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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an American Express account ending XXXX in my XXXX credit file XXXX As result, XXXX disputed the payment history. XXXX responded on or around XXXX XX/XX/XXXX claiming AMEX verified the prior payment history was being reported accurately. AMEX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. AMEX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which AMEX would then be able to charge-off an account. Moreover, if AMEX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect AMEX to furnish information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, AMEX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history AMEX provided indicates. It shows the status first reported XX/XX/XXXX. Just because AMEX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. AMEX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. XXXX has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation XXXX can provide that argues false/misleading/inaccurate data is " accurate. '' Now, XXXX claims in the response they provided non-monetary relief, claiming " XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then XXXX would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. XXXX has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.
Product: Mortgage

I received an adverse action notification. I did not " apply '' for a loan, only made an inquiry about rates. The agent said he would do some investigating on how he could get me a better rate. He made several attempts to contact me but I did not respond because we were not prepared to move forward with his company. A few days later I receive an email an adverse action notification???
Product: Debt collection

On XX/XX/, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
Product: Debt collection

Ive recieved multiple calls from this company threatening me, called my employer. They left personal information on my voicemail and my old employers voicemail such as birthdate, last 4 of social. Threatened to have my license suspended and take forceful action
Product: Checking or savings account

I paid a instant deposit fee to XXXX XXXX to send money immediately to my Ally bank account. Only to find out that my deposit is being held and not released by Ally. I am paying for an instant deposit fee only to not have my deposit instant .I spoke to two reps about this issue only to be advised that i would receive my deposit the next day by XXXX. So I paid a fee for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit card or prepaid card

I am extremely dissatisfied with the way billing disputes of Barclays Bank ( XXXX ) handled my situation. On XX/XX/XXXX, I called and had an agent who tried to assist me with billing dispute in regards to goods that were not received. I let them know that I paid for multiple transitions but no product was provided. 5 day later I received 25 letters in mail stating that my cases got denied because of the merchants cancellation policy. I did not need to cancel anything, I was telling the agent that I did not receive custom product. I then ( on XXXX, XXXX ) faxed my supporting letter about the transaction and stating that I did not receive the product. I received 5 letters that 5 cases were resolved in my favor, latest being case # XXXX for {$9.00}. On XX/XX/XXXX received multiple letters dated XX/XX/XXXX for cases XXXX, XXXX, XXXX stating that bank is unable to pursue credit due to REASON UNABLE TO ASSIST. This is very disappointing and dissatisfactory. I do understand that we are in the pandemic and bank is short staffed, but there is has been a zero attempt to help me in this difficult time. The cases have not been properly investigated and no merchants have been contacted to address the situation or no response was received. I would like action to be taken and assist me with all the disputes that have been opened/closed.I feel am being discriminated against and no investigation being done in regards of the services that were not provided by the merchant. Up until today I received very little help from XXXX from Office of the president ( XXXX ext XXXX ) who closed the complaint case, stating that she saw some policy on the website, with no specifics.
Product: Credit card or prepaid card

I have repeatedly filed complaint with CareCredit re interest rate. I have not used the card for two years and yet owe more today than two years ago. There is something seriously wrong and must be illegal with this practice.
Product: Credit card or prepaid card

I got the Pre-approved credit card via Citicard XXXX XXXX. However, when I submitted my application I got the application declined with the reason some collections involved in my credit reports. I worked with the collection companies and paid all collection off as Paid Off with XXXX balance. After two month with paid off my collections I could be able to obtain a Credit card from XXXX XXXX XXXX. However, as a XXXX member over 10 years, I would like to reapply the Citicard XXXX XXXX again so I can get the benefits from XXXX Member. I got declined again with the reason : " Too few satisfactory credit references were recorded on your credit bureau report. '' Citi card used XXXX to check my credit history. I have a copy of 3 credit Bureau, all three report I have NO collection. All past collections are paid off with XXXX balance for last 3-6 months. My question is why Citi card sending me the Pre-Approved application for what? I believe I deserve an approved card from Citi XXXX XXXX. I read online review, many people with active collections still got approved from Citi XXXX XXXX, why not me?
Product: Credit card or prepaid card

I opened this card to get 2 free weekend nights. I made the necessary spenditures on the card but never received my free weekend nights at XXXX.
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, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

the company is still reporting old addresses and info on my credit report i sent a update. how am i suppose to check my mail if they send it to a mailing address i dont live at?
Product: Money transfer, virtual currency, or money service

