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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

The chargeoff date of this XXXXXXXX XXXX debt was XX/XX/2018. I complained to XXXX XXXX XXXX XXXX was supposed to buy out contract when i switched carriers and XXXX claims they never got the funds. I told governor XXXX XXXX, the XXXX, the cfpb, attorney generals in 2 states, both XXXX and XXXX XXXX XXXX  corporate as well. The amounts they never explained properly and i dont think followed fair debt collections practices out. Farthermore I am impacted by covid19. Please remove this misreporting from my credit report and all systems. XXXX XXXX XXXX XXXX and jefferson Capital systems , llc are harassing me. Please tell them to cease mailings and send me a letter saying the debt is no longer old. Note i can not speak on phone due to my disability. The XXXX  was also notified. Please answer in writing asap. Thank you.
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 adequate measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Capital One closed my account, took payments, did not give me an increase after 6 months or so. Took my deposit money with my knowledge. I paid half the bill and the amount still increased every month after being closed. The company refused to work with me during hardship. Capital One owes me back {$200.00} and should wipe out my report.
Product: Credit reporting or other personal consumer reports

There was an affidavit sent to Transunion regarding account XXXX XXXXXXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws in a dispute letter. I submitted a FTC report which is attached to this complaint. The account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. XXXX has since deleted this account from my credit file. TransUnion also failed to notate that the account was in dispute which is another violation. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report.
Product: Debt collection

on XX/XX/XXXX, I received a letter in the mail at my private residence. When I opened it, it was a threatening letter from Mandarich Law Group on behalf of XXXX ( never heard of either companies ) on behalf of XXXXXXXX XXXX  which I ALSO do not have an account with. Now the heading and abusive and threatening language is all under the guise of attorneys at law. But then at the bottom it says this is an attempt to collect a debt. Now I want it clarify, Are you Mandarich Law Group suing me on a contract we don't have together? I don't remember giving you any consent at all to contact me, you never reached out before to be sure you could. And the you start a judgement that has NOTHING filed in it and threaten and try to XXXX me into paying something you have provided NO proof I owe. and you should even have my information to begin with. Is your company suing me and on what grounds? provide me where I owe this debt, where I owe it to you and what ground would you have to sue me on hearsay for an alleged debt that ive yet to see proof that I owe to you. statements are not proof.
Product: Checking or savings account

I was scammed and have a police case number and my bank is denying me a refund. How it was through XXXX. I'm out XXXX. Because CHASE won't refund. I've been with them for almost XXXX so much for loyalty. Chase over looking a police case number. The police.
Product: Credit card

I have a XXXXXXXX XXXX XXXX with Chase Bank which was overcharged for a transaction on XX/XX/. It should have been {$120.00} and my card was instead charged {$500.00}. It was for a dental service which was covered by insurance and insurance confirmed they have paid their portion to the dentist. Instead of billing just the patient 's portion, the dentist charged the full amount to my card as if I was uninsured. I disputed this ( 3 ) times now with Chase and each time they claim it was a valid charge despite me uploading to them the breakdown of what I owed to the amount of {$120.00}. Every time I speak to someone from Chase on the phone they agree with me that I was overcharged and every time the case is reopened, they declare it a valid charge. They are now saying it's past the 90-day window for me to dispute this incorrect charge - despite me disputing it within the window in the first place. Their inability to resolve the problem has exceeded the window- which shouldn't mean that I'm now out {$370.00} that I never agreed to spend. Please push to correct the charge.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call from XXXX XXXX services. A loan was taken out in my name in XX/XX/year>. The person did not pay off the loan. I don't know how much they borrowed. 

XXXX XXXX reviewed the loan details such as address and where the loan was taken out. The data is not my address and I've never lived in the city the loan was taken out. This is fraud using my name and birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a auto loan and did not give permission or consent To ANY OF THESE PLACES!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXXt acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 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 any purpose 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing
Product: Checking or savings account

i had unauthorized transactgions on XX/XX/2021 frfom XXXX for XXXX. i also had requested for a refund for XX/XX/XXXX at the XXXX  airport for {$130.00}. My Bank of America account i disputed both ( 2 ) tranactions. While Bank of America ( BOA ) did their investigation the bank credits yoiur account for the amount of the tranaction. 

On XX/XX/2021 i looked at my BOA bank account and i was negiticve XXXX. I csall BOA customer Service at XXXX XXXX XXXX and i was transfered to the fraud/disputes department. I was explaining the situation to the agent and he was rude and eventually hung up on me. 

