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

My card was stolen a couple of years ago and someone tried to scam with it from Bank of America. I was told to lock my card and I did so, but the next morning my account was frozen and couldnt get any of my money. I have been trying to get another bank account but they have denied access to me to get another one. The company told me that they would fix it and it still has not been fixed.
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.
Product: Credit reporting or other personal consumer reports

This account was initially charged off in XXXXXXXX XXXX. Since that time, the account has repeatedly been reported as charged off each month, which constitutes an ongoing and inaccurate update to the payment history. An account that has been charged off should not show an active or updated payment history, as this misrepresents the accounts true status and may artificially extend the statute of limitations. 

Your failure to investigate and address these inaccuracies properly, after I have asked multiple times for you to investigate, shows your company 's neglect to investigate and re-investigate this account and is a violation of my rights. Additionally, I consider this a deceptive business practice and will be reporting this to the Federal Trade Commission ( FTC ). Per15 U.S. Code 1681i - Procedure in case of disputed accuracy, you have 15 days to remove this account. I am demanding the deletion of this account from my consumer report : XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 
Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX Account Number : XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX  XXXX Account XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX This is not mine. 

XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account XXXX My parent has the same name as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several years I have been disputing several accounts on my Equifax credit report. All they keep doing is updating the accounts and marking verified or just updating them. I have asked for the method of verification several times and still haven't received it. Today while looking up my disputes I noticed that some of these disputes we're just 2 days then closed which means they didn't actually verify anything and that's why I haven't gotten the MOV that I have been asking for the last couple of years.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 or prepaid card

I paid with XXXX Credit Card XXXX Goldman Sachs XXXX the services on XXXX restaurant on XX/XX/2022. Total bill was split between two parties. I was responsible for US {$50.00} ONLY.

Apple card charged me US {$190.00} when I authorized and signed a voucher for US {$50.00}. I disputed the amount online and received a provisional credit of {$140.00} on XX/XX/2022. However, Apple card reversed the credit and charged me {$140.00} on XX/XX/2022. 
I am trying to dispute again, but I do not have any answer yet from Apple Card. 
I also contacted the merchant in XXXXXXXX XXXX  which was not willing to help. I will try again, hope a different manager is in charge. I do not have the receipt anymore, and I was requesting a copy of the signed receipt to the restaurant. However, they mentioned that credit cards solve disputes in a different way, and Apple card never has reached to them yet to solve the issue. 
I will not pay for a service that I did not buy and I did not authorize. 
Apple Card should investigate before charging whatever they want. I never signed or authorized a charge for {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Credit card or prepaid card

You paid this account out to XXXX and they closed the account. Now theyre asking for more money.XXXX. The account was closed when I paid the balance off.
Product: Credit reporting or other personal consumer reports

I have disputed this tradeline with Netcredit several times and they keep reporting misleading and inaccurate information on my credit report. They are not complying with the FCRA and are in violation.
Product: Credit card or prepaid card

I am writing concerning my experience with XXXX XXXX that is both a grateful thank-you and a pressing request concerning a tradeline in my credit files that I would like to have revised. 

I received my XXXX XXXX credit card in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX, XXXX and XXXX, I missed a couple payments that was a fault of my own. 

If you look at my history since XXXX I have made 95 % of my payments on time. I do have essential organizational and financial management skills. I desperately need my payment history to reflects that. I wish to thank you for your renewed confidence in me and for giving me positive relationship with XXXX XXXX XXXX that I am determined to keep untarnished. 

I'm about to begin the process of purchasing a new home. It has come to my attention that those few late payments may prevent me from taking full advantage of the best interest rates available. Since those late payments does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at XXXX XXXX, and I plead for such consideration. 

If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX
Product: Debt collection

This was settled in mediation court with a loss to both parties. The collection company continues to collect a debt that is false.
Product: Checking or savings account

I am writing to you to express my grievances with the following matter : Escalation issue tracking complaint case # XXXX. 

Wells Fargo Fraud detection team has erroneously marked our company 's XXXX  XXXX XXXX Business checking account which also belongs to our corporation as fraudulent and blocked all outgoing transfers to that account. This was a technical glitch as we have no reason to be blocked, and I have exhausted all resources in attempting to remedy the problem. We have been a loyal customer for many years and I am amazed at how there is nothing there can be done to remedy the problem. Please have someone from your company 's Fraud team communicate with XXXX XXXX of Wells Fargo ( XXXX ) XXXX, as he is very familiar with the details of this case. 

Frankly, I am shocked at how poorly this has been handled, Wells Fargo needs to do better.
Product: Consumer Loan

