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

I submitted an FCRA XXXX fraudulent dispute to Factor Trust via CFPB complaint # XXXX. Despite providing an FTC Affidavit ( Criminal Report # XXXX ), they failed to block and delete the fraudulent items and did not disclose their method of investigation as required by FCRA 611 ( 15 U.S.C. 1681i ). They also failed to provide proof that they contacted the FTC to verify my affidavit or disclose the names and addresses of the persons they contacted. I am requesting that the CFPB investigate their noncompliance, and I am reattaching the documents to allow Factor Trust to process this dispute in accordance with the law.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Prior to 2022 I had no changes in Interest on my barclays credit card which was 8.25 % then in 2022 XXXX XXXX to 9.5 % in XXXX, 10.25 % in. XXXX, 11 % in XXXX, and then 13.25 % which is what it is currently. Now they are increasing it again next month ( XX/XX/XXXX ) to 18.25 % all with a XXXX - XXXX credit score for a so called low interest credit card with no fringe benefits.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX
Product: Credit card

I moved address back in XXXX and did not receive the statements. As a result, I was late on payment for a few days. I contacted Citi and they told me to make a payment of the statement balance less the late fee charge and they will reverse the fee in 3 business days. I made a payment as told but I did n't get the fee reversed. I contacted again and they mentioned they would look into this and get back to me. However, they never got back to me and I did n't get the next month 's statement and I was charged late fee again! I am very frustrated about the customer service. They made false promises and could not even deliver their statements. They did not hesitate to charge fees even it is their own mistake.
Product: Credit reporting or other personal consumer reports

The following account XXXX is fraudulent I have no knowledge of this account or company. The credit reporting agency 's refuse to send documents showing I gave any permission for this company to use my info. The account is also showing open, while allegedly in collections status on my consumer report. This is fraud. And reported as fraud.
Product: Credit reporting or other personal consumer reports

I have a current fraud alert for unrelated incident. However, recently notified by XXXXXXXX XXXX that my info was involved in info breach. XXXX XXXX XXXXXXXX inquiries not mine wish to have removed from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

the complaint that was filed case number # XXXX, # XXXX, was closed because it was stated could not find a case number the company stated in that complaint a post office box was used, and was denied, base on the USA Patriot Act that is a Federal Law, pertaining to money laundering, personal information, identification, with financial institution, this Federal Law was used to denied the Credit Card Application, the company states a PO Box was used not the case, even if it was base on the law with the USA Patriot Act the complaint had an obligation to contact the applicate for other information to complete the Credit application, the address was on the application as well the denial letter was mail to the address and not the PO Box , this do show the Card company had the right address, CFPB reviewed that complaint and miss this very important material this is new information that was over look, and is requesting to re-open this complaint with Kohl 's Department Stores,
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX ( page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. I have contacted to two bureaus  to fix this incorrect reporting on my credit report. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XX/XX/2022 credit-XX/XX/XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XX/XX/XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XX/XX/XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

On or about XX/XX/2022, I spoke to an agent in the fraud department to let them know there were inquiries on my report that I did not recognize. The agent then told me I had to send in a letter saying exactly that, I informed the agent that I had already done that 3 weeks prior to my calling in, and she said she did not see any documentation of the letter in their system so I would have to send in another letter, no response was still given within the 30-day mark of my first letter that the agent said she still could not find. The agent still proceeded to tell me she could not report the inquiries as fraud or even begin an investigation without a letter. That is false, I was able to verify every security question pertaining to my identity and even had the exact names of the inquiries for her to move forward. The inquiries still remain on my consumer report and I have gotten denied credit from corporations pulling my consumer report through TransUnion, such as XXXX for an auto loan and XXXX XXXX XXXX XXXX for a secured credit card. This is highly affecting my family and our livelihood. I have disputed information online as well and received a notification stating that the investigation was done and they found the items that I disputed to be accurate. Transunion is solely responsible for choosing to display and release my personal information violating my consumer rights
Product: Student loan

XXXX. Mohela is charging interest on my student loans despite the loans being in COVID forbearance and should not be accruing interest.

I have heard from others this has been occurring with their loans managed by Mohela. 

XXXX. I also believe that Mohela is delaying application of credit for months in forbearance towards loan forgiveness despite the periods of employment having been approved as eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an open student loan account with XXXX as current and a loan balance over {$6000.00}. Even after their investigation they still have not corrected the problem. The account with XXXX  # XXXX was transferred to XXXX and paid. I have a XXXX loan balance. The account is not open. Your investigation clearly shows this acct with XXXX is paid. However, you continue to report false information that its current and open with a balance and XXXX is reoprting this to Equifax every month. When in fact this account was transferred and closed in XX/XX/XXXX. The language of Current does not mean to XXXX that the account is open. Your investigation is incomplete and lacks clarity. Please ask XXXX happened to acct XXXX. You will see that XXXX has not reported to Equifax on this acct since XXXX. The acct is not open but was transferred to XXXX and paid. This is the type of discriminatory practices of Equifax. They do not correct their reports. I do not have an open installment loan with XXXX. All of my student loans are paid wirh XXXX balances. Please correct this error. Also, you have lowered my credit scores over the years due to this false information.
Product: Credit card or prepaid card

