23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Before planning a trip to XXXX My daughter contacted Bank of America to inform them if they see any activity on her debit card from XXXX XXXX thru XXXX XXXX do n't be alarmed it will be her using the card and please do not block usage on this account. She was told by Bank of America it had be noted in her account and It was fine. Well just what she did n't want to happen did. The first time she tried to use her card it was declined. My daughter called in a panic. She was alone and stranded cause you can not use cash for XXXX. I called Bank of America to see what the problem was and they stated it was a security check. Bank of America also stated they did see noted in her account the travel plans and again it was just a security check I was upset because my daughter was alone and stranded. Bank of America apologizes and lifted the hold. However it went downhill from there. For the next three days while there my daughter called frantic and crying because she could not use her card time and time again for safe transportation and continued to be stranded. Three more incidents occurred and I had to call Bank of America very upset and finally they lifted the security on her card. I do n't understand how a bank feel it 's okay to keep someone from using their own money. This was not a charge card it was a debit card.
Product: Credit reporting or other personal consumer reports

Personal request to ensure that NO INACCURATE, INCOMPLETE, or BIAS DEROGATORYinformation is reporting on my Consumer Credit Report and that any such information due to result of identity theft, ESPECIALLY THOSE PREVIOUSLY BLOCKED and DELETED by other CRAs, are immediately deleted from my file. 



XXXX is fraudulently reporting student loan accounts to my credit profile. XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the three major CRAs, Experian, XXXX, and XXXX. There are several XXXX  accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 3 CRAs, EXPERIAN, XXXX, and XXXX. ( See documentation attachments )
Product: Money transfer, virtual currency, or money service

Hello, I am here to complain about Chime Stride National Bank customer service. I wanted to talk about my dispute case. I lost a lot of money due to fraudulent transaction I opened up a case in XX/XX/XXXX and then it got closed out within 3 hours and I called them again to request for the documents of my closed case and why was it closed. They said I had to wait 10 business days meanwhile I reopened up the case again and they said the investigation will be solved on or before XX/XX/XXXX and they will provide me provisional credit on XX/XX/XXXX. However, they closed out my case again on XX/XX/XXXX saying no error occured and then I called and sent a email to them requesting for the documents they used to close out my case. Now I reopened my case again on XX/XX/XXXX requesting documents for my bank statement history, specific reason why they closed out my account, and documents of why they closed out my previous case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two companies ( XXXX and XXXX XXXX XXXX are reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information. 

XXXX XXXX has multiple accounts listed on my Transunion report with the same account number. All of which are paid off but also showing that I owe {$270.00} which isn't accurate. 

There is inconsistent details showing in my personal information that needs to be addressed. Inaccurate information enhances the possibility of identity theft for an example. I have several inquiries that were not authorized and may have been affiliated with addresses I don't reside! XXXX  XXXX XX/XX/XXXX-was an unauthorized inquiry at all bureaus. XXXX/XXXX  is an unrecognized/unauthorized inquiry from XX/XX/XXXX on Transunion and XXXX is an uncrecognized/ unauthorized inquiry on XX/XX/XXXX. 

I have disputed on numerous occasions but the information is still inconsistent.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED BELOW, WHICH APPEAR ON MY CREDIT REPORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$500.00} XXXX XXXX {$300.00} XXXX XXXX  {$72.00} XXXX XXXX {$180.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$140.00} XXXX XXXX XXXX$88.00}
Product: Debt collection

This account is marked as a collection with a past-due balance as of XX/XX/year>. However, I believe this information is incorrect. The amount reported is incorrect. I request that you investigate this matter and remove or correct the inaccurate information. any changes are made to my credit report, I request an updated copy. You can reach me at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADE ALL IN VIOLATION OF THE CONSUMER LAWS.

Capital One violations : -Reporting false information to my credit report stating that I owe {$860.00}, and its been late and unpaid. 

-selling my information to XXXXXXXX XXXXy without my permission or l knowledge. 

-stating to XXXX XXXX that I ACTUALLY owe {$560.00} but never reporting that to XXXX XXXX XXXX XXXX XXXX. 

-After a creditor sells an account they write it off on their taxes. I was never provided this tax information. 

