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

On Thursday ( XX/XX/22 ) I attempt to take out {$260.00} from an ATM located in the XXXX XXXX ( XXXX, IL XXXX ). I was charged the following fees and money deducted from balance but the ATM did not dispense money. 

Amount - {$260.00} Fee from Cash App - {$2.00} Fee from ATM Owner - {$15.00} Total - {$270.00} Note : I tried take a lesser amount ( {$210.00} and {$160.00} ) and the transactions was decline and that is when I realized I was charge but did not get money. 

This is my first time ever having an ATM not give me my money. When this happen I was mad and ended up going home.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized access to my personal and student loan information on XX/XX/XXXX by individuals or entities associated with Dogecoin ( DOGE ) and XXXX XXXX. I believe this action constitutes a violation of my rights under the Privacy Act of XXXX and the Family Educational Rights and Privacy Act ( FERPA ). 

I am concerned that sensitive personal data, including information related to my student loans, has been improperly accessed or disclosed without my consent. This unauthorized access has negatively impacted my credit report and financial standing, and I believe these actions are in direct violation of federal law designed to protect personal and educational information. 

Details of the Incident : Unauthorized access to my student loan information at the Department of Education. 
Violation of the Privacy Act and FERPA. 
Impact on my credit report and overall financial well-being due to these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor file XXXX this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the XXXX is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute inaccuracies reported on my credit report regarding my account with XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request that you investigate the matter, verify the information, and correct any discrepancies. The specific account details in question are as follows : - Creditor Name : XXXX XXXX XXXX  - Account XXXX - Nature of Dispute : Inaccuracies in payment history, account utilization, and delinquency reporting.

Specific Issues : 1. Payment History Accuracy : - The report indicates that I have made 73 % of payments on time, but no detailed payment history is shown for specific months. The status indicates " Current '' as of XX/XX/XXXX, with no past-due amounts, which contradicts any delinquency claims. 

XXXX. Worst Payment Status : - The report shows XXXX instances of being 30 days late and 1 instance of being 60 days late, but no specific dates or verification of these occurrences are provided. This vague and unverifiable reporting negatively impacts my credit score and should be corrected.

3. Utilization Reporting Error : - The reported utilization of 105 % is inaccurate. The credit limit is {$300.00}, and the balance is listed as {$310.00}, which does not justify exceeding 100 % utilization without further clarification.

Violations of the FCRA : Under the FCRA, you are required to ensure the accuracy and completeness of the information reported : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The inconsistencies and lack of clarity in the reporting violate this provision.

- 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, you are obligated to conduct a thorough reinvestigation and provide evidence to substantiate the reported information.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If information can not be verified, it must be corrected or deleted from my report.

Requested Actions : 1. Conduct a full reinvestigation into the accuracy of the reported payment history, utilization, and delinquency claims for this account. 
XXXX. Provide verification of the reported payment delinquencies, including specific dates and amounts. If the information can not be verified, I request that it be removed from my credit file. 
XXXX. Correct the utilization reporting error and reflect accurate credit usage data. 
XXXX. Provide me with a written summary of your findings and an updated credit report. 

If the inaccuracies are not resolved within the legally mandated 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take legal action under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your response. 

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

I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete, due to 15 U.S. Code 6802. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation :
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information XXXX be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus TransUnion and XXXX who are allowing XXXX XXXX  to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Mortgage

Hello. Approximately 6 months ago I refinanced with NFM Lending. They are currently servicing my loan. At the time of the refinance, my property taxes were approximately {$15000.00} a year. Almost immediately after the refinance my property taxes were reduced to approximately {$11000.00} a year. I have made multiple efforts by phone and email to NFM to have an escrow analysis done to ( 1 ) adjust my escrow payments accordingly as I am paying around {$400.00} a month too much into escrow and ( 2 ) refund my escrow overage. Nothing has happened.

The tax adjustment was retroactive, so there is also a credit with my county which I have been asking NFM to apply to my next tax payment, as the county will not issue me a refund, only a credit or a refund to my previous mortgage lender. I provided NFM an email from the county treasurer 's office to me in that regard. NFM has been equally unresponsive in assisting with that. That credit is approximately {$7000.00}.

In communications NFM referenced its " escrow department. '' I have asked for a contact at the escrow department or some way to get movement on what seems like a pretty simple issue. I was told there was no contact info they could provide me with for the escrow department.

