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

U.S. Code Title 15, Chapter 41, Subchapter III, Section 1681i is specific to the Fair Credit Reporting Act ( FCRA ) and outlines the procedures to be followed by credit reporting agencies when handling disputes regarding the accuracy of information in a consumer 's credit report. It has been more than 30 days.

Section 1681i sets forth the timeline and requirements for conducting investigations and resolving disputes. Specifically, it states that : 1. Within 30 days of receiving a consumer 's dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information.

2. The investigation should include reviewing relevant information provided by the consumer, communicating with the furnisher of the information ( e.g., the creditor or collection agency ), and verifying the accuracy of the disputed information.

3. If the investigation finds that the information is inaccurate or can not be verified, the credit reporting agency must promptly delete or modify the disputed information from the consumer 's credit report.

4. The credit reporting agency must provide written notice to the consumer of the results of the investigation and any actions taken to modify or delete the disputed information.

5. If the consumer 's dispute includes supporting documentation, the credit reporting agency must consider that information during the investigation.

6. The credit reporting agency should provide the consumer with a free copy of their updated credit report if changes were made based on the investigation.

If the credit reporting agency fails to comply with the requirements of Section 1681i, it may be subject to penalties and potential liability for damages under the Fair Credit Reporting Act.

By referencing 15 U.S. Code 1681i in your dispute letter, I am asserting my rights under the Fair Credit Reporting Act and requesting that the credit reporting agency adhere to the appropriate procedures to resolve the dispute within the prescribed timeframe. 


Name of Account : 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 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  ] Thank you in advance for your help.
Product: Checking or savings account

I have the checking with bank of the west, and I saw the unauthorized transaction be withdrawed at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> amount of {$900.00}. I came to Bank of the west location at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and told them that it was not mine and this was unauthorized transaction. The bank refunded money for me but just a several days, they took it back and said this transaction is valid and the withdrawer they used the pin # the same as mine. I told them it was not mine and i still have my debit card in hand, but they still deduct {$900.00} in my checking account. I already have the police report but they do nothing so I would like to submit my case so you can help me to get my money back. 
I have the police report in my hand and I can submit if you needed.
Product: Debt collection

XXXX XXXX XXXX, XXXX, RCS AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX Go Financial has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Checking or savings account

Navy federal has been found guilty in the court of law for charging returned item fees on atm withdrawals which I make making my balance lower which in fact made me miss my subscriptions which each one each month they would bill up to XXXX  times unsuccessfully causing XXXX dollars per subscription. It continued even after I told them to do stop payments on all subscriptions. Atm overdraft when I had money continued. So did returned item fees eating some of my taxes and or corona checks over the course of years. And now tells me they won't settle it in house. And I'm very upset.
Product: Vehicle loan or lease

Toyota Financial Services sent me a bill for my monthly payment. It was over my current monthly payment, so I canceled the one I had scheduled and scheduled a new payment that would cover the cost. TFS states I canceled my payment for XXXX, when it was for XXXX when I originally canceled it ( see attachment ). TFS charged my bank account for both payments ( {$400.00} for XX/XX/XXXX and {$450.00} for XX/XX/XXXX, a total of {$850.00} ) instead. I attempted to reach them through their customer service, which was no help, as it continued to send me back to the original automated message system. I contacted XXXX XXXX, who said I could contact TFS through their website. However, I have heard nothing back and my bank has put a NSF fee on my account. I have never had any problems beforehand, but I am very careful about how much I pay and when.
Product: Debt collection

I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX degree. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted Capital One and they have confirmed that I XXXX XXXX XXXX have never had an account with them and Capital One does not know why XXXX XXXX XXXX XXXX IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED XXXX XXXX AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT XXXX XXXXXXXX XXXX DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A XXXX  CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.
Product: Debt collection

I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the contract I signed with them. I asked for documented proof, such as a contract with signature, for the alleged debt that they state is mine. I have received no proof as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the State of Texas. I have not received that either. It's been almost 2 months.
Product: Credit reporting or other personal consumer reports

