23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX XXXX XXXX does not belong to me.
Product: Credit card

A scammer broke into my Wells Fargo account and did a cash transfer from my credit card. This scammer had an elaborate game and convinced me that he was from Wells Fargo fraud. He said there was a problem with the branches due to an insider taking money. He directed me to deposit the cash advance into another bank account, which he emptied. I understand that, legally, I am responsible as I unwittingly deposited the money. This was a large sum of money. I have never done a cash transfer before. I received a legitimate text from Wells Fargo but was on my phone with the scammer who said we were working on that problem. Interestingly, I did reply to the text later when I realized I was scammed. The scammer replied. I did not follow through with that. Why is Wells Fargo at least partially responsible? The amount was {$XXXX}. The teller didn't say anything about how unusual this was. If the law allows for crypto and bitcoin, why not this situation.
Product: Checking or savings account

Back in XX/XX/year> citibank closed my account for suspicious activity and never did mail me my account balance of about XXXX and something dollars! They now won't talk to me and I've tried calling them 100 times and only for them to give me a runaround.
Product: Credit reporting or other personal consumer reports

I am seeking your help to address the incorrect account that is affecting my credit report. I bring this up because it has caused harm to my reputation, and your assistance is needed. The errors in my credit report management have led to my reputation being destroyed. It is imperative that you remove these false entries from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Debt collection

Specifically, on X/XX/2017, not only did this company harass myself, and my family, but also lied about previously calling, did not verify who they were talking to before divulging information about a debt, threatened to keep harassing my family, and tried to use scare-tactics insinuating they were taking legal action. Being familiar with FDCPA, I called them out on it, at which time, they got belligerent and hung up on me, twice. Once without providing me the information for their company. They also got belligerent with my sister, as well, and personally attacked her while speaking with me, saying she " Was not a nice person ''. The second person I spoke with, XXXX, accused me of falsely identifying myself when I mentioned they had not verified before divulging the existence of a debt. Also, the second guy, XXXX, referred to the company as " XXXX XXXX '', which I do not find - I can only find XXXX XXXX XXXX and XXXX. I do not know which one called. Also, no messages left followed the proper protocol for messages left by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accourdance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 in those account 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 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: Credit reporting or other personal consumer reports

This is to follow up and my Complaint about the negligence of the 3 Credit Bureau. I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the account resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. Please help me correct the account : XXXX XXXX XXXX Balance Owed : {$410.00}.
Product: Credit card

XXXX and American Express publishes a false promotion to compensate {$400.00} flight credit on the first purchase with XXXX and up to XXXX miles if the card is spent for more than {$2000.00}. They do not give any of these reward promotion. They keep scamming the customers and passengers. They should stop this illegal promotion activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies as follows 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
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to dispute inaccurate information on my credit report. The account in question is with XXXX XXXX  XXXX XXXX account number XXXX. After reviewing the reported information, I have identified the following inaccuracies : Account Comments : The account status mentions " First payment never received. '' This statement is inconsistent with the provided payment history, which shows payment activities for various months, including late statuses ( e.g., " XXXX  days past due, '' " XXXX  days past due, '' etc. ). This contradiction indicates that payments were made, and the comment is factually incorrect.

Status Details : The account is marked as " charged off '' with {$660.00} written off but simultaneously reports {$250.00} as past due as of XX/XX/XXXX. If the account has been charged off, it is inaccurate to report additional past-due amounts since the account is no longer active. 

Payment History Gaps : The payment history shows multiple months with no data ( e.g., most of XXXX and XXXX ), making the reporting incomplete and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be complete, accurate, and substantiated. 

In accordance with XXXX XXXX XXXX XXXX, I am requesting validation of this debt. Specifically, I ask for documentation that verifies the following : Accurate payment history and proof of the " first payment never received '' statement. 
Detailed breakdown of the balance, including the {$250.00} past-due amount and how it applies to a " charged off '' account. 
Additionally, under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), I request that only verified and accurate information remain on my credit report. If XXXX XXXX  XXXX XXXX not validate the accuracy of these details, I request the immediate removal of this account from my credit report. 

For your convenience, I have attached a copy of my credit report highlighting the errors, along with my ID and proof of address to verify my identity. 

Please complete your investigation and respond to me in writing within 30 days of receiving this letter. You may contact me at XXXX or XXXX for any additional information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and 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: Mortgage

I was not late30 days on my mortgage with NR/SMSXXXX  they marked me 30 days late on XX/XX/2022. I called them and they were awful to me. I felt very discriminated because of my accent. I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries isted on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX from XX/XX/2018 and XXXX ( XXXX XXXX ) .The credit inquiries is fraudulent and unauthorized.
Product: Credit reporting or other personal consumer reports

