23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, XXXX or Equifax credit bureaus can provide an explanation of the factors that influenced such a significant change.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with your handling of my previous disputes regarding a fraudulent account on my credit report. Despite my repeated efforts to have this issue resolved, the fraudulent account continues to persist, and I am left to bear the consequences of your inaction. 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
I demand immediate action to rectify this ongoing issue. You have had ample time to investigate and remove the fraudulent account, yet it persists on my credit report, damaging my creditworthiness and causing me undue financial harm. This continued negligence on your part is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to first MidAtlantic Finance Company and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at Midatlantic who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report. 

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX AND XXXX REPORT TO ALSO BE REPORTED TO MY XXXX REPORT.
Product: Debt collection

On XX/XX/2017 i had a bill go to collections due to not being able to pay it with XXXX XXXX XXXX  XXXX Oh XXXX XXXX XXXX XXXX Oh. A year later i paid the bill and had a balance i did not know of since no one ever contacted me about it. I called XXXX XXXX to see if it was paid and they said i owed a balance of {$45.00}. So i paid it then and was told that it would be updated in XXXX account or removed from my credit report. The item was removed from XXXX XXXX and XXXX but not XXXX for some reason. For the last year and more i have called XXXX XXXX and Merchants Credit XXXX the reporting Company to have this updated or removed and each time they told me that i still owed it. I informed then that i have proof that i paid it from my checking account and i will send them a copy of it to show it was paid two years ago. 
My girl friend even said its only {$70.00} and she would pay it. She paid it with her account and according to her bank the money was put back into her account. Yet they told her that it bounced which was not the case. 
I then contacted XXXX XXXX who is a Attorney used by XXXX XXXX and myself to look into it. He sent them the copies of my checking tp show it was paid and they said it is not. and to this day it is still showing that i owe {$70.00} to XXXX XXXX when they themselves said i have a zero balance with them.
Product: Debt collection

Portfolio Recovery Associates has resumed trying to collect on a debt that was successfully disputed and found to not belong to me. Today, they have resumed calling me trying to collect on a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The account is Also closed but remains visible and harming my credit score
Product: Checking or savings account

On XX/XX/2018, i saw an unauthorized transfer from my checking account to an unknown number for the amount of {$1000.00}. I immediately went to the chase bank closest to me and tried to stop the transfer. The person who helped me called the fraud department and tried everything she could to help me stop the transfer which couldn't be stopped. The fraud department assured me they would conduct an investigation regarding the transfer, advised me to close my account and open up a new one and in the mean time they would provide me with a credit. A few days later i go to the bank and ask about the investigation and the credit, and they informed me that they didn't find any fraud activity on my account, which meant i wouldn't get my money back. Even though I didn't authorized this transfer and did a police report for grand larceny. I tried multiple times to fix this problem with the bank and the claims department. One time i even had a super visor tell me that i had to proof that the transaction wasn't me. Please i am in need of your help, that money was a refund check i received from the government to buy my books for the semester, and now I do not have the funds to buy any of my books.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. Dept of ED/XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  These accounts have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions or crimes which antedates the report by more than 7 years.

15 USC 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 reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Account Name Account Number XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation out come to be sent to my address I put on the from area. Thank you for your time and help in this matter
Product: Money transfer, virtual currency, or money service

hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide Thank you XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Did a deposit XXXX  XX/XX/XXXX. at XXXX at ATM Citibank branch in XXXX XXXX XXXX XXXX Florida XXXX Because branch was closed I did the deposit for a total of {$9500.00} USD with this brake down - Deposit of {$7500.00} USD with XXXX bills of {$100.00} USD but the ATM only counted XXXX, when I noticed the mistake I cancel the operation in order to get the bill backs but money was not back. So I decided to continue with the deposit of XXXX bills of {$20.00} USD for a total of {$2000.00} USD this was ok. 
Also deposit 3 checks that were ok. ( for aprox XXXX USD ) When notice the mistake I waited at the branch to be open, thinking that they will check the ATM and find out that ATM did not count the XXXX bills of {$100.00} USD. but was told that need to report this claim over the phone. I did it sent the information requested ( copy of the deposit, letter with all the story ) I have received 2 letters from bank telling me that " can not verify deposit '' and need to send information again. So after 15 days, 3 letters to Citibank to different cities ( do not understand why different places ) with all information requested, 6 calls nobody can answer me.

