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

Recently I did an investigation on my credit report and found several items listed to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my consumer credit report immediately : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$180.00} Account number XXXX Date opened XX/XX/XXXX Account type Open account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX {$350.00} Account name XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$180.00} Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold Account type Collection Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

This creditor is and has been reporting an account to my credit report that does not belong to me. 
I have never opened an account with that agency and I have not received documentation confirming I signed and acknowledged ownership.
Product: Checking or savings account

So on XX/XX/2021, I filed a complaint to Chase saying that, I had used my card on the website XXXX in order to buy {$700.00} worth of XXXX, and the website XXXX did not send the purchased goods to me, nor were they responsive to any of my questions requesting when I would receive my funds. I was issued a temporary credit through Chase while they looked into it, I thought all was fine until I receive and email from Chase saying, We found that the transactions were processed correctly or was authorized, as a result we are removing {$700.00} from your account. Even when I called the first time I said I can provide receipts and email receipts of me trying to contact XXXX and me not receiving the goods I paid for. This is truly disturbing, that Chase wouldnt even bother to contact me in order to ask for more evidence on my end ( which I wouldve gladly sent ) and just said the claim is over ...? The claim number was XXXX. I need help getting through to Chase about this claim and actually receiving my money back rightfully. Thank you!
Product: Credit reporting or other personal consumer reports

I have been reported 30 days late when I was not I called to make two payments on XXXX and have since made two more payments because I always pay more and Ive been reported 30 days late and want this corrected
Product: Credit reporting or other personal consumer reports

I have applied for a mortgage recently, the bank called and asked about a debt collection. I called said collection agency and disputed the charges. They agreed that the debt collection is not mine. The SS # does not match mine, only the DOB. I then called XXXX to dispute and was directed here.
Product: Debt collection

I had help paying this debt amount my bill of {$1100.00} plus {$210.00} still they want {$120.00}. I don't think I still owe that money to them since they got {$1300.00} on bill that was only {$1100.00}, they didn't get ahold of me until XXXX. My wife help me get paid off. My bill was in their office since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX 636992105291****Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$310.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> - my brother, who lives in XXXX XXXX, XXXX. Through his company transfer $ XXXX to my personal account aXXXX XXXX XXXX XXXXXXXX XXXX 

The intermediary bank for this international wire is Wells Fargo. 

Today, XXXX XXXX - XXXX business day later. They have not release the money to me, or return the money to the sender. 

I have call ( XXXX different occasions - spend hours of my time ) and met with the Regional Banking XXXX - XXXX XXXX XXXX at the XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX # XXXX Every time I have a call. They are evasive making excuses that the sender has to be on the line. When I get the sender on the line, say that they cant talk to more that XXXX person at the time. 

After XXXX minutes they just hang up. 

They have no supply reason for holding the money since XX/XX/year>. 

No communication to the sender or me. 

I cant believe that they can get away with this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX {$6500.00} 2. XXXX XXXX XXXX XXXX$750.00} 3.XXXX XXXX XXXX$600.00} Please see attached FTC report and identification
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not accepting my dispute for XXXX XXXX XXXX XXXX for {$260.00} or {$270.00} the collection is not accurate as the account was closed and equipment was returned and paid in full.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ( A ) of the FCRA - vou are required to promptly Delait 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 MUSi Be removed immediately do so TODAY, even right NOW! The obvious infractions are as follows : XXXX Creditor and Account as is reported on mv credit report : XXXX XXXXXXXX XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory Items be investigated and permanently removed from my report.
Product: Money transfer, virtual currency, or money service

Hello XXXX  friends : Im writing to tell my sad story with the hopes that you will understand and recognize your own part in the tragedy to the extent that you extend a gracious refund of the {$XXXX} that I have lost. After such a response my trust in XXXX will be restored, along with my serenity. 

I was trying to rent an apartment for my family in another state. The transaction seemed legitimate, so I proceeded to make the first payment. The renter offered me various options to make the payment, XXXX of which was XXXX. 