I am filling 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 Electric 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, credit repair services, or other personal consumer reports

the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of 18 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g
Product: Credit reporting or other personal consumer reports

I'VE SOME RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX {$350.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Equifax is denying me my free credit report and stating I already recieved a free credit report within the last 12 months. I have not recieved a credit report nor requested XXXX within the last 12 months. Additionally, I tried to place a fraud alert and was denied this request as well stating more information is needed to verify me thus delaying and possibly causing more fraud on my credit report. Equifax systematically frustrates any attempt to gain access to a credit report and place a fraud alert on it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted PHH Mortgage /Ocwen Loan Service . We asked them to supply us the direct phone number to Ocwen Financial Service in XXXX XXXX XXXX FL. 

We got an email back from PHH saying they are looking into my request for the phone number. 
Looking into my request it should be here is the number or no we will not give you this number. 

PHH ombudsman XXXX XXXX sent us a letter also XXXX.We will review issues raised. We were looking for a phone number is PHH stalling us or is this some sort of humor to them. 

Mr.XXXX  XXXX is representing PHH he sent us a letter dated XX/XX/2021. Another letter XX/XX/2021 that he represents PHH and then on XX/XX/2021 he says his firm acts for PHH and XXXX XXXX XXXX XXXX XXXX trustees. 

Nowhere do I have in writing that Mr.XXXX represents Ocwen Financial Corporation. 

We received an email from Mr. XXXX saying you will not be getting a phone number for Ocwen Financial Corporation and I also represent them. 

on XX/XX/2021 I sent Mr.XXXX email for him to show me authorization he represents Ocwen Financial Corporation. 
My request for proof was denied. 

We feel Mr.XXXX should produce authorization in writing why would he not? 

Respectfully, XXXX 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 extremely unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under 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: Student loan

Called EdFinancial on XX/XX/2022 to request a refund per the CARES Act. I provided all the requested information. The customer service representative stated that a request was processed and I should see my balance change and a refund in 6-12 weeks. She stated she could not provide confirmation of the request when I asked multiple times. 

Via Chat XX/XX/2022, I asked for confirmation of the request and was told they could not provide confirmation. My account balance has not been updated and I have not received a refund. 

Called EdFinancial on XX/XX/2022 and was hung up on when I requested verification that my refund request was submitted.
Product: Mortgage

Short Sale was started XX/XX/18. XXXX XXXX had requested some documents and they were sent to him multiple times. XXXX XXXX never uploaded anything we submitted on this file. In fact, nothing has been done on this file in over a month. It was not submitted to underwriting to start the waterfall process ( for retention review ) until we finally got a manager involved. 

We re requesting the file to be reassigned to someone who will actually work on the file and will communicate with us in a timely manner.
Product: Checking or savings account

As stated in prior CFPB complaint, I've sent a dispute letter via fax, postal mail, as well as email most recently regarding information needed for dispute ID XXXX, I was sent a letter on XX/XX/XXXX which I replied to and provided same information again.. In total, numerous letters provided, Citibank dispute dept claims non-receipt of these which is suspicious. I spoke with a Citibank rep today, he claims a letter was received on the XXXX of XXXX as well.. I provided information pertaining to dispute and the merchant appears to be a scammer as the charge, {$160.00}, was declined on merchant end supposedly, funds taken regardless ... I've message the merchant via secure message, no reply and no direct email or number to reach ... This transaction is a scam and again, I've provided this info numerous times, Citibank claims either non-receipt or needs additional info which I am not aware of and have no such additional information to provide other than what is in letters sent prior ...
Product: Credit card

This past week XXXX week of XX/XX/2024, I have been getting calls from Comenity Bank stating that I am overdue on my payments from my credit card, then proceeded to ask which credit card because I do not recognize opening up a Credit card, the person I spoke to says it was in regards to an express credit card. Ive been stated that I never authorized or have opened up express credit card. I also went on my XXXX XXXX app and saw that there was a credit card opened up, fraudulently under my name. When I got a piece in the mail concerning this credit card, I noticed that whoever opened up this credit card used my identity. I have XXXX government last names, and this credit card only has my XXXX last name XXXX. I do not know who opened up this card because I did not open up this card myself I do not even shop at this specific store. I have been contacting the fraudulent department under XXXX XXXX. Regarding this issue, but they stated that I needed to have a document to prove that this was an act of fraud.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XX/XX/XXXX XX/XX/XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XX/XX/XXXX 2. XX/XX/XXXXXXXX