those documents were rejected also. They can not give me any information on why official documentation from the government was denied and rejected. I want the credit hit to my credit reports removed right now.
Product: Debt collection

I have been requesting validation since XXXX of this year 2018. I have tried reaching out to all three ( 3 ) credit bureaus and also the creditors requesting validation. The credit bureaus failed to provide me with validation used to verify accounts reporting on their site. I have also reached out to all parties to have them validate the debt. The companies include Synchrony Bank/ XXXX XXXX , and Synchrony Bank/ Wal-Mart . I have asked for something bearing signatures or the original creditors documentation on file to verify that this information is mine or correct. The only thing I have received in return is card statements.This is not right persuant to Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. 

The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive. 
2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.
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 ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, 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 reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b that the 3 bureaus are required to delete any item listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information in my credit report. 

XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was looking through my inquiries and history information when I came across a couple hard inquiries from XXXX XXXX XXXXXXXX  these included XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Citybank. I didn't consent to these inquiries, and have no idea as to why they were all pulled. The 2 times I allowed this was in Summer of XXXX for a XXXX XXXX and XXXX of XXXX for a XXXX XXXX. It lowered my credit by a couple points, which is not much, but still.
Product: Debt collection

On XX/XX/XXXX I was seen at the XXXX emergency department. On XX/XX/XXXX I received 100 % patient financial services through this hospital. The patient financial services covered all dates of services through XXXX. A debt was sent to collections for this DOS. When I contacted XXXX they were unaware of this debt. Upon further investigation, it was found that the ER physician was contracted through XXXX and sent the bill out. When I contacted the ER physicians company and informed them of the patient financial service they told me they were unable to help as they had already sold the debt. ( I received no bill from this provider ). The bill would have been 100 % covered under the patient financial services. I was contacted by XXXX law. I submitted proof of this on XX/XX/XXXX, they did not follow up on this matter. I contacted them again today, to which they told me they need more proof of coverage. Furthermore, an additional debt collection agency has ( ARC MANAGEMENT ) submitted this same debt to the credit bureau, with zero correspondence to me. I contacted ARC and have yet to receive a response. I contacted XXXX XXXX and they were unaware of who ARC management was. At this point I believe my debt was sold to multiple debt collectors whom are all trying to receive the XXXX $ from me. This has negatively affected my credit score. Please help.
Product: Debt collection

15usc1681 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information. 


XXXX XXXX {$290.00} XXXX Status Closed Credit Limit {$0.00} High Balance {$290.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 0 Payment Status Charged off as bad debt Past Due {$0.00} XXXXXXXX XXXX  {$560.00} Account # XXXX Status Original Creditor XXXX XXXX XXXX XXXX XXXX  Creditor Type Collection services High Balance {$560.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXXXXXX XXXX XXXX {$230.00} Account # XXXX Status Original Creditor XXXX XXXX Creditor Type Collection services High Balance {$230.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My automobile I had as a reported repo is more than 7 years old. I tried to receive paperwork confirmation on my original purchase, the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX Every time I had contacted them they could not find my paperwork? Experian has acknowledge this account was verified and verification was provided. I will yield to the amount of the balance, I had argued this before, but gave up. However, I knew this was to drop off of my credit report at the end of XXXX - Now I am complaining about my credit rights. They can not provide me the paper work when this car was purchased or repossessed, now I am arguing they are avoiding my right of the credit statute of limitations. Maybe they can provide you with the information I have requested. Both Experian and XXXX XXXX XXXX XXXX is ignoring proper investigation, and the other no validation of my purchase signature page or repossession paper work with date and driver on duty to verify exact date - For this reason alone, the account should be removed in its entirety as of XXXX XXXX The information was taken from my Experian Credit Report- I have no further information about XXXX XXXX XXXX XXXX XXXX Maybe you will have better luck - I am trying to stimulate the economy but my low score of this matter keeps me from purchasing large items due greater finance charges. I may take legal action of XXXX XXXX if my new home and its interest rate will vary because of this issue. Maybe XXXX XXXX can pay the difference, since they are ignoring my requests. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

If Equifax dont remove this negative inaccurate account from my credit report We are going to arbitration XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Multiple vanilla visa gift cards were purchased. However, upon use 1 card was fraudulently used and the other magnetic strips from the other cards were damaged. Case numbers with pictures are provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX- XX/XX/XXXX of 2024, I was in a back-and forth with a supposed agent that claimed to be from an agency that was giving out large amounts of cash for student debt relief. The agent 's name was XXXX XXXX, and I was introduced to this agent by a person who claimed to be a college friend who assumed the name of XXXX XXXX, XXXX. XXXX XXXX kept pressing me to sent money to at least XXXX different accounts, sometimes in amounts of {$500.00}, and sometimes in amounts of {$1000.00}. Her phone number, by the way, is supposedly XXXX. She had me buy XXXX gift cards that totaled to {$3500.00}, and had me send money to at least XXXX different accounts through XXXX that totaled to {$8000.00}. I am writing to you to see if you can trace these transactions, and if there is any way you can help me recover any of the money. I have kept all of the transactions and receipts, and I have reported Agent XXXX XXXX and XXXX XXXX, XXXX to XXXX and the FTC for scamming.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX U S DEPT OF EDXXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$870.00} DEPT OF ED XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX 'S XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX 'S XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 duplicate Department of Education tradelines on my credit report for the same two loans. I disputed these items with XXXX through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the Department of Education. I completed the Loan Rehabilitation through XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.
Product: Vehicle loan or lease

