23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I called Chase Bank because realized I had a very much lower amount then expected to have in my Debit account for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I only use this card for products on XXXX and XXXX XXXX and XXXX  shipping company called XXXX XXXX. Nothing Else, yet I realized some charges that I didn't recognize were made since XX/XX/XXXX from a company in the XXXX XXXX called XXXX XXXX, varios charges were placed for a full amount of {$560.00} ; I also realized I had withdrawals from a company called XXXX XXXX since XX/XX/XXXX this was also a company from the XXXX XXXX they made various charges for a full amount of {$1300.00} these I knew were all fraudulent charges. So I made sure speak with the fraud department and let them know about both these charges and they said they would help but it would take a few days. 

XXXX comes we still didn't have the money back, we stayed calling and asking for updates but they kept brushing us off by saying they were working on it. In mid XXXX they let us know that they gave us the Money back from XXXX XXXX charges the amount of {$560.00} but they did'nt want to give us back the money for the other company XXXX XXXX acting as if we did'nt make the claim in time because some charges still showed as pending and that we should have made the claim before XXXX  days. They gave us back the money that we did claim after the XXXX  days yet they don't want to give us back the bigger amount from the fraudulent company called XXXX XXXX that we made a claim for before the XXXX  days. I visited the bank and tried to fix the problem but the banker just filled a complaint and now it officially been weeks and no update has been given.

I have proof that all this info is correct I would appreciate any help as soon as possible. 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 effective 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, credit repair services, or other personal consumer reports

I've never filed for bankruptcy in my life!!! This is not mine and it's preventing me from acquiring credit and everything else. Please remove!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.Im
Product: Credit reporting

I have sent all documents to Experian ( XXXX, letter from XXXX, etc ) on XXXX different occasions. They have failed to correct the balance to XXXX. 
This has been corrected and cleared from my husband 's account due to consumer finance efforts his case number is XXXX. And for this we thank you. Now, your help in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ), account ending in XXXX. This account is being reported inaccurately and inconsistently across credit bureaus and violates multiple sections of the Fair Credit Reporting Act ( FCRA ).

The account is reported as an Open Account, when in fact, it is a collection account for a charged-off debt that was purchased by a debt buyer. 

Payment history, charge-off amount, and date of last payment are missing, making the report incomplete. 

The date of first delinquency is listed as XX/XX/year>, but XXXX XXXX reports the placed for collection date as XX/XX/year>, which appears to be re-aging of the debt. 

TransUnion reports different information than other bureaus : it labels the account Open, has a different Date Updated, and omits charge-off details.

I disputed this account and it was marked verified without a meaningful investigation or proper validation. These inconsistencies and omissions violate FCRA 623 ( furnisher duties ) and 605 ( re-aging ).

I am requesting that this account be deleted from my credit reports with all credit bureaus, as it is not being accurately or consistently verified.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$450.00} Terms - On record until XX/XX/XXXXXXXX XXXX
Product: Credit card

XX/XX/year> : Received questionable e-mail regarding purchase of an XXXX laptop {$1800.00} on a PayPal acct in my name ; Called support number and they asked me to verify my name, last four digits of social security number ; PayPal support routed me ( questionable ) to Head branch of XXXX  XXXX XXXX to confirm my identity and that identity theft was done ; they routed me to (? ) FTC where XXXX XXXX XXXX ( senior investigative officer XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, case XXXX XXXXXXXX ) told me that they would suspend all XXXX XXXX XXXX checking and saving accounts and that people at my local branch would be suspect of stealing my identity. To catch criminals, would send an FTC and Social security officer to my local branch, but screamed at me when I asked for the address where I bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.
Product: Debt collection

I'm writing to you out of pure frustration and desperation. I am in the process of purchasing a home and your company is reporting inaccurate information on my credit report. I have sent your company multiple dispute letters stating that this information is inaccurate, to no avail. Each time XXXX has said the company that provided them with the information has verified the data. Even though Discover has sent me proof they told you guys to delete it ( attached ) I have also sent your company several requests asking for the method of verification and the name of the person that provided the verification and they have ignored each of my requests. 
The account in question is DISCOVER BANK. XXXX and XXXX are not reporting this account XXXX continues to report on my credit report that this account is closed and that this account has multiple late payments when in fact, this is false and inaccurate information.I contacted Discover Associates and spoke with the supervisor that I worked with previously to handle this account and he stated that no one from your company has ever contacted them to conduct an investigation or requested verification of the status of the account. How did XXXX verify that this account has a closed status and/or any late payments? It clearly has not been verified and this account should be deleted immediately, as previously requested I am reaching out to you, as CEO to ensure that this is done. Otherwise, my next step will be to sue XXXX for multiple FCRA violations. If an immediate resolution to this issue is not made within the next 14 days, I am also preparing to file a claim with the MO Attorney General 's office. 
Your immediate attention to this matter would be greatly appreciated. 
Thanking you in advance,
Product: Student loan