TRANSUNION is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent TRANSUNION written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Product: Debt collection

violated the FDCPA by knowingly attempting a judgment 14 years old. Expire statue of limitations on judgment. judgment date is XXXX XXXX, 2003. did not renew judgment on or before 10 years with the clerk of the court records office. misrepresenting the amount due. Filing an inaccurate amount due, not considering prior payments on judgment. Contacting my job calling my employer of my work status of a time-barred, zombie debt. Abusive debt collection after 14 years judgment is dormant, time-barred taking me back to the courts knowing the judgment statue of limitations has expired and harassing me getting my present employer involved in a lawsuit that is now dormant. informing third parties about my debt who is my present employer. failing to provide verification and continuing to attempt to collect debt when it is disputed by customer. Failing to disclose that judgment is to old to be legally enforced. Threatened to garnish my pay check knowing the statue of limitation has expired on the judgment,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to the credit bureas Experian and XXXX  disputing the validity of In accurate items on my credit report they sent me a credit report on XX/XX/XXXX stating " The company that reported the information has certified to Experian that the information is accurate ''. This information was not reported to Experian nor XXXX XXXX per attatched letter I sent from the Bankruptcy Court.

According to the FCRA the credit agencies are to report accurate information being reported to them. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 ( 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.
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 anc address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 violations.
Product: Student loan

I am enrolled in the PSLF program. I ended employment with XXXX XXXX, a nonprofit in XXXX ) on XXXX/XXXX/2018 and used the weekend to move to Oregon where I began employment with the State of Oregon on XXXX/2018. MyFedLoan is telling me that since my auto payment was made on XXXX/XXXX/2018 I technically was not employed by either organization and my payment will not count towards PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to strongly dispute the fraudulent items on my credit file, and I demand their immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate, and their presence is causing significant harm to my creditworthiness. I am demanding the immediate deletion of the following items off of my Credit File as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX US DEPT ED XXXX Balance : {$3100.00} XXXX US DEPT ED XXXX Balance XXXX {$460.00} qt DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} US DEPT ED XXXX Balance : {$6800.00} XXXX US DEPT ED XXXX Balance : {$7200.00} XXXX US DEPT ED XXXX Balance : {$3900.00} XXXX US DEPT ED XXXX Balance : {$6700.00} XXXX DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized : 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a wire transfer from my XXXX  checking account ( account number XXXX ) to a roofing contractor ( XXXX XXXX ) in the amount of {$5200.00} to his Cititzen 's bank account that I had sent transfers to in the past ( the XXXX transaction ID was XXXX ). The account number for his checking account at Citizens Bank was XXXX and his routing number was XXXX. When I sent him the confirmation information he informed me that the account had been closed. As a result, I sent a wire recall request to My Bank ( XXXX  ). The next day, XX/XX/XXXX, I called Citizens to request they return the funds. At Citizens ' customer service representative 's request, I added my contractor to the phone call and he authenticated ( SSN and security questions ) with the customer service representative and informed them that he had closed the account- this was confirmed on the call. 

My wire recall request details were finalized on XX/XX/XXXX and, over the next 3 weeks, XXXX sent several requests to Cititzens to return the funds since they had been sent to a closed account ( which, per above, had been verified with my XXXX on XX/XX/XXXX ). 

On XX/XX/XXXX, XXXX ( my bank ) informed me that Citizens would not send back the wire since they had " RECEIVED A POSITIVE RESPONSE FROM OUR CUSTOMER PLEASE HAVE REMITTER [ me ] CONTACT BENEFICIARY [ my roofing contractor XXXX XXXX ] DIRECTLY TO RESOLVE THIS REQUEST ''. However, they are telling my bank that I have to do something over again which has already been done. 

