23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> there was a charge for {$6900.00} charged to my card, which was not authorized. Unfortunately I did not realize the merchant had stolen my identity until later XXXX when I started receiving multiple letters from banks either denying or requesting more verification information on my " credit card applications ''. 

I called Upgrade to dispute this transactions, they provided provisional credit and request I send in police report and personal statement. I did this. I have a time stamped email that this was sent to them on XX/XX/year>. I was given Dispute Case ID XXXX. 

I later receive an email stating they have decided to deny my dispute and that I had a certain time-frame in which I could appeal. Immediately we reached out within the deadline of appeal and they continually told me I was unable to re-open. I asked what reasoning was possibly provided to even begin to prove this charge was not unauthorized or fraudulent. All they could tell me is the actual merchant never presented any substantiation, rather they denied based on " not receiving '' the requested police report and statement, which mind you I did send and resent again to an email of their choosing. 

Furthermore, the representative I spoke with on XX/XX/year> went as far to confirm that she could clearly see this fraudulent. She was able to see that the merchant had to attempt multiple different expiration dates before they could even get the charge to go through. Not once, did Upgrade think to call or flag this charge which is even more concerning.

Upgrade has just thrown their hands up on this and will do nothing to help and expect me to pay for a charge I did not authorize or make from a company whole stole my identity and went out and started applying for credit in my name.

I can not believe Upgrade will not stand behind their 0 % fraud liability claims on fraudulent charges. I need them to successfully process this dispute and reverse/chargeback this fraudulent charge. 

I submitted a CFPB complaint on the merchant as well, but unfortunately CFPB was unable to find the merchant - so we did submit an ic3.gov complaint on them. 

The way Upgrade has chosen to handle this situation is beyond disgraceful and not in the least bit customer forward. How am I supposed to trust that Upgrade and XXXX have my back here.
Product: Prepaid card

A prepaid debit card issued by Greenlight to my son had three unauthorized transactions that are clearly fraud. I contacted Greenlight to file a dispute, they requested a form, I completed the form, and then they indicated they would not issue a provisional credit nor provide any response for 30-60 days. They say they want to teach kids financial responsiblity, but in reality all they are doing is exploiting kids finances by subjecting them to financial hardship and poor customer service. The service is not good for families. 

The transactions are as folllows : 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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Account : XXXX XXXX XXXX # XXXX 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 of 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

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. 
As required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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.
Product: Debt collection

i have entered a payment plan with XXXX XXXX. despite my payment plan being current i have received 2 notices of my account being sent to collcetions. the collection agency is XXXX XXXX XXXX, file # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block , inc ) due to In adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes 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 cause significant inconvenience and financial loss and I seek appropriate redress for the violations.
Product: Credit card or prepaid card

This account is over limit because Capital one is charging {$40.00} late fees on a XXXX balance. This is the definition of junk fees and I hope Capital one is viewed as XXXX of the companies imposing junk fees
Product: Credit reporting or other personal consumer reports

CFPB OUR COMPLAINT : Equifax, XXXX, and XXXX have persistently misrepresented the records for the adverse debt collection account belonging to the principal, XXXX XXXX XXXX. The account transactions constitute income, as evidenced by the XXXX received from Equifax, XXXX, and XXXX attached to this complaint. Despite attempts to rectify this with Equifax, XXXX, and XXXX, the agencies have disregarded the principal 's rights and persist in reporting inaccurate information without the principal 's consent. This has resulted in erroneous credit scores and denials of credit applications for the consumer.
Product: Credit card or prepaid card

Chase sent me letter after 5 years of dealings that my account will be closed I feel I'm being racially profile by Chase card service due too my name color and ethnicity
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXXXX/XX/XXXX, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by THE US DEPARTMENT OF EDUCATIONXXXX XXXX The items reported by this agency shall be removed to show my true credit history. This request is supported under XXXX XXXX XXXX - Notice to validate debts of the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, a creditor/agency has XX/XX/XXXX days from the receipt of the initial letter requesting verification of the entries that are being reported to a credit report. According to this law, failure to verify the items within XXXX ( XXXX ) days constitutes a reason to remove the information from my file completely. 

