23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Transunion didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Money transfer, virtual currency, or money service

Memorandum To : Cash App From : XXXX XXXX ( XXXX XXXX ) CC : CFPB ( Consumer Financial Protection Bureau ) file Date : XX/XX/XXXX Re : Refund for Unauthorize charges made on Cash App Account Mr./Mrs. Representative : On XX/XX/XXXX. XXXX at XXXX XXXX I initially advised Cash Support team of unauthorized charges. 
In XXXX I was instructed to reach out through my app concerning this issue, and I did. 

On XXXX XXXX I was advised that Cash App Support team would respond quickly concerning this issue.. 
It wasnt until XX/XX/XXXX at XXXX XXXX I received e-mail from cash App Support Team indicating they had found a {$5.00} transaction from XXXX XXXX cash card on XX/XX/XXXX. However, never really informed me of what transpire with the establishment ( covering who, what, when, and why ) this charge took place ; at the same time recommending disabling reissuing my card through the app. nor a refund from the establishment or a credit to my account, or even finding out the establishment information, because I dont have that information. 

On XX/XX/XXXX cash App support team closed my case with out solving the issue as to unauthorize charges. 
On XX/XX/XXXX at XXXX still have the same issue as before still not resolve. Im still getting unauthorized charges, especially 3 times or 4 From XXXX XXXX XXXX XXXX card.These charges started XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There 8 charges on this day, and each charge was {$5.00} per charge ; coming from the same establishment ( XXXX XXXX, XXXX XXXX XXXX  ) totaling {$40.00}, and you mean Cash App Support team are unable to make contact and refund my money that was taken from me? 

As a consumer I'm not being treated fairly in the financial marketplace ; pursuant to enforcing federal consumer financial laws, which holds financial service providers accountable for their action. 

I should not have to jump through hoops to be refund money that was taken from Me, and I should have a contact number to speak with a representative. 

Respectfully submitted
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

In XX/XX/XXXX, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to prison for XXXX years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. 

They then passed the account to a collection agency. They continue to report an open account, past due, each month. 

Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? 

It is the only negative left on my credit report. I could get a fresh start after spending XXXX years in prison on an illegal sentence as ruled by the Utah Court of Appeals in XX/XX/XXXX. 

PLEASE HELP. Name of Collection Agency is Knight Adjustment Bureau in Utah. 

Thank you.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 card or prepaid card

I thrice disputed fraudulent transactions that appeared on my card back in early XX/XX/2021. The first time I called it was business as usual, they simply removed the transactions and I thought that was the end of it. Then I received a letter stating that because I physically had the chipped card there was no possible way fraud had occurred so they re-billed me. I disputed a second time only for them to come to same conclusion within just one days worth of investigating. Now that I had to dispute a third time, Im starting to think that Wells Fargo is simply out to take peoples stimulus. Or maybe Ill simply have to pay for now and then theyll catch their mistake at a later time? No, there aint no way in XXXX am I giving them an interest free loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy Court reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TXXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, Equifax, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property Formal Request for Complete Media of Information & Immediate Removal of Inaccurate Collection Account Request a Complete Media of Information ( CMI ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX XXXX XXXX at the following address : XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX The reported status of this account is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as upheld in XXXX v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ).

Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : Complete and itemized media of information on this account, including : The original signed agreement or contract.

A full payment history and itemized breakdown of the alleged balance.

Verification of your independent investigation into this accounts accuracy.

Immediate removal of this account from all three credit bureaus ( TransUnion, Equifax, and Experian ) due to its inaccurate reporting.

Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.

I expect a written response within 30 days as required by law. If you require further information to complete this request, please contact me in writing at the address listed above.
Product: Payday loan, title loan, or personal loan

When I made a XXXX refrigerator purchase in XXXX ( XXXX ) of XXXX, the total purchase price was {$1200.00}. That day I made a down payment of {$65.00} which is what was determined as my monthly payment. Since XX/XX/XXXX Ive paid a monthly bank auto-drafted payment of {$65.00} which, as of now is a total of {$910.00} I got ill during COVID and did not notice anything change in my account during that time, then when I got well in XXXX I went back to the online account I had set up and noticed that I had barely sratched the surface on payments. The amount Conns HomePlus is saying I owe ( as of XX/XX/XXXX ) is {$930.00}. The increased my interest from 0 % to XXXX per day on XX/XX/XXXX. 

I contacted Conns HomePlus on XX/XX/XXXX via email and called and spoke to a said XXXX for an hour or so to try to sort this out. I asked for a manager and was not offered one, she refused and said none was available and that nothing would change. I offered to pay the amount in full of {$440.00} right then, the amount that was due by XX/XX/XXXX, via our agreement of 0 % interest ( again, XX/XX/XXXX ) to take care of it and my offer was refused. They said " we will accept your payment but can not relieve you of the remaining balance ''. I still paid the montly {$65.00} on XX/XX/XXXX, as scheduled, then cancelled auto-pay because of this fraudulent behavior. 

So in short -- beginning on XX/XX/XXXX they began charging me 29.99 % interest daily which means I owe the exact amount I owed when I made the purchase 14 months ago. I was never informed of this interest and I was under the impression they would pull the {$65.00} each month until completion of the payment which would technically be within less than two payments. I realize now that they planned to keep pulling that {$65.00} each month until it was paid off based on their overwhelming interest increase. In addition, I called custoner service many times while ill and dealing with the existing COVID circumstances, as we all are. No one was willing to help me or even re-deal with me, even after I explained the situation. 

I went back through all emails to find all of my auto-drafts and an occassional marketing message but nothing about my account changing OR an account contract of any kind that agreed to such fraudulence. 