THE DEALER COMMIT FRAUD AND MISREPRESENT BY SOLD ME A DEFECTIVE PIECE OF XXXX BY HIDING AND RESET THE CAR COMPUTER WHICH SHOWED UP THE SECOND DAY OF PURCHASE. UNABLE TO PAY LOAN OFF FOR JUNK CAR! 
I want to share my bad experience I became a victim of fraud. They misrepresented and sell me a defective piece of junk by remove and reset the fault code pop up in the dashboard. These faults popped up the second day after purchased ( Throttle body fault and car doesn't go above XXXX miles per hour, oil light popping up on and off with disturbing bell sound keep running, ) these faults hides by reset the car computer. From the first day, tire showed low air pressure. They told me we will fill some air then it will be ok and I was convinced but it started appearing every day even fill up an air and the tire was busted in the middle of highway. When I called the service they replaced the tire and showed me remaining tires having nails on it. 
I left car in the dealership possesion and decided to pursue this matter into the civil court for being a victim of fraud. I returned this junk to them. I realized that these people buy cars from auctions and wholesale and there is high risk with these vehicles and once they purchase the pain in the XXXX vehicle then they play tricks to sale. I lost my deposit also because stop making payments on this car my credit is compromised.
Product: Prepaid card

On XX/XX/XXXX I made an online purchase for roughly {$53.00} USD to a local restaurant using an AMEX virtual gift card. The website made an error while checking out and said the payment didn't go through, and to select another form of payment, so I used my personal debit card instead. The next day I went to use the gift card again and noticed there was a pending payment from the restaurant for the {$53.00}. 

I called customer service and they could not in any way understand what happened was not fraud. It was only an error. They gave me a case number and said the process will take nearly 2 months to resolve. 

I checked the gift card recently and noticed the pending payment has been removed. It might have been resolved when the restaurant ran the month-end duties. I called the gift card company back to tell them everything appeared to be resolved and the remaining balance was correct, but they are telling me it will still take another 45 days for the issue to resolve. 

They are not understanding it is not a case of fraud. All that's left on the card is {$69.00} and I would just like to use it and be done with it. The customer service is absolutely awful and of completely no help at all.
Product: Credit card

So first of all, your generalized questions did not fit my situation, the credit card company ( XXXX ) has done absolutely nothing wrong and been very helpful. The problem is with PayPal. 
My mother and I share a credit card. I used it to make a payment on a purchase at a XXXX XXXX, XXXX XXXX XXXX ( phone number- XXXX ). 
Because the name that appeared on the statement was XXXX XXXX XXXX, my mother thought this was some sort of dating site trying to scam us. She called XXXX and reported suspicious activity. I got home from work a short time later, we talked, she learned what happened, and immediately called XXXX back. This occurred in such a short time frame, XXXX had not even cancelled the transaction yet, and allowed it to go through. End of issue. ( PayPal Invoice Number : XXXX ) ( XXXX ID # : XXXX ) PayPal has now kept my approximately {$2600.00} for 10 days now for absolutely no reason. Every time I call them, they claim they are waiting on the seller, or XXXX, or both. I have reached out to both the seller and XXXX XXXX Services ( phone number : XXXX ) several times. Both are unaware of any action they are required to take, both have requested PayPal call them and left PayPal numbers and messages several times, and both have been ignored. No one, including XXXX, understands why or how PayPal is allowed to just keep my money as long as they want, and no one seems to be able to explain to me when they will give my money back. They say they are waiting for the conclusion of an investigation by XXXX, but XXXX has confirmed several times that there is no investigation, and was no fraud. I dont know how to get my money back, I dont understand why they think they are entitled to keep it, I dont understand any of this and I need help. Thank you. XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my credit report with Transunion on multiple occasions over the last three months. 
First I have not received an updated credit report since XX/XX/XXXX file # XXXX. 
I also disputed the following items : XXXX XXXX XXXX XXXX ( acct # XXXX ) which shows 30 days late XX/XX/XXXX which was never late and I provided documents from the creditor showing 20 days late XX/XX/XXXX this item was received by Transunion on XX/XX/XXXX by certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the status of this account showing " included in bankruptcy ''. This account wasn't included in bankruptcy and spoke to XXXX at XXXX XXXX XXXX XXXX and was told this account shouldn't be on my credit report. 
XXXX XXXX XXXX XXXX XXXX ) shows a status of included in bankruptcy, which I have never been in bankruptcy, date closed in incorrect and was closed paid in full on XX/XX/XXXX not closed XX/XX/XXXX. This same account was removed from my XXXX credit report during my complaint with CFPB, complaint number XXXX. 
RISE ( acct # XXXX ) status shows included in bankruptcy and I don't believe this account is mine and has asked for verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was order by the original creditor XXXX insurance on XX/XX/2022 to stop all collection activity with this account ... .the credit agencies are allowing them to report this on my reports ... as by law the XXXX XXXX XXXX never gave me a prior notice that they where reporting this to the agencies,,, reporting this item on my report is a collection activity
Product: Debt collection

XXXX XXXX XXXX charges ( {$1200.00} ) for equipment and final bill. Equipment was returned on XX/XX/XXXX and received by XXXX. Final bill was paid in full on XX/XX/XXXX for {$520.00} rep was XXXX XXXX Confirmation number XXXX. Ability recovery was handling this acct and are aware that its settled. Was settled directly with XXXXXXXX XXXX XXXX XXXX. Disputed with XXXX XXXX who says this debt is accurate and will stay on my credit.