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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causeing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Patient Fi {$4300.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX. $ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Actions Taken : sent companies, identity, theft, affidavit, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added on report. 

Spoke with representative XXXX XXXX from PatientFi on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so. 

Spoke with representative XXXX XXXX XXXX XXXX from XXXX XXXX XXXX he told me the account was taken out in my name by a XXXX XXXX XXXX. I do not know who that is nor did I authorize them to use my information to take out any type of loan. 

The loan that was taken out were done online electronically from XXXX XXXX XXXX by XXXX XXXX. My name is XXXX, XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my frustration regarding the ongoing restriction on my Robinhood account and the repeated delays in resolving this issue. 

On XX/XX/year>, I deposited {$500.00} into my Robinhood account from my Fifth Third Bank checking account and immediately used the funds to purchase Bitcoin. Shortly after, my account was restricted without any action required on my part. I attempted to contact support but found no available means of communication. My dashboard initially stated that the status of my account would be decided by XX/XX/XXXX. However, on XX/XX/XXXX, the review date was postponed to XX/XX/XXXX, then to XX/XX/XXXX. 

On XX/XX/XXXX, I received an email requesting specific documents for account verification. I provided the required documents, and Robinhood acknowledged receipt, stating that a decision regarding my restriction would be made by XX/XX/XXXX. However, today, XX/XX/XXXX, I received another notification stating that the review has been delayed again until XX/XX/XXXX. 

I am extremely disappointed with this repeated postponement and the lack of transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX 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 an account without my written instructions. 
This account is a fraudulent account, I have been reported this concern to this company and no action has been taken.
Product: Debt collection

I received a free credit report from all 3 agencies. I disputed this information with all 3 agencies. As a result of my dispute, instead of providing prove that this is my debt the company, PORTFOLIO RECOVERY ASSOC. keeps updating info instead of providing proof. This is not my debt, it was someone else 's debt who put me down as an authorized user. That I was not aware of, their debt went into collections and because they can not locate the debtor, they are placing false information on my report. XXXX, XXXX and XXXX  were notified, yet they keep allowing this collection agency to just update instead of removing. When I requested information as to what proof did they provide they all just tell me to contact Portfolio, who  respond to my calls by telling me that if its not my debt they can not discuss the matter.
Product: Money transfer, virtual currency, or money service

I sold my XXXX on Coinbase then transferred the {$270.00} to the cash account then accidentally transferred those funds to a closed XXXX XXXX account. XXXX automatically sent that money back to Coinbase. Coinbase says they did not receive it so the bank gave me a document to show them the transaction and they are still harassing me about it telling me they want an unedited XXXX bank statement showing the date of the transaction until the current date. Well XXXX cant print current statements on a closed account so now Im considering this theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT EXPERIAN REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL
Product: Credit card

I had my credit card at Wells Fargo charged XXXX not my charges. My accounts have been hacked over 4 times since XXXX a the back does nothing ..I will not pay this credit that was fraudulent charged to my account. I filled another one that was XXXX in XXXX nothing resolved back told me to take care off need help ..My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have been fighting issue since XXXX an is XXXX  my fianc.What other agency do I need to help deal with fraud charges. I have all information names of who stole money..
Product: Checking or savings account

I lost my phone on or about XX/XX/XXXX and so I reported it stolen when I got a new phone on XX/XX/XXXX I went to connect all my accounts to a new phone I realized I've been waiting on a deposit from my financial aid and it had got there and all of it was gone so I've reported it to chime and made a police report changed all my banking information as chime requested and they still denied me my money in the end
Product: Credit reporting, credit repair services, or other personal consumer reports

I wan na help Equifax understand how to properly investigate and complete an investigation pursuant to FEDERAL LAW 15 USC 1681a ( e ) The term investigative consumer report means a CONSUMER REPORT or portion thereof in which information on a consumers CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 

Equifax needs to INTERVIEW my neighbors about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 
Equifax needs to INTERVIEW my friends about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 
Equifax needs to INTERVIEW my associates or acquaintance 's about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 

Equifax has Fraudulently reported an alleged bankruptcy on my consumer report, so I'm asking them to investigate where they got this bankruptcy information from? Equifax has now seen how to properly investigate a consumer report pursuant to 15 USC 1681a ( e ). Lets hope they dont break federal law again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX about an auto loan showing in my name that is fraudulent. I tried calling them XXXX times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX XXXX based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth to TransUnion suing for hard inquiries that were on my report. These are incorrect and they were never given my written permission to furnish the information and it has caused my reputation and life harm. The letter was received on XX/XX/2021 and the hard inquiries are still on my credit report as of today, XX/XX/2021.
Product: Debt collection

I requested a debt validation letter in accordance with 15 U.S.C. 1692g, including the amount of the debt, the name of the creditor, verification of the debt, and the name and address of the original creditor, and I sent this request via certified mail to ensure receipt and compliance.

This morning, the company MRSBPO called me despite having received my certified debt validation request letter, which I sent in accordance with 15 U.S.C. 1692g. During the call, they threatened to ruin my credit, and I recorded the conversation as evidence of their actions.
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 platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Debt collection

I, ve sent in a deletion letter for American credit acceptance and I have not gotten a response the inguiry start date : XX/XX/2021 removal XXXX.
Product: Credit card

On XX/XX/2023 I had my wallet stolen which contained my Apple XXXX XXXX. I called Apple, and was transferred to Goldman Sachs who told me that the card was already cancelled, and that I should request a replacement card on my XXXX. As I was traveling at the time, I did not have my XXXX with me, so I waited until I got home to request a replacement. 

