23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Freedom Chase interest free credit card in late XX/XX/2024. I was immediately approved. The balance transfer amount was for {$3100.00} to XXXX XXXX XXXX. I assumed that the transaction was made. I received statements from Freedom chase with a {$3200.00} balance - the transfer amount along with the transfer fee ; however, I was also getting statements from XXXX XXXX XXXX  with no transfer balance applied. My husband and I started calling both companies and after several conversations, discovered it was Freedom Chase Visa that failed to pay the transfer amount. In other words, I have been paying both cards- one XXXX XXXX XXXX for the amount I owed them and to Freedom Chase for nothing!!! I have asked my card be canceled and be reimbursed and it is always the same- " It will be taken care of in 10 to 12 business days. '' I want this matter resolved and I will never apply for a Chase credit card again! 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a Fruad account and unauthorized inquiries appearing on my credit report.
Product: Debt collection

Troy capital LLC is attempting to collect a debt and filed a small claims lawsuit for an incorrect amount. I do not have a contractual agreement with Troy capital LLC, I have no knowledge of this debt with Troy capital LLC or what they paid to purchase the debt. My payment of this amount {$5900.00} to Troy Capital LLC will not correct the negative on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX  XXXX XX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are XXXX, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a credit inquiry was done on my credit through equifax mortgage services and I have not done any business with equifax or applied for any mortgages through equifax. I am not sure why they are assessing my credit but i did not give them permission to inquire of my credit for any reason and especially not for a mortgage. I havve never owned a home and have not applied for one through equifax. I didn't even know that equifax offered mortages. I have fraud alerts on my credit file with all 3 bureaus and it appears that equifax may be committing the fraud. their system is now even asking me questions about me having a mortgage when i try to verify to release the freeze on my credit file but i have never had a mortgage. It have issues verifying when equifax riggs up my credit file to keep me from utilizing it when i need to release the freeze from my file.
Product: Money transfer, virtual currency, or money service

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 caused significant inconvenience and financial loss, and I seek appropriate redress for these volition
Product: Credit reporting or other personal consumer reports

I have an update to date police report on file with Chex Systems. The following bank accounts thats currently listed and showing on my Chex Systems consumer report # : XXXX is fraudulent bank accounts and the fraudulent accounts dont belong to me : XXXX XXXX XXXX  XXXX XXXX {$970.00}, XXXX  XXXX XXXX XXXX XXXX {$780.00} and XXXX XXXX XXXX XXXX XXXX XXXX {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2013 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2013.
Product: Checking or savings account

My account was compromised about a year ago. I started seeing charges from XXXX, I contacted cash app support and they put a block on XXXX, and refunded some of the charges. I started to see charges again in XXXX but they were blocked. Then in XXXX I started seeing charges from XXXX  that was going through, and also some other charges that I didnt recognize. I contacted support again, they denied several claims from XXXX saying that I made those charges, which is false, and also their is a block on my account. Ive sent in proof of all these things, but cash app seems to be using Artificial Intelligence programs to handle these sorts of things which doesnt work well. I am behind on a lot of bills and incurred lots of late fees because of this. I havent been able to put the rest of the items that was unauthorized transactions because cash app closed my account for making false claims. The transactions happened in the month of XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion  15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 of crimes which antedates the report by more than seven years.

15 U.S.C 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g CODES STUDENT LOANS 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I checked my transunion report and noticed a unauthorized/fraudulent inquiry from XXXX XXXX XXXX XXXX I checked my XXXX report and noticed a unauthorized/fraudulent inquiry from XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

Purchased a vehicle in 2018 and loan is through Consumer Portfolio Services. A {$12.00} fee was charged monthly for every payment made. I noticed they just reduced this fee this year to {$4.00}. So for 5 years I have been paying an additional and unnecessary fee which amounts to a significant amount of money. I would like them to reimburse me for the significant amount of money charged for absolutely no reason.
Product: Debt collection

No money owed to this company trying to dispute the valid of this debt. I have current coverage thru the parent company. I dont owe any coverage amounts
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX, and my XXXX is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX/ TD Bank {$330.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over XXXX security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last XXXX yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Equifax about by credit information having been stolen from their companies records/databases. I visited their website to place a temporary freeze on my information that is maintained by their companies and once entering my information as they requested I received a 500 error ( process not available ). So, I also can not freeze my information with them today. XXXX/XXXX/XXXX. I also visited their website and they asked me to wait until XXXX/XXXX/XXXX to utilize their monitoring alert program. I do n't know if I would like them to monitor something they should have been protecting to begin with. 