The initial request under XXXX XXXX XXXX - Notice for validation of debts was sent XX/XX/XXXX and received by XXXX on XX/XX/XXXX. The US DEPARTMENT OF EDUCATIONXXXX did respond to the initial request to verify the accounts below however, the date of the response letter was XX/XX/XXXX and XX/XX/XXXX, which was outside of the legal XXXX period that is required. Furthermore, the information that was provided was not any information that is associated with me or that I recognized. Under XXXX XXXX XXXX - Discharge for false certification ofXX/XX/XXXX eligibility or unauthorized payment, THE US DEPARTMENT OF EDUCATIONXXXX shall remove these entries from my credit profile. 


As required by the Act, I demand that these items below shall be removed immediately from my credit profile, due to the unlawful validation process and the unauthorized nature of these accounts. 


XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$14000.00} XXXX. XXXX XXXX XXXX XXXX {$28000.00} XXXX. XXXX XXXX XXXX XXXX {$5300.00} Finally, please send me the names and contact information of all the individuals you contacted, so that I may follow up with them directly. Thank you for your assistance in this matter. 



Kind regards, XX/XX/XXXX
Product: Checking or savings account

Account no. XXXX, Chase Bank is holding a check for 11 days for no reason as check for {$4000.00}, deposited XX/XX/XXXX has already cleared.
Product: Student loan

I took out a loan from PNC for school which my parents co-signed for. When I graduated I thought the PNC loan was transferred to XXXX with the rest of my student loans since I had not received a letter about interest or payments since I took out the loan. Sometime shortly before I graduated my parents went into bankruptcy. The other loan they co-signed for still sent letters about interest, explaining why they could no longer ask for payments and informing me that the loan was now in forbearance. No such letter came from PNC. Two years after graduating I got a postcard ad from PNC about having an account with them. This was the first time they had contacted me since I took out the loan. I called the bank to ask about the loan. They told me that there was no loan on file for me so I figured it was closed. XX/XX/XXXX my parents finished with their bankruptcy. Shortly after, PNC sent a letter to my parents that I now owed {$5000.00} more than what I took out since it had been occurring interest. I called the bank and they told me the loan was actually {$8000.00} more than the original amount and that they were not allowed to send letter since my parents were in bankruptcy. I explained I called and asked about the loan, which they said there was no record of, and that they had been sending letters about interest since I took out the loan. The phone number and address on file were both current with my parents so all letters should have been send to them. They are religious about getting my mail to me. I asked for a list of dates the letters were sent and the addresses. I was assured I would get this information but it never came. I even got a lawyer to send a letter but the bank refuses to help. I pay my loans on time and paid the interest on the other loan that was in forbearance. I have even paid off XXXX loans early. I would have paid the interest on this loan to prevent the {$8000.00} increase. I understand I owe the bank for the original amount and I will gladly pay it, but I would not owe {$8000.00} more if the bank had sent proper statements before my parents went into bankruptcy and had not told me the I did not have a loan with them when I called.
Product: Student loan

FedLoan Servicing seems to have a practice of deliberately delaying the processing of my XXXX XXXX certification. I submitted my XXXX XXXXt recertification request in XXXX XXXX. I did not receive a recalculated XXXX payment amount until XXXX XXXX, XXXX when my monthly payment was calculated at {$820.00} ( a very high payment, but that 's a separate issue ). Despite having recalculated my payment, fedloans billed me {$3100.00} for the next two months, which I could not afford to pay. 

FedLoan Servicing forced me into forbearance in XXXX, XXXX and XXXX XXXX by delaying the processing of my XXXX payments and thereby prolonging the amount of time before I will be eligible to apply for XXXX XXXX XXXX XXXX ( XXXX ). 