I received a letter ( attached ) from AMEX verifying that my account ending in XXXX which corresponds to credit reporting AMEX account ID number XXXX was closed by me in XX/XX/XXXX. I had an ongoing internal dispute with AMEX about this account because when I closed the account I also paid the balance in full and asked the agent at the time to include the delay with processing so there would be no lingering balance. Well a lingering balance of about XXXX cents remained on the account so I then paid that too in XXXX. Then you kept applying inaccurate late payments and fees starting in XX/XX/XXXX which actually makes no sense. I closed the account in XX/XX/XXXX paid balance in full. For the next two months you report paid as agreed in XX/XX/XXXX and XX/XX/XXXX and then all of the sudden in XX/XX/XXXX you started reporting my account again as late even though account was closed and there was no activity on the account and showed paid in full for XX/XX/XXXX and XX/XX/XXXX. So, I opened yet another internal dispute saying this was wrong and to please XXXX  the balance of the late payments and fees starting in XX/XX/XXXX based on the above information. My internal disputes got no where. So, finally I filed a CFPB dispute in XX/XX/XXXX and my account balance was XXXX  but you keep reporting late payments and fees erroneously starting in XX/XX/XXXX. I mean if one simply looks at it logically it makes no sense. The account was closed in XX/XX/XXXX and paid in full. I even attempted to pay a lingering XXXX cents of interest in XX/XX/XXXX. The account was reported as paid as agreed in XX/XX/XXXX and XX/XX/XXXX and then all of the sudden you start reporting late payments and fees although there was no new activity on the account. Please fix this!
Product: Debt collection

First Federal Credit Control contacted me asserting they were the rightful collector of a medical debt I was disputing. 

On XX/XX/2022 I mailed a letter to FFCU by way of Certified Mail, tracking XXXX. That letter was received by FFCU on XX/XX/2022. 

In my letter I requested a copy of the original debt agreement, a verification of debt and itemized statement. 

In a letter dated XX/XX/2022 I received a statement, I never received a verification of debt or a copy of debt agreement. I began to assume I was a potential fraud victim. 

I dispute this debt. I dispute FFCU has any claim to collect even if the debt were valid. FFCU has violated the statutory timeframe in which to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR YEARS Chase has REPEATEDLY been running my credit for a card that I did not apply. I have actually NEVER applied to Chase during the times specified in this complaint nor any other time that I can ever recall. My previous complaints involve at least six different runs from XX/XX/XXXX through XX/XX/XXXX being the last after ( XX/XX/XXXX ) which I received acknowledgement that the runs were fraudulent and that they inquiries would be " masked '' which didn't make me happy but at least they weren't maliciously using it to artificially lower my score so I relaxed a bit. THEN on XX/XX/XXXX I AGAIN received a letter where they had run my credit AGAIN! The faked excused that they used this time were 1 ) too few accounts on file recently. This was a BOLD FACED LIE BECAUSE I ACTUALLY HAD ZERO ACCOUNTS ON FILE! Next was 2 ) Insufficient balance in deposit and investment accounts with us AGAIN FAKE as nobody needs an investment account on file to get a credit card. I have told them REPEATEDLY to PLACE A BLOCK ON ME AND MY INFORMATION IN THEIR SYSTEM!

Apparently, I had an account with Washington Mutual ( WAMU ) and it contains minute residual funds. Chase apparently acquired WAMU in a  merger/hostile take over which gave them access to my identifying information. Instead of Chase sending me a check and closing out the account THEY ARE ILLEGALLY RUNNING MY CREDIT AND CONCOCTING FICTITIOUS REASONS FOR DENIAL SINCE THEY OBVIOUSLY COULDN'T JUST HAVE A CREDIT CARD THAT I NEVER APPLIED FOR SHOW UP! This is apparently being done in cooperation with XXXX and XXXX. The reason is that the name used ( XXXX which as a woman and a SR I've never actually used ) is only shown on my XXXX   report and XXXX was the only credit reporting agency that had a problem removing the fake run in hopes of selling " credit protection ''. XXXX had to be in on this too because their name is being freely used but their website is not if I inquire and get " approval '' they gain fees as I use the card. 

This is my 4th or 5th complaint about this problem and at this point you need to do a public inquiry to see how many other violations are occurring. I may also send out inquiries to the major press organization because I have documentation of these strange goings on THAT NEED TO STOP! MAKE THIS STOP!
Product: Credit card or prepaid card

Americans express card charged my {$500.00} a year with a no limit credit card limit but instead the gave me {$4000.00} spending limit this was NOT they agreed to. I gave demanded a full refund for membership fee for the 7 years but the refused I have been con and discriminated against as other people with the America express platinum card have no spending limits. But I was not given the same treatment.
Product: Debt collection

Me and my husband had this XXXX XXXX credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have Midland Funding llc reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to Midlandto resubmit it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of Lexington Law on a few occasions. I may have used their services in the earlier XXXX ( using an old XXXX email address ), but I have email XXXX correspondence from them from about XX/XX/XXXX - XX/XX/XXXX, and again from about XX/XX/XXXX - XX/XX/XXXX. 

During that time, I paid as much as $ XXXX up front for their credit repair services, with very little results. I subsequently canceled the service because their sales reps kept trying to coerce me to stick with the premium plan. 

Now, all of these years later, Im hearing that Lexington Laws actions were unlawful and that theres a class action lawsuit against them. How does your class action lawsuit affect consumers, like me, who paid out thousands of dollars to Lexington Law?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help