I have nearly paid for the item in full and they would like me to pay double for the item I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 1. XXXX Date of inquiry : XX/XX/2021 2. Collection Account NumbeXXXX : XXXX 1. XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX
Product: Debt collection

On XX/XX/year>, I received a letter from Citi regarding my Best Buy Credit Card account. The letter stated that my account was severely past due and was being considered for placement with an attorney. It provided a deadline of XX/XX/year>, to contact Citi and make acceptable payment arrangements to prevent further action. 

However, on XX/XX/year>, I received a second letter from Citi regarding the same account. The letter was dated XX/XX/year>, and stated that my account was still being considered for attorney placement. This letter changed the deadline to XX/XX/year>, which is significantly earlier than the original XX/XX/XXXX deadline. 

By the time I received the second letter on XX/XX/XXXX, I was left with only XXXX days to respond, even though the first letter led me to believe I had much more time. This sudden change, without any explanation, created unnecessary urgency and confusion. If the initial letter was accurate, then the second letter may have been misleading about the time I had to respond. If the second letter was accurate, then the first letter provided incorrect information. 

I believe this tactic could be considered misleading and unfair, as it pressured me into thinking I had much less time than initially stated. I am requesting that Citi clarify the actual deadline and confirm whether their collection process is being conducted in accordance with fair debt collection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experien is reporting a false debt and will not verify that the debt is obviously false. 

At the EXPERIEN site they are busy trying to sell you service after service. I've successfully removed an XXXX Debt at three other agencies because 1 ) The debt doesn't exist 2 ) The company XXXXXXXX is collecting for doesn't APPEAR to exist- some sort of Dentist according to XXXX 3 ) I haven't lived in XXXX in 20 years -- and EXPERIEN is reporting the addresses I've lived at 4 ) XXXX has a reputation for collecting fake debts. They've put the amount just high enough it doesn't make sense to hire a professional company to combat them. And they placed the debt EXACTLY as my bankruptcy was removed -- the guy I called there laughed when I told them I knew what they are up to XXXX ) The statute of limitations on debt in California is 4 years and according to Experien the debt has been attempted to be collected for since 2016 ... but the debt wasn't on my report in 2016. 

EXPERIEN is part of this attempt to rip me off as far as I'm concerned. And EXPERIEN has done this before. They failed to follow through on a dispute and later the company refunded the money the collection agency forced me to pay -- in order to get a mortgage. THAT PAID COLLECTION ACCOUNT COST ME THOUSANDS of dollars in the form of a higher mortgage rate. 

And now Experien is doing it AGAIN The information Experien already had contradicts this debt. And their website says they don't have to let me contest the debt again.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I fell victim to a scam and lost all of the money in my checking and savings account and made a max cash advance on a credit card. I called Wells Fargo immediately once I realized and the person who picked up claimed that they were filing numerous claims for me for each of the transactions that occurred due to the scam. I received an email saying that only one claim has been addressed and have heard absolutely nothing about the others. The one that they addressed was worth {$35.00} while all of the others combined equal {$2400.00}.
Product: Credit card

I engaged with Greensky via XXXX XXXX XXXX ( a window replacement company ) in early XXXX of XXXX. Their financing terms were attractive, and that route worked best for our family 's finances. The work was completed on XX/XX/XXXX. I received my first paper statement to pay in XXXX and went to their website to make payment arrangements. I made my first payment. Their system accepted my payment of {$330.00}, and I went on about my business. I did and have been doing the same thing every month as I am supposed to. 

On XX/XX/XXXX, I logged into my account to make my payment to find a screen in red stating that I was now {$1000.00} BEHIND in payments. I accessed my profile and confirmed yet again that the XXXX routing number to XXXX XXXX and the account number is also correct. I called in immediately and filed a complaint with GreenSky. Several days later, on XX/XX/XXXX, I was emailed for the first time regarding the complaint I lodged with them about this nonsense. It is now the XXXX of XXXX, XXXX days later, and not only has nothing been done, but now I have a late pay on my credit report according to an emergency email I received from XXXX, NOT from GreenSky. None of my statements until this XXXX statement indicate I am tardy/late. I am paying them ; they are not taking my payments. I filed my second complaint today XX/XX/XXXX. 

Additionally, and this is the crux of this complaint. GreenSky, a bad actor, in my opinion, has NEVER contacted me regarding any issues with my account, and by never, I mean NEVER. I have never received a voicemail, text message, email, or regular paper mail indicating or alerting me that there is an issue. It is my understanding, pursuant to Title 12 Chapter X part 1006 section j, that creditors MUST leave, at least a limited message pursuant to section j1. Had any of this happened at any time, indicating to me that there was an issue, I would have responded immediately and attempted to correct any issues with the account. 

When I contact them, I get pushed all around talking to this person, then that person, and so on and so forth. I filed a complaint ( s ) that nobody did anything about, and now I have a late pay that really isn't a late on my credit report.

Team CFPB, I need help. I need protection from GreenSky as I am being victimized by a company that is too big to seemingly be held accountable. I only opened this account for convenience and my ability to make more interest on my investments than the amount of interest being charged. GreenSky must be pulled into, at least, federal compliance with their debt management practices. Please help me I feel powerless in the face of these big companies. Thank you for your time, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2017, I paid Capital One {$1200.00}, representing a timely and full payment of the previous balance on my credit card account, yet contrary to banking laws and the members ' contract with Capital One, I was charged {$17.00} in interest on the following monthly statement -- literally an interest charge on a XXXX balance. I have written Capital One several times about this matter with at least two letters informing XXXX XXXX or her office. Two responses from XXXX XXXX denied any wrong doing.