Just to verify that my contractor did not take the funds and lie to me, I made an attempt to deposit {$2.00} into my contractor 's checking account at a Citizens branch on XX/XX/XXXX. The teller at the Citizens branch was not able to complete it since the account had been closed- which they confirmed for me. 

Based on the information above, Citizens bank is unjustly keeping the funds that I have wired to a closed account from me and failing to return it to my bank ( XXXX ) and me.
Product: Credit reporting or other personal consumer reports

Automotive Credit Corp is reporting a loan as mine that I never cosigned for. It is my sister 's loan. I've tried to get it off my credit report, but they refuse. The debt is over 7 years old, to begin with.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received my Social Security direct deposit into my Dave account ending in XXXX the next day XX/XX/XXXX at around XXXX oclock I had gotten an email from their support email saying that there was suspicious activity in my account and there was going to be a temporary limit on what I can do While they investigated 45 minutes later there was another email saying that they were closing my account with my funds in it for good, and I was not eligible to be able to reinstate my account either, and they did not have to provide me any explanation as to why, and they were not responsible as to the amount ofany funds that were returned to me by check. I have been asking when they are sending me my money and why they just decided to do this to me after two years. All I did was transfer half of my check into my external bank account which I always do and then I come to find out on XX/XX/XXXX. My direct deposit for my child support sent from the family support registry was disbursed to my direct deposit account on file which is the Dave account ending in XXXX had accepted that incoming direct deposit on XX/XX/scrub> 2025. I have a trace ID, and disbursement history statements from government agencies, so why is a closed account still excepting incoming direct deposits??? This is fraud and I can not get a hold of anybody from Dave except for via email every for a few days but its never anything helpful to what Im asking all in all I am out {$1400.00} my entire months income.
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) 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 XXXX
Product: Checking or savings account

On XX/XX/XXXX I arrived to XXXX XXXX for an vacation, when I arrived I unpacked and got an taxi to go to an ATM to get some cash out, but the driver had other ideas in mind. He took me to an empty building where they were other people there waiting and had guns with them, they told me to get out and give them everything I had on me, they took my phone, wallet and car keys, they asked for my passcode for my phone and ATM debit card pin, I gave them all of that. I assumes I would be let go but they followed me and force their way in my XXXX and stayed with me during my whole time in XXXX. Chase denied my claim because they stated that I didnt contact them as soon as my card and atm pin was stolen but the people that did that was with me the whole time and I couldnt possibly reach them. Second they said I shouldnt have gave them my pin, they basically told me I should have risk my life instead of my giving them my pin. And lastly they said there were no transactions after my card was closed but I told chase that the people was with me until I left back to the states so they will know when to stop using the atm card. Chase did not gather my full story, the reasons why they denied absolutely made no sense and chase approved one transaction that the robbers made an food delivery for XXXX $ but they didnt approve the XXXX $ Of atm transactions the robbers did in front of me. I felt chase only approved the lower amount because it was lower, Chase banking didnt protect me. They didnt care what happen to me. It was really disappointing and saddening.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Services Address : XXXX XXXX XXXX XXXX, SC XXXX Account XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Peachtree Corners, GA XXXX Dear Credit Collection Service I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card

I have been in a dispute battle with chase over a billing error for a few months now. It started when my husband and I purchased a XXXX  ( not the dipsuted charge ) for an oil change, making it free. The oil change groupon included free tire rotation and inspection. We dropped the truck off and all seemed fine, we then got a call that during the inspection they found a problem that would cost ~ {$2500.00} to fix. We declined the fix and they said they'd continue the inspection. They called back later stating there were more problems found and it would be ~ {$7500.00} to fix the entire truck. We declined and said we just want the oil change and tire rotation done. When we arrived they told us our total was over {$300.00} dollars. When we asked what for as we already used the XXXX  for the oil change they said it was for " diagnostic fees ''. There was no mention of this fee in verbal or written agreements that were signed. They told us they could not hand the keys over until the fees were paid. 

The charge was on XX/XX/XXXX of XXXX  for {$310.00}.