I reviewed my credit report and found an auto loan issued by CarMax Auto Finance, XXXX XXXX XXXX, XXXX, VA XXXX list. I do not have a car or loan with this company. I did accompany a friend to the CarMax dealership and he purchased a truck. At that time, the dealership indicated he ( XXXX XXXX ) was buying a car. They had me sign some paperwork. But I do not know what I signed and they did not provide me with documentation. I was approximately XXXX year old ' working XXXX. My income was sufficient to pay my own bills, but not someone else 's. The salesman indicated I would not be responsible for XXXX 's car payment. They just needed someone to vouch for him that had good credit. I live at home and have no " real '' assets. I am upset about this incident. I did not intend to or realize I would be liable for this debt or it would reflect on my credit report. I was pressured by the Saleman and XXXX XXXX. At the end, I really do not have any idea what I did. The dealer did not provide any information for me to keep. How can someone understand their obligation and responsibility if a company does not provide the information. They just kept telling me to " sign here '', etc ... I do not have an account number for XXXX XXXX 's loan. I do not believe the loan has been past due. However, neither the bank or the dealership has since communicated with me regarding the status of the loan. This is an unfair and deceptive act on the part of the salesman and the bank. If XXXX XXXX was not qualified for the credit, he should have been denied. The lender should not have insisted ( on the spot ) that I sign documents to support his loan. This has placed me in an aweful position as a young female. I do not believe the Car salesman would have treated a male " friend '' in the same manner. If XXXX XXXX needed someone else on his loan, the lender should have required someone with an income that would support XXXX 's payment and their own credit obligations. the bank should have required someone with sufficient savings or other assets to cover the loan. An unrelated-person should not be permitted ( or in this case ... pushed ) into a contract with another person. I did not understand the position the lender was placing me in when they asked me to sign documents that I did not understand. I did not agree and did not understand I would be responsible for this debt or the credit would show up on my credit report. Because neither the salesman or the bank provided me with documentation of the contract and other documents related to this transaction. I should be released from all obligations and the credit reported on my credit report should be removed. How can someone be held responsible for a contract if they were never provided copies of the contract or provided the opportunity to read and understand the documents/ situation. I have been bullied and harassed into this situation. The practices of CarMax and the salesman are unethical, unfair, and deceptive. I bet the salesman would be very upset if someone did this to their daughter or spouse. Please help me resolve this nightmare. thanks.
Product: Payday loan, title loan, or personal loan

I received an email where they admit they overcharged me {$2.00}. However, in order for them to send me this refund they are requiring me to link my bank account to their system, presumably so they can get access to my banking data. They say it is to verify the address to send the check to. Nonsense. There's no reason I should be required to link my bank account to their system to get they money they overcharged me back. Unless of course they never did overcharge me, and are using this as a way to access my bank data. The whole thing is fishy.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit. It is my understanding that Equifax, would investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Bought wedding rings XX/XX/XXXX with a promotional XXXX for 48mths. Then bought my husband a XXXX Chain necklace XXXX of XXXX with a promotional balance of 0 % for 12months. The firs promotional amount was XXXX XXXX monthly, then added was {$190.00} for the second purchase. So in calculations I paid XXXX to XX/XX/XXXX, XXXX XXXX monthly. I looked at my XXXX statement to see that i should only have {$100.00} paid to payoff the 0 % for 12 months. Instead I see a payoff for XXXX to be paid by XX/XX/XXXX. I didn't think this was correct, So I called the card services area and talked to a manager to express my concerns. I was informed by XXXX employee # XXXX the Manager of IDDEAL card services that their is nothing that can be done. I asked the company to apply the payments correctly that all {$200.00} extra payment to be applied correctly. I was told by XXXX, she understands my frustration but can't help me with options to correct the company error. So this company applied all these payments to the first promotional because it was at 9.99 % and company made a decision to apply it how they wanted it so I can be hindered with a 29.99 % if the balance wasn't paid in full when ultimately it should have been paid in full. This is credit robbery.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Cease Reporting of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding a matter involving inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX. I have provided evidence that the company is currently in default, and my case against them is in active litigation under case number XXXX. I have included all relevant documentation to support my claim, which you may review by referencing the provided case number. 
Despite my efforts to resolve this matter by sending notices and invoices XXXX XXXX XXXX XXXX XXXXXXXX, they continue to report inaccurate information to the credit bureaus. Additionally, there is inconsistency in how the three major credit bureausXXXX, Experian, and XXXXare reporting this information, further complicating the situation. 
According to the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681c and 1681s-2, creditors are obligated to report accurate information and to promptly correct any inaccuracies. By continuing to report inaccurate information and failing to investigate the evidence I have provided, [ XXXX XXXX ] is in violation of these provisions. 
Given the discrepancies in reporting and the ongoing litigation, I am requesting the removal of all late payments associated with this account from my credit reports. If this issue is not promptly resolved, I will be compelled to pursue further legal action to protect my rights and ensure compliance with the FCRA. 
I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX
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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consu
mer 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 Regulatio
n E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Payday loan, title loan, or personal loan

I am constantly being harassed about an alleged debt and what they're planning to do if I don't pay last date of harassment is XX/XX/2021 the date in which their default the letter says I owe them are incorrect. I inform the unidentified person who's calling me going by the name of XXXX to check with the IRS and the US Treasury concerning this debt. He continues to call me and see if I don't pay he's going to send it to legal whatever that means.
Product: Debt collection

This company Already sent me a letter promising in a green that they had no legal grounds to charge me for a collection on a missed appointment with no paperwork signed and simply just bought the debt with the assumption of guilt. It is important that the XXXX enforce the laws against such shady places that were promised to remove it from my credit and never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX  under my name and different social fraudulently I have reached out to XXXX  as well as debtors both have not corrected this fraudulent information for account XXXX  XXXX that begins or ends with XXXX
Product: Credit card or prepaid card

In response to a prior complaint re a bait and switch scheme advertised by Capital One, the company promised to reimburse {$100.00}. I received a letter asking for return of a completed XXXX form, but without any instructions as to where or how to return the completed form ( no mailing address, fax number, email, etc. in the letter ). I immediately returned the completed form to the mailing address from which the letter was originally sent. The completed form was mailed out on XX/XX/2018. Over six weeks has passed and I have still not received the promised  reimbursement nor any further communications from Capital One ( despite including this same information in my feedback to its response to my original complaint over two weeks ago ).