-After a debt is sold it no longer belongs to the original holder so you shouldnt still making collection attempts or falsely reporting to my credit. 

-Failed to prove that this account belongs to me when I requested verification and an investigation so it should not have been sold! Ive been in ongoing disputes since XXXX and Capital one sold my account in XXXX. The letter says XX/XX/XXXX but I saw them on my credit report sooner than that. 

XXXX XXXX : -Isnt licensed to collect a debt in my state or residency, XXXXXXXX XXXX XXXX Therefore they shouldnt be attempting to collect debts from me. 


-this account isnt mine nor is it verified and its very much under investigation so XXXXXXXX XXXX shouldnt have purchased it or actively be collecting on it! 

-I have made several contact attempts to get XXXX XXXX to cease and desist reporting and they continually report! 

-They supposedly conducted a dispute on my behalf but they still didnt come back with supporting documentation of validity! 

XXXX : They continue to allow false reporting despite my numerous attempts to have this removed! 
XXXX has YET to mail me a copy of my credit report though I requested it! 
I also requested documentation and verification of the method they used to Investigage and they refused.

Im constantly complaining about these credit bureaus they need to pay me for violating the law. 
{$1000.00} for each offense or CFPB pay for allowing this and not holding them responsible Laws violated : Failure to Provide Verification Documents FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Remove an Unverified Account FCRA 1681i ( a ) ( 1 ) ( A ) Duplicate Negative Reporting from Capital One & XXXX XXXX  FCRA 1681s-2 ( b ) FDCPA ( 15 USC 1692 ). I was not notified within 5 days of XXXX XXXX receiving the capital one account in my name. They were reporting to my credit before they ever informed me XXXX XXXX Is Reporting the Debt Without Validating It FDCPA 1692e ( 8 ) Then theyre mailing me lies that the account is verified and providing no documentation! My address isnt XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 


I stacked proof that XXXX XXXX  isnt licensed in my state. 

Ive attached my drivers license so you can see my address!!! 

Ive attached a pic of the XXXX XXXX letter stating {$560.00} and not {$860.00} and Ive attached a photo of capital ones reporting amount and how both XXXX and capital one are reporting to my credit before and PROOF that XXXX XXXX was reporting to my credit BEFORE they ever notified me that they had my account
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Some hospital sent me a letter saying that i was admitted and that I owed them money ; So I called right away and asked " what is this '' So I gave my name and dob. when they saw that Dob. did not match some lady said " Oh this is not you I will take care and remove it right away " I said thank you and then went on with my life : until I started getting harrased by some bill coll. company with letters and phone calls about once twice a week.at that time I had never been in a hospital. this started about 4 years ago give or take some months. the name does not match also
Product: Credit card or prepaid card

This is a complaint about my XXXX XXXX, which is handled by Citibank , N.A . 

I had setup automatic payments of {$27.00} per month for my credit card, however, the payment was posted approximately 5 hours after midnight on the due date for XX/XX/2018. This seemed to be due to a delay in handling by the credit card company. 

The credit card company charged a {$27.00} late fee, and when I refused to pay that late fee they charged another {$36.00} on top of that. They later reversed the late fee for XX/XX/XXXX, but refused to reverse the one for XX/XX/XXXX. 

In addition to charging fees for problems that appear to be caused by their processing department, the way they apply payments is deceptive. When I make a payment online, the website clearly states that payments will reduce the balance I owe on my 6 month no-interest plan. However, in reality, payments are first applied to any fees before the balance. This has the effect of increasing substantially the amount that they receive in finance charges since the finance charge for the balance is accumulating over a period of months, whereas the finance charge for fees only starts to accumulate from the time the fee is assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on XXXX, Transunion, and XXXX. 


My only name is XXXX XXXX. 



My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX My only employer is Self Employed There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file. 


Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a 3rd party debt validation letter to Absolute Credit, LLC requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$440.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Absolute Credit, LLC has failed to validate this alleged debt within the ( 30 ) day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
Product: Checking or savings account

I scheduled five EFTs for XX/XX/year> and XX/XX/year> which were payments for Federal Estimated Taxes, State Estimated Taxes, and for three credit card. ALL of these were time sensitive payments which, if late, could result in late payment charges. Though my account at American Express Bank had been in force for 44 days, the sudden large withdrawal apparently created suspicion, on their part, of some kind of fraud- though I'm not sure how paying the IRS could ever be a fraudulent transaction. But, without actually making contact with me AT ALL they reversed four of the five EFT transactions. 