It seems that Equifax is trying to get me to buy more protection from them.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XX/XX/20, {$420.00}, notified XXXX XXXX XXXX numerous times explaining this policy was never agreed upon nor did I sign any documents to start an insurance policy they said they would take care of it. The way they took care of it they sold my information to a debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Regrettably, XXXX has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each of these accounts, I dispute the accuracy of the reported information and request the necessary corrections to be made on my credit report. The details of each account are as follows : XXXX XXXX XXXX XXXX  : XXXX erroneously reports that this account was late. However, I have never been late on any payments for this account. I request that XXXX corrects or updates this inaccurate information on my credit report accordingly. 

XXXX XXXX XXXX : This account does not belong to me, and I have no association with XXXX XXXX XXXX. Therefore, I request that XXXX removes this account from my credit report, as it is inaccurately listed.
Product: Credit reporting or other personal consumer reports

These late payments do not reflect my usual payment habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are reporting bankruptcy filings on my credit file.they do not contract with the bankruptcy courts. i asked where they gathered my information from, they refused to say. i asked who it was stole my information, so that i could sue them, they refused to give info to me. I asked where is the Law the code, that allows them to steal my information, place it in my credit file, without a contract with me, without my consent, and all 3 bureaus have refused to provide this law. i asked the bankruptcy courts, the code, the law, giving me them the authority, to take my information, profit off of it, without my consent, they can not provide this law. the credit bureaus are doing ultra-vires acts, no authority from Congress, its Frankenstein running the show. can anyone stand up to these giant corporations that abuse the american people.
Product: Debt collection

On today, XX/XX/XXXX, I, XXXX XXXX XXXX received a notice dated XX/XX/XXXX from Santander Consumer USA , Inc. The drafted correspondence is not a mutual agreement that XXXX XXXX XXXX and Santander USA have. The letter suggests that Santander Consumer USA , Inc. has the vehicle XXXX XXXX XXXX reported as lost or stolen in their possession. Given that the events that caused XXXX XXXX XXXX to report the vehicle ( XXXX XXXX XXXX XXXX ) as lost or stolen occurred on XX/XX/XXXX and this correspondence is drafted as XX/XX/XXXX, it can be ascertained that by the many miles away Texas is from Virginia that Santander does not have this vehicle in their possession as suggested. 

This correspondence further goes on to say that Santander Consumer USA may take action against me if they do not get the money they are requesting from a sale. All statements in this Santander Consumer USA XX/XX/XXXX correspondence violates any and all agreements XXXX XXXX XXXX has with XXXX XXXX, XXXX XXXX XXXX, and XXXX ( Power of Attorney ). Therefore, XXXX XXXX XXXX is prohibiting XXXX XXXX XXXX or any other affiliates from aiding Santander or their affiliates whom they are indicating that they may have to pay by providing a key, tag ( s ), title, or otherwise because it violates the agreement ( s ) XXXX XXXX XXXX has with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. 
The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.
Product: Credit reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Student loan

I applied for my loans to be consolidated in XX/XX/2022. During the wait, I was making payments to XXXX in XX/XX/2022, and XXXX XXXX totaling {$6400.00}. In XXXX, I received a letter stating my loans had been consolidated. However, the payments were not reflected and I received the letter after the appeal deadline to address the incorrect balance. I was told by Aidvantage that they sent over six consolidation payments when I only had five loans in repayment at XXXX ( one loan was paid off in XX/XX/2022 ). However, XXXX claims they received five payments and never received a payment for the loan I paid off. I contacted Aidvantage, XXXX, and XXXX XXXX times over the past three months to inquire why my payments weren't reflected in my current consolidated loan balance. Each time I spoke to each servicer, they informed me it would 30-45 days for the balance to reflect. However, Aidvantage and XXXX do not see any payments I've made and it's been over 45 days. XXXX stated they sent the payments over in XXXX. I only see {$50.00} payments and not anything totaling {$6400.00}. It's been 90 days since my loans were consolidated and my loans have still not been corrected.