23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, XXXX made a fraudulent transaction on my account. I submitted a complaint to XXXX, and they assured me that they would refund my money. However, I have not received any response or credit. Following this, I submitted a formal complaint to XXXX XXXX XXXX customer service, but I have yet to receive an answer or a provisional credit during the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY XXXX REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX
Product: Credit reporting or other personal consumer reports

I started my investigation on my credit report back on XX/XX/XXXX. I submitted my letters to the credit bureaus and have attached a copy showing that I had requested to have the collection accounts removed. I had sent the information through priority mail next business day and they received it as of XX/XX/XXXX. I had also requested to have incorrect names and addresses removed from my report. XXXX never responded to my initial claim, Experian never responded, XXXX sent me a letter confirming the activity on my account on XX/XX/XXXX but never ran an investigation on my report. I sent a second letter asking to for an investigation to be completed back on XXXX XXXX 30 days later. I got a letter from XXXX on Monday the XXXX of XXXX saying they had completed my investigation and they had not seen fit to reopen the investigation. They have updated the results of their investigation to remove one collection account for XXXX. To date the other 2 bureaus have not removed anything. I had 4 collection accounts registered to my name ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  ). I also had incorrect spellings on my official names and in the letter I sent them it shows my official address that I have lived in for almost 4 years. I can verify the data they have on my names and addresses are incorrect. I have asked for statements or documentation proving the collection accounts are valid and have yet to get any data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom.com put a negative mark on my credit for payment return from my bank. This was in 2021 during covid and I did explain to Nordstrom at the time that my bank card had fraud done so my bank put a stop on payments and Nordstrom happen to be one of them. This happen twice. Each time I let Nordstrom k ow what was going on and when bank was cleared I did make the payments. Nordstrom still put this on my credit and refuses to take it off. I want this off my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App-failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX  filed with enhanced recovery collection opened on XXXX XXXX 2020 for {$510.00} with the address of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX filed with XXXX XXXX  opened on XX/XX/2020 for {$1100.00} with the address of XXXX XXXX XXXX XXXX. apt XXXX XXXX las XXXX XXXX XXXX neither of these addresses or accounts are mine and are a result of fraud. i have never lived at either of these residents. I have disputed both of these claims with XXXX. I have also called and notified both companies. I have also filed a police report # XXXX
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX I forwarded correspondence demanding that you block and delete fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Transunion data breach, and my personally identiable information was compromised, leading to unauthorized accounts being opened in my name.

THIS IS MY SECOND formal request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the TRANSUNION data breach, and my personally identiable information was compromised, leading to unauthorized accounts being opened in my name.

The fraudulent accounts in question are as follows : Account Name : 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 XX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written conrmation from your office once the fraudulent accounts have been blocked and removed.
Product: Credit card or prepaid card

CareCredit is charging a " card security fee '' monthly that I did not authorize.
Product: Debt collection

A debt I owed was referred to this company. I have no record of them trying to contact me directly. They sent a server to my mom 's house and I had to call and wait on hold for hours to track down someone who could tell me what it was for. I was able to pay off the debt in full over the span of less than a week ( final payment XX/XX/07 - over XXXX week ago ). I was told I would receive a paid in full letter within XXXX hours. It has now been over a week and I have called again, sent an email, and am currently on hold to request again. 

This company uses very aggressive tactics and they already tried to serve me and take me to court once so I am understandably very concerned they're withholding this legal document. In Utah the law is they must provide the letter within XXXX  days. It has been XXXX with no progress. 

Until I have that letter, I'm in a constant state of anxiety waiting for a server to show up, or my paycheck to be garnished because so far all this company has done is show they are extremely aggressive and can't keep their word.
Product: Credit reporting or other personal consumer reports

RE : XXXX, TransUnion, XXXX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages. 

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.
Product: Credit reporting

XXXX XXXX XXXX collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on Equifax , no date on XXXX and XX/XX/XXXX on XXXX for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is another report regarding credit acceptance corp so I asked them for the original contract they never sent it to me they sent me aone sheet of paper with a signature and not the signatures to the original contract which my name on the file was XXXX XXXX not XXXX XXXX XXXX it's a defamation of character the dealership sent me a fake contract to my house with fake signatures and credit acceptance corp sent me one sheet of paper when I asked for the original contract and I had a claim number through XXXX XXXX XXXX already that the insurance company should have paid for the car it should on all three bureaus o. My credit report as paid or it should not be on there at all I tried to fix this several times this is indeed fraud and XXXX also shows on my insurance paper my name that was on the original contract that's defamation of character I already have a claim number from XXXX insurance company through my legal sheild attorney so to be up on my credit report as a balance that's not paid is illegal and is violating my amendment rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( TransUnion, XXXX  and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Product: Credit reporting or other personal consumer reports