I have a XXXX  XXXX credit card issued by Comenity Bank. I am unable to access the account through the online login. I am unable to call the number. I am unable to make a charge on the card even though the outstanding credit is sufficient. I am on vacation and this is causing a bit of a problem. I just made a payment to them through my checking account using online banking around XX/XX/XXXX and XX/XX/XXXX. Other people are posting the same problems on social media. This is unacceptable. They are saying the system is down but it appears to be something quite serious that should be publicly announced to the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX  '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that Experian has not shown any time that I have disputed information with them in the past. XXXX has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, Experian, and XXXX  can tell me anything different?
Product: Credit card or prepaid card

This complaint is regarding account XXXX XXXX XXXX, which you claim I opened a credit account on XX/XX/2018 for {$350.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable an unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer ( EFTA ) and regulation EXXXX These actions have all significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by Experian. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile.

I remind Experian of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX. There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. XXXX has since sold this info to XXXX XXXX XXXX  and now they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I noticed a hard inquiry on my credit report that I did not ask for. It was from Bank of America for the XXXX  XXXX XXXX XXXX card which I do not live in Alaska, I live in XXXX XXXX Contacted XXXX and other agencies to freeze my report and put a fraud alert on file. Attempted to contact Bank of America but automated system either will not put me thru due to me not having a account or hangs up, so, I can not speak to a live person. I want this hard inquiry taken off my report because it dropped my score a bit and I don't want something I did not apply for on file. This is probably related to the XXXX data breach which my account was compromised.
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. 

XXXX Bank - XXXX : # XXXX, XXXX Bank - XXXX : # XXXX, XXXX Bank XXXX XXXX : # XXXX. 
XXXX XXXX XXXX - XXXX ( Duplicate of the same accounts on record ) XXXX  - # XXXX, # XXXX XXXX XXXX - # XXXX There are also incorrect current/previous addresses and employers list from XXXX and Experian. 

XXXX - My previous addresses have typos and employers are incorrect. 
XXXX  - Current and previous address are incorrect 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 or other personal consumer reports

Despite submitting all required documentation and meticulously adhering to established procedures, it remains extremely troubling that this issue continues unresolved. This ongoing problem not only causes me considerable inconvenience but also erodes my trust in your organization 's ability to handle such matters efficiently and competently. It is unacceptable that, despite numerous efforts, the late open accounts are still unaddressed, which casts doubt on the accuracy and reliability of your record-keeping. I strongly urge you to treat this issue with the highest level of urgency and take immediate action to rectify the late open account entries in my record. Additionally, I expect regular updates on the progress being made in resolving this issue and seek just compensation for any damages or losses suffered due to this enduring mistake. I am thus requesting your help to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$360000.00}
Product: Prepaid card

Dear representatives of Consumer Financial Protection Bureau, I hope you are doing well in XXXX  XXXX, and I hope that you are enjoying the month of XXXX. 

I'm writing to you because I would like to file a complaint against the company Tango Gift Cards. I subscribed to the internet company Starry during the beginning of the year 2022 and they sent me a Tango Gift Card of {$150.00} Dollars through their service. Tango never sent us our gift card that the company sent to them to give it to us. XXXX is a company based in XXXX, Massachusetts. 

XXXXango is making excuses that they sent us the gift card, but this is not true, they never sent us the card and we never used this gift card because we never received it. This is very wrong and dishonest on their part. They are using excuses for not giving us the gift card that we are entitled to. 

I will appreciate your help and cooperation in order to resolve this matter. Feel free to email me at XXXX You can also call me at XXXX. 

Thanks again. 

XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

Hello and good day to you. Please take another look at the closed complaint XXXX - Axos Bank XXXX This bank response never addressed my complaint, and so why was this closed? Their reply deemed my case closed, and you somehow followed accordingly ( closed ). Was their response ( case closed ) at least suspect? I disagree, and ask that you please take another look at this case. 

At issue are check deposits being refused due to alleged improper endorsement, refused as " unable to verify ''. Their policy, checks must be endorsed to Axos bank, and without any account number designation. I researched this company and find that even govt stimulus checks are refused due to bank clients adding their account number on the endorsement. When this happens, causes weeks and even months delay, bank clients having to call the IRS and have another check issued and deposited/cashed elsewhere. Is this legal and proper, that " even '' govt stimulus checks are refused due to putting the account number on the endorsement? 

My research revealed to me this issue, and I was able to avoid it, I immediately closed my account. Therefore, I am fi Signed,. 
XXXX XXXX