On XX/XX/2018 I called XXXX XXXX customer service to see if I could get my monthly payment lowered because I was having difficulty making the monthly payment of XXXX. I was told there was nothing they could do since I had already used the 12 month forbearance. I discussed that I wanted to make monthly payments on the loan but was having difficulty paying the XXXX payment and asked to get lower, more affordable payments. I was told that the only option for me was to stop making payments on the loan, allow the loan to become late, and then I would be contacted by someone from the collections department to see if they could help me with lowering my monthly payment. I said I did not want to miss a payment and become late on the loan because it would make it more difficult for me to catch up. I asked to speak to someone who could help me now before I was late on a payment. I spoke to a supervisor who was unable to help me and was told the only way the collections department would talk to me and try to help me was if I became late on payments. I reached out to XXXX XXXX for help in lowering my monthly payment and they refused to help me unless I become delinquent on payment!
Product: Debt collection

I am writing to express my deep concern and frustration regarding the lack of progress in resolving inaccuracies on my credit report. Despite previous escalations and requests for updates, the reported inaccurate late payments still persist on my credit report. I am reaching out to demand that your bureau fulfill its responsibility and promptly rectify these errors. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
The inaccurate late payments are adversely affecting my credit score and overall creditworthiness, hindering my ability to secure credit on fair terms. It is your bureau 's responsibility to ensure the accuracy and fairness of consumer credit reporting, and the prolonged presence of these errors is both unacceptable and damaging to my financial standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I arn deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit card or prepaid card

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
Product: Checking or savings account

On XXXX XXXX the IRS issued a tax refund to my Cash App by direct deposit. The amount was XXXX dollars. 

I have contacted the IRS three times about this. Each time they make sure it was sent to the correct account. The third time a tracer was place and could take up to 190 days. 

Cash App has been contacted multiple times about this. They can not find the deposit and won't connect me with someone that can or will. They say that they do not give tax advice and I need to call the IRS. I have been told that management will contact me by email. That has not happened. I have emailed support through the app mid XXXX. Still no response. After the Cash App representative checks to see if it has been deposited, I am told that there is no more information they can give. After I ask for another number or to talk with management, they repeat that they have no more information to give me and hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

The backstory : In XX/XX/XXXX, my friend a realtor calls me to ask is everything okay with house. My response everything is great. He explains that the house was reported to the county for foreclosure. This was a shock to my wife and me. My wife calls the mortgage company Loan Care to find out the issue XX/XX/XXXX. Loan Care company said to contact the XXXX XXXX they will not talk to us. My wife contact the XXXX XXXX, the trustee states that we are behind in our mortgage payment of 6 months- {$14000.00}, my wife said how can this be we have proof of electronic payments to the Loan Care as well as the insurance being paid to XXXX out of the escrow company. The XXXX XXXX states we will not speak to you until payments are caught up, plus fines and legal fee ( {$24000.00} estimated ). My wife and me, tried to gather any money we could to pay this back by emptying are 401K ( {$20000.00} ), which we did not have enough. During this ordeal, we found out Loan Care in XXXX of XXXX to XXXX XXXX put the house in to foreclosure than removed without us every knowing, damage our credit even more. 

In XXXX, my wife and I contacted XXXX XXXX XXXX, with the understanding the law firm could stop the sale date, this did not happen. My wife and I were forced to sale the house XX/XX/XXXX the house for what was owned not what it was worth, to prevent foreclosure or bankruptcy. In XXXX, the law firm that was supposed to represent us, states that can not represent us, only after receiving payment of {$4000.00}. 

In the end, we lost our house, lost our mortgage payments, our credit-making it difficult to find a place to rent, lost our dignity, stressed out-family of 5 trying to hold it together. We did everything right, yet we are being punished with losing our home and our character.
Product: Payday loan

XX/XX/2016 I applied for a payday loan through Big Picture Loans. My application was recieved and I was authorized for a {$400.00} loan with a financing fee of {$140.00}. They said they needed addition to process the loan, They attempted to contact me via email and phone calls, to which I never responded. Eventually they notified my via email that the funds were approved ( although I never spoke with them to confirm or provide the information they were asking for ). The {$400.00} appeared in my bank XX/XX/XXXX. Beginning on XX/XX/XXXX I had my first payment withdrawn from my bank in the amount of {$140.00}. Since then I have paid {$140.00} every two weeks for a grand total of {$690.00}. Much more than the {$540.00} I was under the impression I would be paying. Since then I have further delved into the disclosures and have come to realize that the first several payments do n't even go towards the principal amount of the loan - they go into interest. As a matter of fact, I have learned that the actual payback amount of the loan is {$2200.00}. That is an interest charge of {$1800.00}. While this information is available, I feel it was very misleading and would have never agreed to this loan if I knew the full extent of the interest I was going to be charged. My loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am listing 1 account Fraudulent from my Experian and Equifax Credit Report. XXXX XXXX XX/XX/scrub>XXXX  Listed account do not belong to me and must be removed from my Experian and Equifax Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian and Equifax to mark this account fraudulent and remove from both of my Credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, transunion, XXXX  or XXXX. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

13.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I request that you eliminate the erroneous late payment from my account.
Product: Credit card

I have a Macy 's Credit card. I made a payment in full including the interest assessed on the balance on XXXX XXXX Macy 's charged an interest fee on XXXX XXXX XXXX XXXX and XXXX XXXX without any balance on the account, there was a charge in less than 30 days of additional XXXX $ on a previous XXXX $ interest- 100 % interest rate? Customer service has refunded the {$4.00} but ca n't give an explanation about how the recurring interest charge on XXXX balance is valid or reassurance that this will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with TransUnion, XXXX and XXXX. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!