My personal information was leaking in several data breaches. As a result, my information was misused.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in several fraudulent accounts and inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report as they are not authorized by me : Fraudulent Accounts : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} 4. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} 5. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} 6. XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Fraudulent Inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting

I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX/Medical Assistance Program, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX/Medical Assistance XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at XXXX Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XXXX. The reason why this is important is because during the time when my Managed care coverage had been canceled from XX/XX/XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX/XXXX/2015. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.
Product: Credit card

Went to all XXXX XXXX of XXXX for service. they have advertising for " XXXX XXXX ''. applied and approved. couldnt use card. XXXX limit. card would not work. come to find out they let their account lapse. hit on my credit due to negligence on their part. no resolution.
Product: Checking or savings account

After opening up my account and getting approval NFCU closed my account with no explanation.
Product: Debt collection

PROVIDIAN BANK has been exercising threatening actions against me and has contacted my employer on XXXX different occasions stating they were going to deliver a summons that required my signature. This first occurred on XXXX XXXX, 2024 with XXXX XXXX XXXX XXXX XXXX ), on XX/XX/XXXX with XXXX XXXX XXXX, and again yesterday XX/XX/XXXX with another female representative I spoke with today who stated she was with a company called XXXX. Her phone number was XXXX and the reference number is XXXX. She advised my HR contact at work that legal documents needed to be delivered to my work address. When I spoke with her today, she stated they would be sending forms to my employer to garnish my wages. When I asked about the date of debt for this account she stated it was from XXXX, XXXX and and was charged off on XX/XX/XXXX/2000. 
XXXX has been practicing fraudulent methods to harass me by contacting my employer over an old debt. I feel like my rights have been compromised and I wish to pursue legal action against them. Please advise. I am seeking monetary compensation and any court fees associated with this activity.
Product: Checking or savings account

So my chase, XXXX XXXX XXXX XXXX got closed and I am not able to open up another bank account im not sure what happened with XXXX but it was a fresh account. 

My chase Ive had for about XXXX years some people dropped about XXXX stimulus checks ranging from about XXXX and XXXX my account and then they had closed my account and i am now not able to open another bank with chase I had to open up a XXXX XXXX due to them closing my account and someone had told me that they were going to send me XXXX dollars through XXXX so XXXX could cashapp them and went through with it not knowing it was a fraudulent transaction until about a week later when I was not able to use my XXXX  XXXX and I called the bank asking them why and they had told me the sender put it in a claim saying it was fraud so they had closed my account
Product: Money transfer, virtual currency, or money service

The platform is crypto.com they keep having problems and accessibility issues. and keep saying accounts are under review denying access to peoples money and screwing up transactions. Every time we try to get our money back they say the account is being reviewed. Its a continual problem, and it keeps disrupting the ability to do business by withholding a consumers money
Product: Checking or savings account

The credit deposit that was supposed to go to my account was not the same amount on my transaction list. It was like I got robbed because both parties was saying two different amounts. Us bank was the bank I had a checking account in. I have also been having bad experiences with companies that was my idea and then someone goes open them up but I seem to be the crazy one when I mention it and confront them or tell authorities about the the I see and hear. I've also worked for some of those companies too.
Product: Checking or savings account

The first time in approximately 7 seven years I recently had {$900.00} worth of Transactions done in 24 Hours on my Account. 
This has never happened since I have been with the company. 
I'm a XXXX Military XXXX XXXX  Veteran, I live in XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I only performed about {$400.00} Worth of Transactions. 
I filed an Affidavit, Called everyday and they still haven't given me a Provisionary Credit as promised. 

I'm having to Beg for Food, Nothing to Drink, and things are being shut off. 

It's Direct Express XXXX XXXX. 
Please, don't let these people starve me out when in approximately 7 seven years I have never had a complaint with the or no one. 

I shouldn't have to Beg after serving this Country Honorablely. 

Please Help!
Product: Credit card

My name is  XXXX   XXXX  and I have reported m y Tjmaxx Master ca rd lost/stolen back in  XXXX   XXXX . I have paid my valid balance and closed this account. I have received a letter after few days that they approved my fraud claim and removed all the charges. Now all of a sudden I have received an email in  XXXX   XXXX  that I still have a balance of some {$2100.00} . ( cr edit card ending  XXXX  ) When I called Tjmaxx credit card, I was told that they have denied my claim back in  XXXX . This is so unfair and I want them to disclose all the investigation as I do not agree with their decision. It is on my credit report as a negative factor and I want this to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct reasonable 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 Experian, Alleging systematic issues, such as failing to forward consumer provided evidence to Furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian neither corrected nor removed disputed items. I am requesting immediate corrective actions to remove or amend the disputed XXXX Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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