On XX/XX/XXXX, I attempted to order a new card via the wallet app on my XXXX, but was unable to do so because the button to request a replacement did not exist. After contacting Apple support, I was told that the case was escalated and that I would hear back in XXXX days. 

On XX/XX/XXXX, I received an email from Apple stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support to check on the status of my request. They then told me that " We have documented your physical card inquiry, and our team will order you a new XXXX Apple Card. '' and that I would receive the card in XXXX days. 

On XX/XX/XXXX, after hearing nothing and having not receiving the card yet, I contacted support again to check on the status. I was then told that " have created an escalation case to get a Physical Card mailed out to you. Please be on the lookout for a confirmation email when the card has been officially shipped. '' On XX/XX/XXXX, I received another email stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support, who then scheduled a call back for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, after not receiving a call back from Goldman Sachs, I called Apple, who then transferred me 4 times, with the final person being a supervisor in the Goldman Sachs fraud department. They then informed me that there were XXXX existing requests for replacement cards, and that the only thing they could do was request another card be issued. 

At this point, I am not sure what to do in order to get a new card issued, and I have no confidence that Goldman Sachs is actually processing my requests for a new card.
Product: Credit reporting or other personal consumer reports

I just recently look at Equifax Credit Report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

1. { XXXX XXXX XXXX  XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 2. { XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 3. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 4. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 5. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b 6. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breach XXXX. Fraud Alert placed in XXXX due to my information being stolen & used. I have worked for 4 years rebuilding my finances, and correcting all the issues this breach caused. I have repeatedly tried to remove the Fraud Alert, when it was pointed out by many Banks, Business 's, this was causing my efforts in rebuilding, to be stopped. Equifax has denied every Bank & Bossiness an actual updated report and current credit score. As of early XXXX, they stopped, all updating and have left my report and score, where it was in XXXX Credit Score XXXX I have fought to get this corrected & Alert removed. But they will not update my Credit Score, from its status in XXXX to XX/XX/XXXX The Alert is removed now, but Equifax is now refusing to finish the process, by actually updating my Credit Score to what it is. It is stopping us from purchasing a home, as we are told " the scores from XXXX & never been updated " .and a Mortgage Company will not accept our explanation, as to why. 
XXXX  is current in every way .... 
The only Equifax CS Person named XXXX and the 2nd person XXXX, have said is " your accounts are all in Good Standing. " I am very well aware of that. Then she gave me this " Confirmation number XXXX " Now, I am being bombarded with Equifax Sales Tactics to purchase their items. But all I want is a correted updated accurate file and current score..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my XXXX XXXX  account early- it was a special kind of savings account that you put money in per month, for a period of a year, being able to withdraw that money once the year was up. I asked for it early as I needed the money. They charge a fee for withdrawing it early which I was fine with, and I initiated the payout process and on XX/XX/XXXX, I got this message in my email : " We've electronically deposited {$75.00} into your XXXX XXXXXXXX XXXX XXXX  account ending in XXXX. Most people will see the deposit within XXXX business days. '' It is XX/XX/XXXX, XXXX days later, nearly XXXX weeks, and I have not seen that deposit yet. They refuse to offer any assistance and have not answered any of my emails. Apparently they are notorious for this, letting people close their accounts and then not making the payout. I am yet another victim.
Product: Credit card or prepaid card

On XX/XX/2018. I am boarding XXXX Flight from XXXX  to XXXX. Ticket is purchased with my AMEX XXXX XXXX Credit Card which printed on my boarding pass. Per AMEX XXXX XXXX Credit Card Terms and Condition which i should entitle ZONE 1 Boarding however i been assigned to ZONE 4 Departure. I have contacted AMEX and XXXX to inquiries about said Terms and Conditions and found out there is no communication between XXXX and AMEX. AMEX is charging {$95.00} annual membership fee and card holder should entitle for the benefits listed on the AMEX Card Terms and condition. however XXXX stated cleared in their the email that XXXX XXXX XXXX ticket holder do not entitle to AMEX benefits. However the said Terms and conditions is not listed anywhere in the cardholder agreement. 

see below from AMEX : Thank you for your continued patience. Please see the following : " Priority Boarding Card Members are entitled to receive Zone 1 Priority Boarding on XXXX flights. Benefit is limited to Basic Card Members ( not Additional Card Members ) with the Gold, Platinum or Reserve XXXX XXXX  Credit Cards. Reservation must include the Basic Card Member 's XXXX number. Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Priority Boarding. Priority Boarding will only be available on XXXX and XXXX Connection carrier operated flights. XXXX does not offer Priority Boarding on XXXX XXXX  flights. New Card Members and Card Members upgrading from another XXXX XXXX Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See XXXX XXXX XXXX for details.
Product: Student loan

i experienced financial hardship during this time I was not able to make payments on my student loan. I follow that directions listed online to call and discuss possible repayment options. I was not offered a repayment options as a result I was 60 days late on my payment. my credit has been deeply affected. My loan repayment options were not presented to me correctly at the banks discretion, I was not offered forbearance deferment extended term repayment or the rate reduction program.