23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I was told when by the salesmen that the interest rate was high because I was still building/ repairing credit, but I would be able to bring this car back in 6 months of on time payments to get an SUV and better interest rate. I was advised the owner of the dealership was one of the owners of the Finical institution. After 6 months of on time payments I returned and my credit was ran all over causing negative impact on my credit report to be told that I couldn't get approved unless I put money down. Keep in mind I just put {$5500.00} down when I purchased the vehicle that I am still paying on. After one year of 100 % on time payments I called the Finacial Institute " STAT Financial '' XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and asked for options refinancing my loan for a lower interest rate. I was told that they do not offer that option. I could try to get a loan with another bank or trade the vehicle in but that I was responsible until the end of my term. This is such a scam, I have been in this loan with 24.90 % APR 100 % on time payments for almost 4 years and there is nothing that they will do to correct this.
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 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 hardship and I seek appropriate redress for these violations.
Product: Debt collection

After reviewing my credit report ( s ), I was surprised that XXXX was reporting an alleged debt with XXXX, which I had previously disputed with First National Collection Bureau ( " FNCB '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to FNCB, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding First National Collection Bureau.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the relevant credit bureau ( Equifax ) requesting that they verify the accuracy and legitimacy of this account in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify this account correctly, despite their legal obligation to do so. As a result, these charge-off account remains on my credit report, causing significant harm to my credit score and overall financial situation. 

The detail of the account appears as follows : Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/year> Since the credit bureau could not verify the accuracy of this account, I have reason to believe this account is fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent account remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : the dispute letter, FTC report, identity and address documents, account disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting or other personal consumer reports

Account # XXXX Subject : Request for Investigation into Credit Reporting Inaccuracies Dear CFPB Team, I am writing to bring to your attention an ongoing issue I have encountered with the three major credit bureausXX/XX/XXXX XXXX, and Experianregarding my XXXX XXXX account. 

Recently, I submitted a letter to the bureaus requesting an investigation into inaccuracies on my credit report associated with this account. XXXX responded, stating they conducted an investigation and verified the account ; however, XXXX and Experian failed to respond. 

In a follow-up letter, I once again highlighted the inaccuracies I observed, yet the account was verified once more. I am perplexed by how this account could be verified when it contains several significant inaccuracies. Notably, the account is reporting as past due despite being a charged-off account. My understanding is that charged-off accounts should not be reported as past due. Additionally, the account appears to be illegally re-aging itself each month, and the reported date of last activity is incorrect. 

I reached out to XXXX XXXX directly, and the letter I received from them contradicts the information reflected on my credit report. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 

Furthermore, I have learned that all three bureaus are currently facing lawsuits and investigations for failing to conduct proper investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA, it is the responsibility of the credit bureaus to report complete and accurate information. 

In light of these issues, I have also filed a report with the Federal Trade Commission ( FTC ) regarding potential fraud and the deliberate reporting of inaccurate information by these bureaus. 

I kindly request that the CFPB look into this matter and provide guidance on how I can ensure that my rights are upheld and my credit report accurately reflects my financial history. Your assistance in addressing this issue would be greatly appreciated. 

I will attach the letter from XXXX XXXX & all of my correspondence with the bureaus to this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I signed up for a Chase XXXX XXXX  and was approved with a limit of {$3500.00}. 

Since I've received this card, i've been trying nonstop to create an account. When I called Chase Customer Services, they said they locked me out of my account because I failed an identification question ( something about a street I was associated with ), and was told I would get a call within XXXX hours. This was on XXXX. It's now XXXX. I still can not create an account. 

Even when I am trying to create the login myself, it doesn't allow me too. However, I can continue to use my card. This is completely messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried correcting this issue but my balance is continuously being reported incorrectly. On XXXX  there was an update which says {$100000.00} which is not my balance. It previously said {$76000.00} which i have been trying to correct. Some of my loans has been discharged. The balances on both Nelnet as well as studentaid.gov says {$30000.00}. This needs to be corrected.
Product: Credit reporting or other personal consumer reports

consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies XXXX, Equifax and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 XXXX IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED XXXX PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Product: Credit reporting or other personal consumer reports

a victim of a severe form of trafficking in persons, as defined under 22 U.S.C. 7102 ( 11 ), or sex trafficking under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
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 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finical loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, Transunion and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX  due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force XXXX XXXX to update this account the representative called XXXX with XXXX while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022
Product: Payday loan, title loan, or personal loan

I was solicited by Bank of America. I had a high rating for many years. The entire process was as told by the promotion person was recorded. 
The agreement was for {$15000.00} leaving a balance of credit with my account. 
The terms were " Interest free for 17 months for a fee of 3 % ''. I paid off the balance I had and agreed to pay the {$450.00}. 
Soon I saw rather large interest payments on a small recurring XXXX monthly charge. 
I called several times and never got a reasonable reason. 
I removed the recurring XXXX charges and started getting very large monthly fees. 
I went to a advisor who represented me on a call and was listening to the same unfounded reasoning about the charges. He was told to hold on after 3 different representatives and talk to the promotion department. There was no more conversation they hung up on him. 
I am a 82 years of age and have these monthly charges I do not deserve. I also believe I was targeted because of my age. The XXXX XXXXXXXX of NY XXXX XXXX guided me to your office.
Product: Credit card or prepaid card

I have an American Express Hilton Surpass Card that is supposed to earn 6 point per dollar spent at US Gas Station, US Super Markets and US restaurants. I identified two merchants that were earning me XXXX points instead of the XXXX and contacted American Express classifies these two merchants as a gas station and a restaurant and is refusing to correct the error. A very preliminary calculation of the shortfall in points returns a  values of no less than XXXX missing points.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge-off account that has been reported on my credit report, which I believe is inaccurate. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation of the following account.

On my Kikoff account one account is showing closed and one is showing open since this information is inaccurate I would like this removed off my credit report confirmation of your findings. If you find the information to be inaccurate, I expect the item to be corrected or removed promptly. 

Under the FCRA, you are required to complete your investigation within 30 days. Please notify me in writing once the investigation is complete.
Product: Credit card or prepaid card

I have spent XXXX $ already trying to resolve a billing dispute of XXXX $ that was resolved on both ends but not honored. I sent certified mail for a billing dispute through Macys fraud form which there support sent me, and was told thats not the correct way to report what happened then had to send proof that they did not send me the billing adjustment through a fax it is now close to three months later no dispute resolved. The fax i sent all the way from XX/XX/XXXX, and certified mail XX/XX/XXXX. This issue was addressed repeatedly with Macys credit card department all the way since XXXX
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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XX/XX/XXXX Car Insurance Amount XXXX I got sick with XXXX which i had no control over i could not work once i was able to go back to work i paid vehicle off they told me once i pay auto loan off they will remove the account off my credit they never did Please consider having this removed off my credit my life was turned upside down due to XXXX I am trying to rebuild but this is a stumbling block I disputed this several times no action was taken it is included on all three credit reports Experian, XXXX and XXXX thank you for taking the time to hear me out. Sincerly, XXXX XXXX 15 USC 1681 Section 602 A States I have a right to my Privacy 15 USC 1681 Section 604 A section 2 15 USC 1681 C. ( A x 5 ) 15 USC 1681 S-2 ( A x ) 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,.