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

I am writing to formally dispute the reporting of an account on my credit report. The account in question is : Creditor Name : XXXX Reported Balance : {$200.00} Credit Limit XXXX {$70.00} Closure Date : XX/XX/XXXX I am a victim of identity theft, as documented in my FTC Identity Theft Report ( # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), particularly sections 15 U.S.C. 1681c-2, 1681e ( b ), and 1681s-2, I am entitled to accurate credit reporting and the removal of fraudulent information. Below, I have outlined the specific inaccuracies and discrepancies in the reporting of this account : 1. Inaccurate Closure Date vs. Reported Activity Issue : The account is marked as " Closed '' on XX/XX/XXXX, yet the report shows ongoing balances and payment history through XX/XX/XXXX. 
Violation : This discrepancy violates FCRA 1681e ( b ), which requires credit bureaus to ensure accurate and current reporting. A closed account can not legally or logically show activity beyond the closure date. 

2. Inaccurate Payment History Issue : Payment history inaccurately reflects missed payments from XXXX to XXXX, despite the account being marked as closed in XXXX. 
Violation : Reporting payment history for a closed account is inaccurate and misleading, further violating FCRA 1681e ( b ). Such errors unfairly harm my credit score.

3. Discrepancy in Last Payment Date Issue : The report shows a last payment date of XX/XX/XXXX, even though the account was closed on XX/XX/XXXX. 
Violation : This inconsistency demonstrates a failure to properly update or verify account information, violating FCRA 1681s-2 ( duty of furnishers to provide accurate and updated information ).

4. Balance Exceeds Credit Limit Issue : The reported balance of {$200.00} exceeds the credit limit of {$70.00}, reflecting a utilization rate of 298 %.

Violation : While high utilization may sometimes occur, reporting an inflated balance for a closed account indicates either error or fraudulent activity. This reporting harms my credit score and violates FCRA requirements for accuracy.

5. Incorrect Account Status Issue : The account is marked as " In Collections/Charge-Off '' as of XXXX, even though it was closed in XXXX. 
Violation : This misrepresentation of the accounts status is another violation of FCRA 1681e ( b ) and contributes to inaccurate reporting.

6. Conflicting Remarks Issue : The remarks section states Profit and loss write-off and Account closed by credit grantor in XXXX, yet the account shows ongoing balances and payments. 
Violation : This conflict in account details reflects incomplete and inaccurate data in violation of FCRA standards. 

7. Failure to Mark Account as Fraudulent Issue : Despite submitting my FTC Identity Theft Report ( # XXXX ), the account remains reported as valid. 

Violation : Under FCRA 1681c-2, credit bureaus are required to block fraudulent information when provided with an identity theft report. This failure to act violates my rights under federal law.
Product: Credit card or prepaid card

JPAY XXXX XXXX for Returning Citizens from XXXX. 

XXXX XXXX File No. XXXX I was released from California XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX and was given my release money on one of these JPAY cards. I tried to use it to set up utility accounts and order things online but was charged all kinds of fees, I was also charged a fee to transfer the money to another bank account and to get my cash off of it. 

All of the things mentioned in the consent decreee happened to me.
Product: Student loan

Entered repayment arrangement paid payments and still never got of wage garnishment. Resulted in homelessness of myself and children.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX- this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and has to be removed.
Product: Checking or savings account

My account was charged {$40.00} on XXXX at XXXX by a company that shows up as " XXXX Tx Verify '' with " XXXX., WY, XXXX '' as the description. Assuming the location is in Wyoming, as I've never heard of or dealt with this business. I am in and live in XXXX, Colorado, and had transactions literally 2 hours before this one at a XXXX gas station, where I put fuel in my wifes truck for the amount of {$45.00} exactly, which she sent me that same amount back to my account within 3 minutes. 

When I disputed the claim, XXXX  is now saying this is a " funding event '' for the fraudulent charge, even though clearly it was for the {$45.00} spent immediately prior. 

Now they're refusing my claim again after I asked for review from providing this information, questioning their competence and reading comprehension, stating it's denied due to " account history, spending history with the merchant/recipient, transaction data '' but can not, or will not, provide details of any prior history. 

My fraud claim is being denied again and I doubt they're even looking at it, because I was under the impression that if I didn't make the purchase ( clearly I didn't here ) I wasn't liable.
Product: Money transfer, virtual currency, or money service

( 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 anc address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces : 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 redres : for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( XXXX rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX  XXXX XXXX # XXXX. XXXX  XXXX : XXXX. XXXX  XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : XXXX, XXXX AND XXXX TRANSUNION My health is not good these three company stop my live got me really depressed.
Product: Credit card or prepaid card

I believe I was a victim of age discrimination in applying for a credit card because I am XXXX. 
In early XX/XX/2022 I applied for a " XXXX XXXX '' account ( XXXX  ) ( XXXX ) for dental expenses. [ " XXXX XXXX '' is issued by " XXXX XXXX  '' ] This was in response to a promotional brochure displayed in my dentist 's office. One of the offers was, up to {$10000.00} interest free payable in 24 monthly installments of {$410.00} XXXX. The application procedure required me to contact ( XXXX ) on a cell phone, XXXX or similar device. In addition to the usual information requests, they required a photograph of both sides of my driver 's license and a 5 second video of my face while moving my head from left to right. I found this difficult to complete within the time allotted and my application was denied. Over the next few days, I made more applications until I thought that I succeeded ; however, I was rejected again due to " Prior application submitted to recently '' I made several more attempts including by telephone and on-line direct. The last rejection ( s ) were due to " Application has risk factors that cause us to be unsure of your identity. '' On XXXX XXXX, I contacted both XXXX XXXX  and " XXXX. XXXX XXXX  '' and their response ( s ) were " I will get thee reason ( s ) in the mail in 7 to 10 days '' I believe I was rejected due to my age which is XXXX!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Bank OZK begins calling the day after a payment is due. Sometimes calling multiple times daily AND sending at least 1 email daily, sometimes 2. My husband lost his job and we got behind on 2 payments. They of course only attempt to call during the day and while I work longer hours than they state their business operates in, it is hard to get in contact with the company. Almost every voicemail that has been left on my phone is hateful and they seem annoyed to be doing their job. I have attempted to pay what was owed in 2 separate payments totaling {$900.00}, while the amount owed was {$750.00}. They sent a letter stating the original {$500.00} payment was refunded on XX/XX/22. Which as of XX/XX/22 it has not been, and the additional payment of {$400.00} made has not been posted to the account as of yet. In the letter stating they were refunding the payment they also stated they were moving forward to " repossess collateral ''. I highly doubt this is how a business should operate.
Product: Student loan

This was a charged off loan by ACS. After XXXX plus years of payments no monthly bills were sent to the correct address and no phone calls by them occurred asking for payments. They had cell phone numbers for my son as the recipient of the loan and my self as the cosigner. 
We were never contacted received no default notice. The only reason we are aware of the charge off is because of a credit report that was pulled in the last two weeks. I am more than willing to pay what is due but in the same token I have been personally damaged by erroneous filling by ACS to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I would like to request that the CFPB investigate my complaint against Mid Florida Financing. 

I financed a vehicle from Mid Florida Financing, My vehicle was illegally repossessed on XX/XX/2023 in XXXX, the peace was breached in this repossession because the company XXXX second Recovery almost ran me over during the repossession on XXXX XXXX XXXX. 

Mid Florida Financing or XXXX Second Recovery has not complied with any XXXX  State or Federal regulations or statutes to legally have possession of my vehicle. 

Mid Florida Financing informed me my vehicle was sold at the auction. 

Im requesting a bill of sale from the auction. 

Im requesting to know what company or parties the vehicle was sold to. 

Im requesting to know what date time and location was the auction for my vehicle.

Im requesting to know if I owe any balances from the sale of my vehicle from the auction. 

I will be filing a civil action in small claims court and lawsuit against Mid Florida Financing if any information on my credit report is incorrect or not accurate. 

I will be electing to update a new address on file to receive all notices from Mid Florida Financing. 

As of today XX/XX/2023 I havent received any notices from Mid Florida Financing detailing the auction or repossession of my vehicle. 

The new address I want to elect my notices from Mid Florida Financing mailed to is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Since XX/XX/2023 Mid Florida Financing has the wrong mailing address on file and I contacted Mid Florida Financing to elect for an updated address to receive my notices. 


I contacted XXXX XXXX requesting for the information to be updated and I requested for the usps tracking number for my notices. 

I will be filing new complaints with all XXXX State and Federal Agencies regarding my repossession and any information that is not correct on my credit report. 

Im requesting that Mid Florida Financing updated my account information to show on my credit report showing the balance I owe on the vehicle I financed from them. 

Mid Florida Financing can email me all details about my account.
Product: Credit reporting or other personal consumer reports

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. 

XXXX
Product: Credit reporting or other personal consumer reports

My report lists hard inquiries I didnt approve under 15 USC 16c-2. Theyre incorrect and must be removed.
Product: Debt collection

On XXXX XX/XX/XXXX, I sent a certified XXXX letter to Enhanced Recovery Company notifying them that I was not aware that their company was placing an account on my credit report. The company never followed up with a letter or verification after I sent that letter, the account continued to remain on my credit report. After that letter was sent the company continues to use tactics that are against the Fair Credit Reporting Act continues to age the account when not authorized to do so, with the most recent update in XX/XX/XXXX, I have had no contact with the company outside of the letter that was sent in XXXX. This company can not place an account on my credit report without notifying me by mail so I have the opportunity to dispute the debt and can not age a account to make it more current in order to keep on a consumer credit report. There needs to be an investigation that is done to see how many other consumers this company has done this to. I also contacted the originator of this debt and the company has not responded with a verification of the debt.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

Account XXXX XXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Checking or savings account

Two charges of {$9.00} and {$49.00} that happened on Sunday XXXX, Capital One post them like if they happened on Friday XXXX and charges me fees total of {$70.00}
Product: Debt collection

A COLLECTION HAS BEEN REPORTED TO MY CREDIT REPORT THAT IS NOT MINE.
Product: Checking or savings account

Hi, I opened my checking account with XXXX XXXX on XX/XX/2023, at that time I enrolled to the online banking at the branch, I never get the email confirming that the enrollment was succesfull. 
I tried to access using the credentials created but never allowed me to go in, I tried to reset the password several times without success. I sent emails to the representative who helped me opening the account but never replied, also I called customer service they said that my email is " wrong '' wich is XXXX XXXX from XXXX, XXXX from my last name, and XXXX XXXX XXXX ( my second last name ) Also I tried to enroll again and the bank replied that was not possible. 
I was requested to go the branch, something is impossible because I dont live in the XXXX XXXX right now im in XXXX XXXX
Product: Student loan

XXXX   XXXX   XXXX   Received e-mail notification from : FedLoan Servicing   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  regarding servicer message Account # :  XXXX , which stated : " As part of the Pay As You Earn  ( PAYE ) p lan, you are required to recertify annually, even if your income or family size has not changed. We needed this updated information to recalculate your monthly payment based on your income and family size.   Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Pay As You Earn ( PAYE ) plan. Your new monthly payment of {$360.00} is first due on  XX/XX/XXXX .   If you want to have your payment amount recalculated based on your income and family size, apply online '' A message was in my inbox on   XXXX   XXXX   XXXX   but I had not received an e-mail notification, the message stated I would need to recertify by   XXXX   XXXX   XXXX   but the deadline had already passed ( before I had been e-mailed by the servicer ).   On   XXXX   XXXX   XXXX   I completed and submitted my recertification forms, and included my  XXXX  tax form copies, but I received a response it was incomplete and to please resubmit/ On   XXXX   XXXX   XXXX  , I resubmitted recertification forms, but included my most recent pay-stub from my employer.   I received notice from the servicer that my forms had been received and that I would receive a response within  10  business days.   Today is   XXXX   XXXX   and my checking account has been debited {$360.00}, which I can not afford ( I had been approved for a PAYE plan of $  XXXX  month  ). I have not yet received a response from my servicer regarding my latest recertification submission.   I have attempted for several days to postpone payments or stop the debits from my account ( through an option on the servicer 's website ), but I receive a message that I can not postpone the payment at this time, and that I can not delete my checking account from the servicer website without first putting another account from which debits can be made. I can not afford {$360.00}, and I will not be able to afford more than $  XXXX /month for the foreseeable future as my wages are not likely to increase, at my present job as an  XXXX  in a state college system -- and in fact -- I am lucky to have a job at all, since there are pending reductions in the state college system in Florida.     Please help -- I can not pay another month at this rate or I will go bankrupt.