They say they sent an email but NO email from AMEX was received ( and it should be mentioned there is an option for a read receipt that can be used ). They also say they tried to call me but used my cell phone number and left a message EVEN AFTER hearing the instructions on the greeting that NO MESSAGES are to be left there and they should call my home number- which is provided. They didn't do that either. I only found out of the reversals on Monday night ( XX/XX/year> ) and was finally called on my land line by XXXX on Tuesday morning. She explained that four ETFs I made in good faith were reversed by American Express putting me at risk with the IRA and California Taxes for penalty payments and also at risk with the credit card companies. When I asked about these penalties I was warned AMEX would not reimburse me for these expenses even though I believe they are responsible. I also believe that AMEX is in violation of at least two banking laws as a result of its behavior in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already signed up with this company, and I was paying one fee. I was supposed to be signing my clients up through this monitoring company, and I was misled. I was told to sign up for one dollar to see how the system works. I said I knew how the system worked. I am a member already. I was convinced to canceled one service after I paid {$29.00} and signed up with another program under the premise I would not have to pay any more than {$1.00}. I was duped and deceived by this Ponzi scheme, and they need to be shut down and imprisoned. XXXX and another employee had the worst attitude. They are strong-arm robbing consumers. I paid {$29.00}, {$1.00}, and {$27.00} in less than one month for XXXX XXXX XXXX. They do not prorate or refund consumers money. RED FLAGS!!! They are ripping off XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/year> ) ( XX/XX/year> ) .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late.
Product: Credit card or prepaid card

XX/XX/2022 at XXXX XXXX  ET, I've received a email from Goldman Sachs stating I was denied for the GM card by Marcus due to not being able to verfiy my identity. I called Godman Sachs and the customer service representative wasn't able to help me verfiy my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " We're unable to verfiy your identity ''. 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Product: Debt collection

I lived in a condo 2 years ago. And I tried to received my deposit amount for 2 months after my departure. They said they would deposit, but they never deposited. After 2 months claiming they would deposit. They forged a report on a retroactive date and made only by them, alleging several problems in the apartment where I lived, where nothing was real and journey, with the entire amount of money raised to carry out already scheduled renovations in the apartment. A real crime I can't solve. They did not return my deposit and even placed an illicit collection debit in my name.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/2018 Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I transferred {$130.00} to my CASHAPP account. Cash app took {$100.00} instantly out. I reached out to customer support and was told Thank you for reaching out. We understand the importance of your funds. A technical error that occurred between XX/XX/2023 and XX/XX/2023 impacted one or more of your XXXX XXXX transactions. They could not tell me a date or actual transaction this is what again I was told Thank you for getting in touch about this issue. This happened with the merchant XXXX with the amounts of {$77.00} and {$33.00} and {$24.00} and {$31.00}. We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. I continued to reach out to customer support and my account was escalated up. I was sent a transaction history ( that I can forward to an email ) that does not show any error in my account or funds not being taken out properly. It does show a strange pattern on how cash app managed their debit/credit ledger ( with each transaction showing as Pending, then Voided, then Captured ). I have asked about this and also returned an email stating If you notice on XXXX my account balance was XXXX. I transferred {$130.00} on XXXX making the balance {$140.00}. I made a purchase at XXXX for {$20.00} leaving me with {$120.00}. I then made a purchase for {$33.00} at XXXX leaving {$93.00} in my account then another purchase for {$77.00} ( the purchase your saying didnt come out of my account ) leaving me with an ending balance of {$15.00} which is reflected in the document you sent me under XXXX XXXX. XXXX tried to take {$100.00} and it was declined and reverted my balance back to {$15.00}. Which it remained at until XXXX when I transferred {$110.00} over to make a purchase at dollar general this is all calculated from the document you provided! 
I need my money returned for this accounting error on cash apps end. 

I could not find the error. And they have yet to return my {$100.00} or to provided factual evidence or reasoning as to why it was taken by them to being with.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT on XXXX, XXXX, Experian : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.