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

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

in reference to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence datedXX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

This is a follow up to complain ID XXXX. I have reviewed Wells Fargo 's response and I disagree with their assessment. They are asking me to provide proof of a {$280.00} taxi ride which I did not and could not have reasonably received. If a scammer is intent on robbing someone, they are not going to give evidence to the victim. That would be equivalent to a robber leaving their name and number at someone's house after stealing from it. 

Additionally, I have asked for the recorded transcripts numerous times and have received nothing. Why is that? I reported the scam the exact day it happened, hence why my card was turned off on that day. I was told on the phone this charge would not go through, yet it did anyway despite it being in pending status when reported. Please provide all the call transcripts that I've had with your fraud department, especially including the day of the scam.
Product: Money transfer, virtual currency, or money service

I am writing to formally address two serious issues I have experienced with Cash App platform : 1. Unauthorized Sharing of My Personal Information : I recently discovered that my personal information was shared with a third-party company without my consent. This is a clear violation of my privacy and trust as a user of CASHAPP service. As per CASHAPP stated policies and applicable data protection laws, I expect transparency and accountability regarding how my information is handled.

2. Denial of Fraudulent Disputes : In addition to the data breach, I encountered fraudulent activity on my account and promptly reported it. However, my dispute was denied without sufficient investigation or explanation. This leaves me not only financially impacted but also deeply concerned about the security of my funds on your platform.

I request the following actions : A detailed explanation of how my information was leaked and the measures being taken to prevent future breaches.

A thorough investigation into the fraudulent activity and reconsideration of my dispute claim.

Appropriate compensation or resolution for the financial and emotional distress caused by these incidents.

I trusted that CASHAPP would handle this matter with the urgency and seriousness it deserves. Since they failed to address my concerns it left me with no choice but to escalate this issue to regulatory authorities and consumer protection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and XXXX. These schools took out loan amounts that were more than the cost of school. 

XXXX keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Asking for two credit card debt which were involved in Fraudulent Activity and reached out but the company never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST CHECKED MY CREDIT REPORT FOR THE FIRST TIME IN A WHILE I HAVE LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE MY PAYMENTS ARE DEFERRED SO I SHOULD SEE NO LATE PAYMENTS REPORTING FROM XX/XX/ AND XX/XX/ I HAVE FILED A DISPUTE NOTHING HAPPENED.
Product: Credit reporting or other personal consumer reports

purse was stolen from gas station ; credit cards were used. Unauthorized charges due to theft.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. 

INQUIRIES : XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed a number of fraudulent charges on XX/XX/XXXX with Chase that my mother had illegally put on my account. They claimed I recieved the benefit of all transactions when it was clearly not the case. I didn't recieve the benefit of XXXX work paid for on XXXX and XXXX of this year. I even contacted the XXXX and told them that the charge was not legitimate. 

I didn't recieve any benefit from a balance transfer off my mother 's credit card that I didn't authorize on XX/XX/XXXX I didn't recieve the benefit of XXXX purchases made on XXXX and XXXX. I don't even know what was purchased. 

I didn't recieve the benefits of XXXX separate transactions to XXXX for XXXX XXXX tokens in game. A game my mother plays obsessively. 

Essentially every charge on this card from XXXX of XXXX onward was not authorized by me, I did not give anyone permission to use it, it was done fraudulently and now Chase wants me to foot the bill for a crime I was the victim of. I filed a police report earlier this month, I reported fraud to all of the credit bureaus XXXX I'm supposed to.
Product: Money transfer, virtual currency, or money service

I received as payment in a legal settlement a personal check from a bank of america account holder. In an attempt to cash the check immeadiately i drove XXXX miles from my home to the nearest bank of america in XXXX texas who then refused to cash this check because it was over XXXX dollars and i was not an account holder. I then spoke to the bank manager i explained to him i had numerous things waiting on the money from this check, and that it didnt seem reasonable to me to be expected to open a bank account at a bank that doesnt have a branch in the town i live in. He restated the tellers statement but offered to convert the personal check to a cashiers check for me and then charged me XXXX dollars for the cashiers check. After receiving the cashiers check i asked if this check was good at any bank of america and the teller said yes it was. i then asked her to cash if for me and she once again stated that it was against bank policy to cash a check over XXXX dollars for a non account holder. I feel that bofa ' s refusal to cash their cashiers check violates banking laws. I suffered a business loss, an untallied amount of money due to check cashing fees and prepaid debit card use fees, not to mention my valuable time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$9400.00}
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have requested over and over how and why numerous disputed items are NOT being investigated as opened through a data breach. I have provided numerous items for the companies and Equifax, XXXX and XXXX continue to report information inaccurately, constantly saying its not their job to look deeper into my disputes. They accept information from companies, where its been validated that computer generated investigations took place, even after I asked them to look deeper. XXXX, Equifax and XXXX are violating 15 USC 1681 b ( 2 ) and they know it.
Product: Debt collection

I was made aware of a judgement back in XXXX because this company tried to garnish my wages. It was a default judgement as they were sending all comminution to an address I have not leaved at in 9 years. The company was made aware of the wrong address and this being a fraud. I provided them with a police report and also filed out the fraud packet provided by them. I have requested all documents and never provided anything. I requested them multiple times. I have not heard anything about this debit and assumed it was closed due to fraud. Now 7 years later they with no other communication they are trying to garish my wages again for a fraudulent account. 

I have called multiple times no one answers the phone. 

i have attached the paperwork and police report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I disputed an error on my credit report with all of XXXX, XXXX  and XXXX  in regards to a Discover account showing in collections and at times as a open account on my credit file. On XX/XX/XXXX XXXX  and/or Discover confirmed this was an error and removed the account completely. I assumed this would follow suit with the other bureaus and did not look much into it until now. The Discover account is still reporting open and changing sometimes to a closed collection account massively affecting my XXXX  and XXXX  scores ( over 100 points! ). Although I have disputed with the bureaus I am unsure if this is an error made by Discover or an error made by the bureaus. I have attached screenshots from XXXX XXXX, XXXX and XXXX all confirming removals and inaccuracies. Please help.
Product: Bank account or service

Twice for the last two years I have gone into Bank of the West at XXXX XXXX XXXX, XXXX XXXX, California XXXX to claim my trust/inheritance and the same bank informed me that such an account does not exist. My account is currently inactive and sits within the above mentioned Bank of the West within its own account under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not liable for this account, it is littered with inaccuracies. I have sent a letter to Equifax on XX/XX/2022 requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX ) is reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous account and have it removed.
Product: Money transfer, virtual currency, or money service

I Was supposed to receive a settlement of XXXX $ from a settlement reached due to a violation of Illinois XXXX lawsXXXX XXXX XXXX  XXXX XXXX XXXX They claimed to have sent out the money on XXXX XXXX but as of today, I have not received anything in my paypal account. Whoever I contact through email has the same cookie cutter answer that it has been sent, however I have no record of this transaction from my XXXX statement from paypal. In the attached email the final accounting from PayPal is stating that I was able to cash the deposit even though clearly nothing has come in.The attached summary is for the month of XXXX and cleary has no deposit of any type for anything at all. The email I attached as a screenshot says that it was paid in full however it can Clearly be seen it hasn't been.
Product: Money transfer, virtual currency, or money service

My account appeared to have multiple IP addresses. Binance US. Froze my account. I have been trying to prove that I am the owner of that account. I proved with video, ID, and selfies. I have been able to buy and deposit dollars. I have not been able to transfer anything out of my account. I am not able to log on and see my account.
Product: Vehicle loan or lease

Hello, I sold my car and called Chase bank in advance to inquire about the steps. Specifically, they advised me that title release should take 3-5 days, and I should have the buyer cut one check to pay them off and a separate check to me for the car equity. The buyer decided to use wire transfers so I asked Chase for wire instructions. The whole purpose of a wire is that funds are available to the bank immediately. However, Chase bank ( I even asked a supervisor ) insists their policy is to hold funds for 3 to 5 business days. Now I have a buyer who is upset because Chase is delaying the process to gain title to the car ( per State of CT procedure, Chase holds car title until loan satisfaction ). Also, they didnt properly explain that it would be 3-5 days to apply funds and additional time to clear the title.
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX I received an email from XXXX that my account would be deactivated if i did not confirm my account and login. Without thinking this was fraud, I IMMEDIATELY responded to the email. After responding to this email, a transfer in the amount of {$220.00} was done to someone by the name of XXXX XXXX. Leaving me with only {$0.00}. As soon as I noticed the transfer, I IMMEDIATELY contacted Bluebird American Express in regards to this unauthorized transaction and entered a dispute with an agent over the telephone on Sunday, XX/XX/XXXX. During the dispute, they adviced me to send the email that I received in regards to the scam ; I forwarded the email to XXXX ( I will attach a screenshot of this original email and the forward i sent ). However today, Monday, XX/XX/XXXX I received an email stating the dispute was declined and my account has permanently been suspended. I then called account services and told them what is going on and they mentioned that the account being closed is permanent, however they will try escalating the issue and see if they could credit me the money back.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681b ) FCRA 611 ( 15 US CODE 1681i ) FCRA 609 ( 15 US CODE 1681g ). 

According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), your collection attempts on these accounts withoutproper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. i am a victim of multiple data breaches which is a result of identity theft i an disputing the inclusion of inaccurate and fraudulent information on my credit report, as outlined in the attached documentation in accordance to FAIR CREDIT REPORTING ACT ; SECTIONS 609, 611, 623 i an requesting the immediate removal of all unverifiable, inaccurate, fraudulent, outdated, incomplete information these errors are adversely affecting my creditworthiness and do not accurately represent my credit history, please conduct a reinvestigation and provide documentation of the disputed items being removed promptly from my credit report. I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed discrepancies in the reporting of several accounts, particularly with balances exceeding original credit limits, and I request a reinvestigation. Below are the details : Accounts in Dispute 1. XXXX XXXX BANK ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$21000.00} Original Credit Limit : {$20000.00} Status : Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. Reason for Dispute : The balance exceeds the original credit limit by {$1900.00}. I request a detailed explanation of how this amount was calculated, including a breakdown of all fees, penalties, and interest applied. 
XXXX XXXX XXXX  ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$16000.00} Original Credit Limit : {$16000.00} Status : Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$360.00}. I request documentation supporting this amount, including any fees or charges applied. The balances and statuses reported for these accounts do not align with the original credit limits, creating potential inaccuracies. If the discrepancies are due to added fees, penalties, or interest, I request validation and documentation of these charges. Under the FCRA, credit reporting agencies and creditors are required to report accurate and verifiable information. If the balances or account statuses can not be verified, I request their immediate correction or removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX both continue to report an inaccurate account under my personal profile. 

I have tried several times to dispute this account as being inaccurate, yet they continue to report same. 

The data furnisher ( XXXX XXXX ) continues to furnish information reporting a collection under a name which is not my name. I have supplied their only proof of this and shown that this name they are reporting this account under is not my name, it is inaccurate and thus needs to be deleted from my personal account per the laws of the FCRA that govern the credit reporting bureaus. 

In my letter to XXXX XXXX dated XXXX XXXX I requested the validation of the debt they were claiming, and there were supposed to provide me with the below - 1 -enough proof that the debt was rightfully mine. 

2 -proof that you own this debt with a clear title of the debt. 

On both of these requests, they failed to provide proof in their response letter. 

Instead they provided me with a contract of a debt they purchased for a business loan ( not a personal loan ) and one that does not bear my name. 

May I point out to you that in response to item number 1 - the name on the contract they provided to me is Definitely not my Name. it is Inaccurate information, and I do not go by that name. 

Therefore, I am requesting that this account be removed from my credit profile with immediate effect. XXXX keeps reporting this account regardless of several communications with them which i have been document stating these inaccuracies. 

they are violating my rights and laws under the FCRA laws.