This is not the first time this has happened.
Product: Debt collection

I was contacted through mail by   XXXX   XXXX   stating that I owe d Synchrony B  ank/ PayPal Extras MAsterCard {$4200.00}. I asked for an investigation into the account because I had not set-up a PayPal Extra 's account. I re ceived from  XXXX  a stack of old statements which told me nothing about who had opened the account or who had made the purchases. I contacted  XXXX  and they said that was all the info they had. I, then, contacted Synchrony Bank disputing the charges and requested they look into the matter. After months without word, I became worried because of my pending divorce and I thought it would look bad on me for having debt that was n't being paid. Therefore, I made an electronic paym ent ( c heck #  XXXX   )  to  XXXX  on  XXXX   XXXX ,  XXXX  in the amount of {$150.00}. The next month,  XXXX   XXXX ,  XXXX , {$150.00} was debited from my checking accou nt (  check #  XXXX  ). On  XXXX   XXXX ,  XXXX , another {$150.00} debit was made to my checking account  ( ch eck #  XXXX   ).    On  XXXX   XXXX ,  XXXX , I received a letter from Synchrony Bank informing me that an investigation had been completed and had been resolved in my favor. After contacting  XXXX  and Synchrony Bank, I was told by Synchrony Bank to put a request in writing, to them, seeking a refund for the {$450.00}. On  XXXX   XXXX ,  XXXX , I had  XXXX  Law Fir m ( pe r  XXXX   XXXX   ) s end a letter on my behalf to Synchrony Bank requesting full restitution. As of  XXXX   XXXX ,  XXXX , I have not received restitution nor have I been contacted by Synchrony Bank.   I thank you for your help in attempting to resolve this matter.  XXXX   XXXX .
Product: Checking or savings account

I am a customer at XXXX XXXX that used to have a banking account with state farm. XXXX XXXX bank converted my checking account to US Bank. I had to have a US Bank account because of an auto loan and it was used to transfer funds from one checking to their checking to pay the auto loan. Auto loan is still with XXXX XXXX, and XXXX XXXX is not at fault here. My complaint is with US Bank. 
The minimum was to have {$25.00} in my account, which is what was opened with US Bank. I don't need or want that account. 
I received a statement where US Bank charged me a {$2.00} paper statement fee and then charged me a {$5.00} dormant service cha for my account. 
First, I was never told I was going to get charged a fee for not changing to paperless. And second I was charged the dormant fee without being contacted that I was going to get charged that. 
I called and closed out my account immediately but they will only send the remaining {$17.00}. 
How can a bank get away with all these fees without communicating?
Product: Credit card or prepaid card

I opened a XXXX Visa Credit Card on XX/XX/XXXX. The credit card is administrated through Comenity Capitol Bank and I was told I would receive my credit card within 10 days of approval. On XX/XX/XXXX, I was sent an email stating that my credit card statement was available and that I could pay. However, I needed my full account number in order to pay online. By XX/XX/XXXX, I had yet to receive my credit card in the mail and still could not access the account number. I called XXXX Customer Service and Comenity Bank to receive my account number so that I could register, activate, and pay my bill. I was then told that Comenity 's servers were down and therefore they could not access my account number and information. I attempted again in early and XXXX 2022 and was told again that there were issues with servers. On XX/XX/XXXX I contacted XXXX and received the following response from XXXX 's Customer Service : " Hello XXXX, I truly apologize for the confusion. 

I want to inform you that Comenity Bank is currently experiencing phone contact issues and we working to resolve this matter. At this time, I recommend you to allow 24 hours to re-attempt your phone call. If you are still unable to access it, please allow more time to receive your physical card by mail. 

Thank you so much for your interest in our company. I hope you have a lovely day! '' In XXXX, I called Comenity Bank to inquire again about the status of my credit card. At that time I was told Comenity 's servers were working again and so I finalized a payment on the card via phone. Additionally, I was told that another credit card was ordered for me and would arrive within 10 business days. I went out of the country from XX/XX/XXXX- XX/XX/XXXX. When I returned on XX/XX/XXXX, I still did not have a copy of the physical card in the mail. However, I have two bills from Comenity instead and a new balance that does not match the previous balance I had when I made a phone payment. 

Thank you for looking into the negligent and predatory consumer behavior that Comenity Bank has employed against me.
Product: Debt collection

I submitted the fraud paperwork to the company and already submitted the info and paid this debt. They said they would remove it off my credit while I am still going through the process to do the fraud complaint. It is still showing on my credit reports. The first complaint was already submitted through your company
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Experian has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the perm
issible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Experian failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the appar
ent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX XXXX XXXX XXXXXXXX Present below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX