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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went in the bank where Im a member and ask for a loan that only requires your EIN number for business I was told over the phone it was offered but when I got to the branch they told me it didnt exist and ran my name and social for a different loan told me I was denied and sent me out
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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

Please delete my account from my credit report, as it exceeds the time reflected on my credit report
Product: Consumer Loan

Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. 
This Bank is going opposite I need help.
Product: Credit reporting or other personal consumer reports

My account TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA. 
Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 
These violations have caused significant inconvenience and financial loss I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit report that should not be. I have gotten documentation from the XXXX XXXX bankruptcy court stating they do not correspond with credit reporting agencies. I have gotten documentation from XXXX XXXX that the docket number to the bankruptcy in question is no longer reporting on their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 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, It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : are fraudulent accounts XXXX XXXX
Product: Checking or savings account

- Discover bank notified me via email on XX/XX/2022 at XXXX that my accounts were frozen ( see attached file titled " XXXX DIscover Frozen Accounts Emails.pdf '' - this file contains all 3 emails I received, one email per account with Discover Bank ). I was informed in this email that I must call them immediately. I attempted to call them on XX/XX/2022, XX/XX/2022, and XX/XX/2022 and was met with 1 hour or longer wait times each time. I finally reach Discover Bank on XX/XX/2022 around midnight. I was informed by the customer service agent that my account were frozen " due to a business decision. '' The representative could not provide further explanation. The representative informed that I would receive my funds " within 60 days. '' The representative offer to schedule a " supervisor call-back '' - I accepted. I was informed that the call-back would occur within 24 hours. As of this complaint, I have waited greater than 24 hours. I have not been called, emailed, or notified in any manner. 

- On XX/XX/2022 at XXXX I called Discover Bank again ( see attached file titled " XXXX Discover XXXX '' ). I explained my situation to the representative named XXXX XXXX supervisor 's name is XXXX XXXX. XXXX informed me that my accounts with Discover Bank were being handled by the fraud department. XXXX informed me that she could not elaborate further about the status of my accounts or on anything in relation to my accounts. I notified XXXX that I am filing a complaint with the FDIC and my state 's attorney general 's office. XXXX offered to file an internal complaint on my behalf- I accepted. XXXX could not provide a confirmation number for the internal complaint. 

- My 2 checking accounts and 1 savings account with Discover Bank hold nearly all of my liquid capital. Discover Bank froze my assets without notice and without cause. I am left penniless with bills coming due including credit card payments, rental payments, electricity payments, and home internet payments. This does not include the bare necessities I need to live like food, water, or transportation. I can not pay for anything because of the position Discover Bank has left me in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is Experian beyond adhering to the Fair Credit Reporting Act. I have contacted Experian over a 3 day time span and have tried to get them to place hard inquiries that are reporting on my credit report under dispute however this was met with great difficulty and an inability to have this done by several of their agents. These hard inquiries that they are reporting are not factual and I received the answer from each one of the representatives and supervisors I spoke with, XXXX on XX/XX/XXXX, XXXX who was a supervisor in the Disputes Department ( XXXX XXXX ) on XX/XX/XXXX, XXXX who was a supervisor in the Special Services Department ( XXXX XXXX ) who called me back on XX/XX/XXXX after I had reminded XXXX that a supervisor was to call me back from my previous call with XXXX, and lastly on XX/XX/XXXX XXXX in the Texas Office, all stated this information is factual and they must by law report who accessed the credit report and if I had any disputes I must reach out to the creditor.
They are directly violating the FCRA as it reads according to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if they do n't investigate and respond, the CRA must delete the dispute information from its files. The very fact, that 4 representatives refused to place the inquiries under dispute, constitutes hat there was NOT an investigation performed. I am submitting this complaint as there was no investigation done on my request for the hard inquiries that do n't belong to me. This is blantant violation of the FCRA and Experian knows better than what they are doing. Not only is this a violation of the FCRA but also a violation of my consumer rights. Just in case they need a refresher, these are the accounts that were requested. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/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 I would like them to comply with all applicable Acts.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

The credit reporting agencies continue to verify information on my credit report without consent. They have reported back that the account has been verified numerous times without providing the method of verification or providing an investigative consumer report. This leads me to believe these agencies are only pushing my documents through an E-Oscar machine and not taking reasonable procedures and verifying them accurately as they should pursuant to 15 USC 1681 ( b ) These agencies continue to furnish this specific extension of credit which is a direct violation of 15 USC 1681 ( a ) ( 2 ) ( B ). I the consumer also never gave written instruction to any of these agencies to furnish this alleged debt, and until these agencies can provide a certified document showing written authorization from I the consumer, each agency is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) and will be held liable for all violations committed against the I, the natural person. 

I have demanded a method of verification via certified mail w/ return receipt as of XX/XX/2022. 2 out of 3 of agencies have received the document and another is in transit as of XX/XX/2022 via U.S Postal Service. The continuation of furnishing this negative information without the method of verification or certified written consent from I the consumer, constitutes aggravated identity theft by each agency pursuant to 18 USC 1028A. I have CC 'd the Consumer Financial Protection Bureau and the Federal Trade Commission in each document to ensure each company takes proper procedures in doing their due diligence and to maintain fair and accurate reporting. 

The continuation of furnishing inaccurate information has withheld me from obtaining credit for my personal, family and household needs. I have worked tremendously hard to maintain a high credit score, and these agencies continue to ruin my reputation by reporting this inaccurate information.
Product: Credit card

My checking account was charged {$1900.00} on XX/XX/year> XXXX by " ASPIRE XXXX XXXX GA XXXX XXXX ''. I alerted my bank that morning, canceled my debit card and initiated an investigation. Then I attempted to contact Aspire XXXX XXXX using their on-line form. After waiting 2 days for a response, I called their customer service number. They will give me no information about the charge. Meanwhile, my bank has charged me {$43.00} in overdraft fees for this fraudulent charge. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit card

Credit Card was lost XX/XX/2023 new card was ordered and never received by me. All the transactions from XX/XX/XXXX forward were unauthorized fraudulent transactions that were not made by me. I have spoken to discover and the merchants. No resolution can be provided and I am being held responsible for transactions I did not authorize or make. There are transfer balances from XXXX and XXXX they show up as transfer balance that were also unauthorized and fraudulent transactions. I spoke to XXXX and credits were supposed to be given but they were not. XXXX was contacted per them it shows as the order was placed with my address and information however nothing arrived to my home. All these transactions and transfer balances are unauthorized and fraudulent and discover can not offer me a resolution.
Product: Credit reporting or other personal consumer reports

I did not make these inquiries. These inquiries are not mine and never applied for these. 15 USC 1681B. 

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: Checking or savings account

Experian was very misleading when they say FREE credit report. You log on and they say free for 7 days and after that they charge my checking account for {$24.00}. I tried to stop them, but couldn't find a way to stop them from charging me. They told me I don't have a FICO score and also no credit report because I don't owe anybody except mortgage. So they need to add {$24.00} back to my account. I tried to explain this to them, but all they did was give me page after page of alot of reterick and have not answered specifically my questions. Please help. I need to know how to stop them from continuing charge my checking account. It's not a problem with checking account. Didn't list anything I could use to select.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/1979. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
COURTESY 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 card

I am submitting this complaint against Chase Bank for denying fraud protection after I was deceived into an unauthorized charge of {$2300.00} on my account. Despite promptly reporting the incident and following all recommended procedures, Chase has refused to reimburse the fraudulent charge or acknowledge the incident as fraud. 

On XX/XX/year>, while in XXXX, I was approached by two individuals who claimed to be fundraising for funeral expenses due to XXXX XXXX. I agreed to donate {$10.00} via XXXX XXXX, writing this amount on their donation sheet along with my name and the date. They instructed me to hold my phone to theirs for the transaction but intentionally concealed their device so I couldnt see the amount being charged. XXXX XXXX does not display the transaction amount on the senders device. 

After the transaction, I realized I had not seen the charged amount and was not given a receipt. When I asked to verify the {$10.00} charge, they became evasive and eventually threatened me before fleeing. Upon checking my Chase app, I discovered an unauthorized charge of {$2300.00} from XXXX XXXX XXXX categorized under Automotive parts and accessories stores. 

I immediately reported the incident to the police and contacted Chase support. I was advised to wait until the transaction posted to dispute it. Once it posted on XX/XX/year>, I contacted Chases dispute line but was told that without a receipt indicating I intended to donate only {$10.00}, they could not assist me. I escalated the matter multiple times within Chase, filed a fraud report with their fraud department, and was initially promised a provisional credit pending investigation. 

However, on XX/XX/XXXX, I received a denial letter from Chase stating, You received benefit from this transaction. Further appeals, including a formal letter to Chases Office of the President, were unsuccessful. A representative from their executive office informed me that, according to Chases internal policy, scams are not considered fraud, and therefore they would not reimburse the charge. I pointed out that this policy was not disclosed in the cardholder agreement. 

In summary, I was deceived into an unauthorized {$2300.00} charge when I intended to donate only {$10.00}. Chase Bank has refused to acknowledge the incident as fraud and has declined to reimburse the charge. The bank cited internal policies not disclosed to customers, specifically that scams are not considered fraud. Despite promptly reporting the incident and following all procedures, I received inadequate assistance from Chase representatives.
Product: Money transfer, virtual currency, or money service

I had {$3000.00} in funds lost from my account without reasoning, and my account was closed and I emailed to inquire about the reason why and I never received any response.
Product: Debt collection

They said I had cable and internet but I have never had cable or internet with anyone ever
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Debt collection

I got a vehicle in XXXX of XXXX. The vehicle had a lot of problems from XXXX XXXX in XXXX XXXX TN and they refused to fix the issues. So we had to do a voluntary repo in XXXX of XXXX. Now I'm getting calls from Credit Acceptance wanting payment. They are threatening legal action and wanting me to pay an unfair payment for it to be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed several items with TransUnion and submitted proof to them in the form of a chat log from the original creditor that an item ( XXXX ) has never been late. They have failed to remove this information. I have resubmitted the dispute with the proof attached and they do not have the item even marked as in a disputed status. When I called in and asked them why it was not marked as disputed, they said they have exactly 5 days to do that. Today is 6 days since I have filed the dispute and they have not updated the information. Besides the XXXX account, there were other accounts that I submitted with proof besides XXXX that TransUnion has failed to at least mark as disputed.
Product: Student loan

To Whom  it may Co ncern : I had a loan since  XXXX  it was in forbearance for ten years. I finally made arrangements to repay my loan. My loan repayment started in  XXXX   XXXX  and its now  XXXX   XXXX . I was told in  XXXX  if I made 120 payments I would be able to get a loan foregiveness in  XXXX   XXXX . I just got off the phone  with Navient and was told I had 57  more months of payments. I find this ridicilous I already paid  XXXX  for a  XXXX   XXXX  dollar loan.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE UNTHORIZED INQUIRIES LISTED BELOW 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 XXXX