I took a public service job instead of pursuing a more lucrative legal career because I relied on the promise of public service loan forgiveness to make up for the fact that it would cost over {$3000.00} month to pay off my student loans in a timely 10-year plan. By delaying my ability to make qualifying payments and capitalizing interest during those delays, they are making it financially more burdensome to participate in the XXXX program. I enjoy public service and working in the public interest, but I am worried that these delays are going to keep happening and I will never be able to be free from student loan payments.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

Late payments are being reported on my credit report and under state law it does not say any transaction needs to be reported. What about privacy and consent?????
Product: Consumer Loan

ALLY BANK BOUGHT A ILLEGAL CAR CONTRACT WITH A FRAUD AUTO DEALER IN NJ,THE DEALER COMMITTING ILLEGAL HARD INQUIRIES ON MY XXXX XXXX, EXPERTS IN THE NJ STATE ATTORNEYS OFFICE, HAS BEEN PROFESSIONALLY INVOLVED IN THE INVESTIGATION OF SELLING A USED XXXX, 2007'
THE XXXX, NJ XXXX DEALER HAD THE  AUTO TOWED TOO A JUNK YARD.
THE CAR WAS IN A ACCIDENT,UNDISCLOSED BY DEALER WITHOUT DISCLOSURES, THE DEALER ALSO CHARGED MY CREDIT CARD,$XXXX'I  I'M ON A NEW LEASE WITH XXXX,
THE BANK ALLY WAS TOLD BY ME, THAT I DON'T HAVE A CONTRACT WITH ALLY AUTO FINANCE DEPARTMENT.
I'VE HAD MAJOR PROBLEMS WITH ALLY BANK, THEY PAID THE DEALER FOR THIS CAR, EVEN THOUGH THEY WERE NOTIFIED BY ME,THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE
I'VE BEEN PROFESSIONALLY INVOLVED IN THE ILLEGAL USAGE OF MY CREDIT REPORTS
THERE ARE THREE MONTHS OF INVESTIGATION BY ME AN THE STATE ATTORNEYS OFFICE,CONSUMER AFFAIRS OFFICE INVESTIGATION DIIVISION,,MOTOR VEHICLE COMMISSION OF NEW JERSEY
CONTACT ME ASAP TOO DISCUSS THIS CAR DEALER BANK,,ALLY FINANCIAL DIVISION.
MY PRIVATE INFORMATION IS AVAILABLE ON MY EMAIL ACCOUNT OR CONTACT ME AT XXXX. ASAP
THANKS
XXXX
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion credit report currently shows only 2 active accounts, credit available $ 15K XXXX and XXXX both show about 12 active accounts, credit limit approx $ 400K In other words, Experion 's report is truncated ( a programming problem ). 
I've been trying to get this resolved for more than an year. 
I finally was able to speak to a live person a couple weeks ago, but to no avail. 

I was recently turned down for an auto loan, based on Experion 's report. 
( Went to my bank and they granted a personal loan, no collateral, without delay )
Product: Credit card

I have an upgrade credit card and there are multiple fraudulent charges and Upgrade credit card is not willing to investigate this instead they are declining my report even though i have provided them with police report and everything.
Product: Debt collection

THIS DEBT IS PAID IN FULL AND OUTDATED. I HAVE ASK THE CREDIT BUREAUS AND THE CREDITOR TO REMOVE THIS PAISD IN FULL AND OUTDATED TRADELINE.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XXXX of XXXX  for XXXX and XX/XX/2022 for Experian and XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, 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, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 eleve mane information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am disappointed once again, as this one account reporting inaccurately on my credit file has negatively affected my life. I have attached an FTC report for you to finally reinvestigate and remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in May I requested for XXXX XXXX account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I still havent received my Certegy Consumer File Disclosure Report Tracking Number : XXXX via the XXXX mail. I want Certegy to reissue and mail me a copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to Equifax. As of XX/XX/2018 they had not responded so I submitted a complaint that they had not responded in the 30 days regulated by the FCRA and requested they delete the items in question from my report per FCRA. On XX/XX/2018 they sent a report, in violation of the FCRA, showing they had not removed those item as listed below : ACCOUNTS XXXX XXXX  XXXX not mine PUBLIC FILINGS XXXX not mine
Product: Money transfer, virtual currency, or money service

The companies discriminate my valid fldl
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Experian about inaccurate information on my report. I disputed 2 accounts on my credit report and sent the letter out certified mail. Today is XX/XX/XXXX and I have not received a response from Experian about my request to delete two accounts on my credit report. 

I am the consumer and this is a direct violation of, FCRA as quoted, " According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' I am a natural person, I am the consumer XXXX XXXX