Citibank for SURE can verify that money should have been inside the ATM at the time of making the cut at night or next days. IF they audit this specific ATM ( they have the ATM # ) will find the discrepancy in the ATM. 
Please to the people that would like to make a deposit thru an ATM try not to do it with a big amount, because bank just " wash their hands ''
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified by XXXX XXXX XXXX that my XXXX access which was the primary benefit of this card would be significantly reduced beginning on XX/XX/XXXX. The Annual Fee for the American Express Card is {$550.00}. The terms of the card have significantly changed, and I was not notified within 45 days as required by the Credit Card Protection AcXXXX of 2010. Additionally, significantly reducing the primary benefit of the card while continuing to charge an annual fee of {$550.00} is unfair, deceptive, and affect commerce.
Product: Checking or savings account

I contacted Chase bank on at least two prior occasions within the last year, advising them not to pay charges when there are not enough funds to cover them in my account. They continually explain it 's there policy if it is a recurring charge. However, I personally do business with other banks that do not pay charges when there are not funds available, no matter what. I believe Chase uses this practice to justify charging overdraft fees. My account is currently overdrawn due to a charge XXXX, I contacted chase to ask them to reverse the charge, they requested additional information that would take time to process, instead of reversing the charge immediately, like they 've done in the past. This is an extreme inconvenience, as my account is currently showing a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX loan XXXX was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX Experian responded back on the dispute stating XXXX XXXX reported the balance is still owed. 
I spoke with XXXX at XXXX XXXX collections, XXXX. She stated that they are allowed 8 days from time the debt was paid to verify it was and 30 days to update the report on the credit bureau. 
The balance is updated on XXXX and XXXX, but as of XX/XX/XXXX Experian responded again to my filing a dispute stating the balance is still owed. This a a violation of FCRA to inaccurately report a consumer 's debt owed/paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX XXXX XXXX accounts showing on my report, when I reached out to XXXX XXXX to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the XXXX XXXX Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Student loan

I have been denied twice for the XXXX XXXX XXXX XXXX Program. My servicer, FedLoan Servicing, claims I am not a " Full-Time '' employee of my employer, XXXX XXXX XXXX XXXX XXXX, in spite of the fact that my employer has twice certified I am a Full-Time Employee. Thus far, I have retained an attorney, who sent them a letter over 30 days ago, but they still have not responded.
Product: Debt collection

Victoria secret is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within XXXX XXXXays. It has been over XXXX  days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Money transfer, virtual currency, or money service

Money order in the sum of {$1000.00} dated XX/XX/2016, mailed in the XXXX ( New York ) found to be stolen and cashed at the XXXXXXXX XXXX of XXXX with no legible sender and recipient. 
All efforts to have it refunded proved futile and looks XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX on XXXX XXXX XXXX, XXXX NY XXXX with the contact XXXX XXXX XXXX not capable of refunding the money for onward payment to the XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX NY XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I recently received a credit report after being XXXX  XXXX  XXXX and to find out all these fraudulent accounts have been added to my credit profile please remove of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}
Product: Checking or savings account

I been a XXXX with Webster bank now for years and a month ago I had a name change. Well I didnt go to my normal bank I went to XXXX XXXX branch. I passed my XXXX  and debt cards which was my old one. I stated heres my new one I had a name change. She refused to give me my old card back also my XXXX and new debt card after I was looked at like I wasnt a member of their bank. Well I left and next day go to use my card at atm and my account has been closed with my permission or any explain! I am very upset
Product: Checking or savings account

I was in the hospital for an extend amount of time. before my stay in the hospital I made sure that my account was active and that no charges would go though on the account. When i was gone various charges where made by one merchant, XXXX which bypassed my instructions to not give me any overdraft protection and deny and charges when funds are not in the account. XXXX transaction are not covered because it was a ACH transaction and the protection that was given was only for credit card charges and this was not explained to me. Now I have over {$200.00} in fee 's on my account.
Product: Checking or savings account

My American Express checking account is in MY name Only. NO Authorized users! I had already rented a vehicle. My husband went online and rented a vehicle in His Name and used My card to pay for it. I called XXXX within 15 minutes and told them to cancel that car, that my husband is unauthorized to make purchases. They put a note on car not to release it to him. They refused to refund me even though it is my account And it was not reserved in My Name. I called Amex 4x to dispute this. The XXXX XXXX rental company is nothing more than snakeoil salesman. 
Look up their social media reviews they are horrible. I gave them a bad yelp .so the owner went to XXXX XXXX instead of yelp and told me he would make it right. That was a lie. He kept arguing with Amex that it was a No Show charge. Lie again. Try to email them the emails would not work. I have proof of XXXX report and bad emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit card

I was told that because I always paid my entire balance and in the unfortunate event of having two automatic payments returned, they just decided to close the account. After learning about the payment return, I always fixed the problem immediately, and they also profited from me every time. It cost {$35.00} each time, which happened about six months apart. Also, I am concerned that this will cause damage to my credit score. I have this card for a while. Another concern is that the company never mentioned in their bill of rights that they would close your account if you had a payment returned by your bank. This is a trap, the same deceptive practice used by the former GE.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Clock, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective effective measures to prevent and address fraud on their platform., leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptable, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a caller-ID blocked call. The voice message stated that I needed to call XXXX regarding notice XXXX and to contact XXXX XXXX. I called the number back and was told their company was ARA and Associates, XXXX XXXX XXXX, XXXX, VA, and that their only phone number was the one listed above. She was very rude and stated that I would be charged with " issuance of a bad check '' and " theft by deception ''. I asked for verification of the debt and was told it was mailed in XXXX 2015 and they would not send it again. 

They also contacted my ex-wife of 20 years with the same notification number and threat. 

I have no idea what this is regarding and have found other, similar complaints regarding this phone number.