When I saw XXXX  as an option, I recognized it as the option my trusted bank -- XXXX XXXX XXXX -- uses and stands behind, so of course I picked XXXX. When I went to send the money, I was asked if this was a payment to an individual or a business -- almost exactly like XXXX before sending money ( see image ). I selected business, expecting that ( similar to XXXX business payments ) XXXX offered purchase protections. After sending the payment, I received a confirmation text from XXXX. I wasnt warned or asked to confirm that this transfer is irreversible, or that there were zero protections ; I was only asked if this was me, which I confirmed. I called to confirm the transaction with the recipient and immediately realized it was a scam. The XXXX  transaction showed it was processing and that the transaction was awaiting a fraud check. I called XXXX and immediately told them I wanted to stop the transaction. After multiple transfers and multiple agonizing holds I was invited to file a claim, but nobody seemed to know about how to stop a transaction that was still processing and awaiting a fraud check. 

You sent {$XXXX} to XXXX XXXX sent from account ending in XXXX to XXXX Confirmation : XXXX If you didnt make this transaction, please contact us. 
XXXX XXXX ( XXXX ) XXXX XXXX claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters via USPS Certified Mail requesting  that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). I have not received a response to any of my letters. I have sent a total of 4 letters to them over the last few months.
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 XXXX financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

On XX/XX/year> I opened a savings account and a checking account with Ally Bank. I deposited a check for {$30000.00} on XX/XX/XXXX into the savings account via the bank 's mobile app. I received an email on XX/XX/XXXX informing me that my account was frozen, and I proceeded to call the phone number provided in the email. My identity was confirmed ( through answering my security question, etc. ) and I answered a few questions regarding the check. I was subsequently informed that my account was frozen because the company suspected that the check or the transaction was fraudulent. The representative said that my responses were recorded and that they would be investigating the matter. During the following two weeks I periodically attempted log in to my account, without success. On XX/XX/XXXX ( 14 days after the initial deposit ) I called the bank again to request a status update regarding the account lockout, and was told that the the investigation was still underway. Upon asking if there was an estimated timeline regarding the unlocking of the account, or whether there was any additional information I could provide which might expedite the matter, I was given a " no '' to both. I was then informed that the last time an XXXX had worked on the account was on XXXX, XX/XX/XXXX, and that I could call back later to request an update. I have not been contacted regarding this matter with the exception of the initial email on the XXXX.
Product: Money transfer, virtual currency, or money service

I applied for the Apple credit card and was notified that all I needed to do was added XXXX XXXX wlet to use. Apple XXXX keeps making me apply again because I not using the correct apple ID. Contact apple to notify them that I never open through a different apple I'd but she in the process of fixing it The person that open account already called and close the account. They are able to pull up my social is so that I have had an account open but show that it was closed. Now theyre not allowing me to open up a new account because he keeps on denying me. Purchases which also made all my XXXX XXXX XXXX do you Apple and XXXX And I provide them all information and they are still unable to pull up any information even though I have receipts proving it. The person is calling in changing information and blocking my accounts so Im unable to access them and purchase anything to Apple. I have 10 college and I need to purchase equipment in order to finish my degree in an able to need assistance
Product: Student loan

XX/XX/2008 I went to the XXXX XXXX XXXX XXXX XXXX XXXX to talk to the financial advisors about enrolling in their program.. during my consultation I was strongly advised to register that day due to fees and admission exams being waved but they couldnt promise this if I decided to wait to enroll I was told that the financial aid wouldnt take long to apply for only 15min after explaining my credit was not good I was told no worries we can find a program to put you in I applied they told my I was awarded full pell and what my pell didnt cover I was awarded student loans only after the first term did they tell me that you miss a hr of a course you would time out and have to retake the class.. they then advised if you cant make it DONT come on the first day of the class because once you sit in the class and dont finish because you miss an hr you will have a failed grade they never said or explain they would charge twice for these classes if you choose to sit out so as to not get a failed grade after my first year I found a school in my area that was only {$5000.00} for the entire program I wanted to transfer but was informed that my entire cost of {$60000.00} for the school I was currently attending i would be still liable for even though I had 16mo left in the program.. which made me have to stay due to the financial strain once I graduated they told me I owed {$60000.00} I asked them how this was possible if I was awarded full pell.. I asked them to explain what my pell paid they refused to explain, told me I signed the contract, they stop returning or answering my calls and I have never been able to pay $ XXXX {$800.00} dollars a month since graduation this has kept me from getting a home, I have suffered in my relationship my mental health and financially since attendance of XXXX XXXX XXXX XXXX I would have never went if I knew I would have to pay the total amount of {$60000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of XXXX led me into believing that they had and an agreement with my credit union to get a credit application and maliciously took my personal information and submitted loan applications to 15 different lenders after I was already approved through my own credit union. This has caused my scores to drop and i was recently turned down for a loan because of too many inquiries. 

At the time of transaction the sales manager told me they would help me get the inquiries removed and has done nothing to help get this resolved
Product: Debt collection

I was a member of a one time XXXX XXXX challenge at a fitness center. It was advertised as needing so many members by a certain date and it would be free of charge once the several week XXXX XXXX   challenge was completed. Once I arrived I was informed I needed to pay a fee in which I did. I was unaware that after the program ended the company would falsely continue to take {$50.00} a month of my bank account through a third party Company. Once I spoke with my financial institution and contacted the third party Co ( In which there was always a recording, no live rep ) I closed the account to keep the Third Party Co. from continuously withdraw from my account that was not approved. The company had my  account info from when I had to pay the one time fee the day I attended the first visit for the XXXX XXXX   challenge. Now I'm receiving a collection notice for {$170.00} that is not owed.
Product: Debt collection

I originally purchased a car financed by XXXX XXXX XXXX. I had filed a BK XXXX and it was dismissed because I could n't complete payment plan established due to I was injured on the job. I was making on time payment up until the injury at work. After the BK was dismissed XXXX XXXX had the car towed by a tow company with a suspended license then repossessed the car. I was never informed about what happened to the car. I received notification that the debt was XXXX. I filed another complaint indicating that XXXX XXXX was still reporting the debt as missed payments when it was charged off. After reporting this to you FTC, they contacted me to explain why the amount went from {$7000.00} when it was in bk then it went to {$9000.00}. They reported it as {$12000.00} just recently and now have taken the account out of charged off status then added additional fees totaling $ XXXX. I asked XXXX how did it go from {$7000.00} to {$12000.00} and they tacked on additional fees and interest. After taking it out of charged off status they have sent to a collection agency only after my complaint and tacked on more money claiming additional interest. I purchased the car for {$9900.00} I put down {$2500.00} and made payments up until my injury. They added on additional which they stated for finance fees, I never signed a document for {$15000.00} because I never qualified for that amount. They stated that I qualified for the car at {$9900.00} but they added additional finance fees. They are becoming threatening. They denied reporting the account for missed payments but I still receive alerts for missed payments and have been for several months now. They are aware of my situation, they sold the car, I agreed to the repossession and the charge off per my attorney through BK. I feel that they are retaliating against me because I reported to you about their fraudulent reporting of missed payments for this account. I do not owe {$17000.00} for a {$9000.00} car that I no longer have. They never contacted me about payment arrangements after bk, they just picked up the car. I 'm a single mother paying high end rent and its not cheap. They are threatening my income. This debt statue of limitations runs out next year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint because my credit report contains accounts opened without my consent due to identity theft. Under FCRA Section 605 ( b ), I request the immediate deletion and blocking of these fraudulent accounts.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some efforts to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. This account needs to correct immediately : XXXX XXXXXXXX XXXX  XXXX XXXX : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX/XXXX   XXXX, XXXX  XXXX/XXXX XXXX ( account reported multiple times on my credit report ) XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), XXXX, XXXX XXXX