Any help would be appreciated.
Product: Credit card

I had XXXX credit card accounts with Chase bank back in XXXX. XXXX went into default and I eventually settled XXXX of them with Chase in XXXX 2010 using my Chase Checking account to make the payments ... years later Chase either sold or " placed '' a settled account with XXXX XXXX and now XXXX XXXX has been on my credit report and has been trying to collect on me for years. I have written to Chase and to XXXX multiple times over the years and have filed formal disputes with XXXX and XXXX. XXXX finally deleted this false report but XXXX did n't, and I have no idea what XXXX shows. Regardless, I have made multiple efforts over the years to get XXXX and Chase to validate this alleged debt and they have failed to do so each time. I feel as if I have no other possible recourse to resolve this matter because my written disputes are essentially ignored by XXXX and they make absolutely zero effort or attempt to validate their debt and supposed claim to be able to have this on my credit. XXXX also provided no specific response other than to say they are updating my report to reflect that I have disputed this, but they did n't address the substance of my claim or Midlands complete refusal to validate the debt they are claiming is owed. 

Please help me find someone, somewhere, who can help make XXXX accountable for their own obligation of validating an alleged debt, because they flat out refuse to do it on their own.
Product: Prepaid card

I have experienced extremely long holding times with Comerica bank and have been cut off from my SSI money. That gets direct deposit onto One of there cards. Getting denied ever place I go trying to get money orders to pay for my bills, like my rent and my car payment. I can't buy food or pay for scripts or take my senior dog to the vet to get his XXXXXXXX XXXX  cuz it's failing and the vet won't release more medicine for him until this is done. I can't work cuz I have XXXX XXXX and XXXX XXXX XXXX  This is very wrong.
Product: Credit card or prepaid card

I recently tried to pay off {$300.00} on my First Progress secured card and sent a check through my bank to their PO box for the amount of {$300.00}. After they received the check they only put {$100.00} on my account. I was told to confirm with the bank and provide a copy of my bank statement then fax the statement in. I spoke with my bank and they said that the check was sent for {$300.00} and was received by First Progress for {$300.00} and that the full amount has for certain been subtracted from my checking account. I then called First Progress after providing the statement and informing them what my bank had told me. After a week of troubles trying to resolve this I still am missing the {$200.00} and First Progress has been no help to me and has refused to fix this issue and keeps asking for different types of information every time I talk to a representative.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court.

Specifically, XXXX, XXXX and Experian are relying on XXXX XXXX, not the Court, and are reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. The information is different and inaccurate. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Product: Checking or savings account

Robinhood cash card account customer service and disputes team neglect my need for help when filing a dispute they have not listed all charges and when they do file a dispute they dont help me at all they deny my claims for unauthorized transactions every time they send a new card then deem the transaction valid when its not valid Ive asked and called them multiple times to solve this issue. Most recently I filed disputes on XX/XX/2022 and they deemed the transactions valid then I cant list all transactions because they wont allow me I have not had access to my account someone was using my card my phone was stolen and they never help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX
Product: Mortgage

Ill need to get the exact dates but during 2009, I received a social security XXXX back pay check for a little over {$25000.00}. I used around {$24000.00} to pay off my Wells Fargo Mortgage. I went to my branch with an appointment with the branch manager to ensure there were no snags. 
During the next three months, I kept noticing that the huge amount would go in and out of my checking account and my mortgage had not been paid off. I still made payments. 
After three months, I contacted the XXXX  and filed a complaint. 
Soon after, a WF lady in Iowa called me and helped me finally get my mortgage paid off. 
When I asked her for my interest for having {$24000.00} of my money for three months, she said that would never happen. That its simply my loss. 

I ask for that compounded interest that is owed to this day from that date I deposited the check to this very day. 
It should be a sizeable amount by now and in addition, I deserve a sizeable pay out for emotional duress and hardship due to their gross negligence and thievery. 

Everyone knows they robbed me of what was and is rightfully mine! 
I can locate the amounts and dates.
Product: Credit reporting or other personal consumer reports

Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the FBI, XXXX XXXX, Social Security, XXXX and the XXXX XXXX XXXX. The problem is that the XXXX XXXX, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.
Product: Debt collection

Credit control for XXXX XXXX repeatedly calling emailing and sending letters with various amounts and i was a vi tim of identity fraud there for this charge wasn't mine to begin with
Product: Credit reporting, credit repair services, or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance : {$2300.00} XXXX XXXXXX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX Balance : {$1100.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$640.00}XX/XX/XXXXXXXX XXXX ( Original creditor : XXXXXX/XX/XXXXXXXX Balance : {$580.00} XXXX XXXX LL XXXX Balance : {$930.00} XXXX XX/XX/XXXX ( Original creditor : XX/XX/XXXX XXXX Balance : {$870.00} XX/XX/XXXX ( Original creditor : XX/XX/XXXXXXXX Balance : {$300.00}
Product: Money transfer, virtual currency, or money service

The email associated with my Venmo account is XXXX XXXX had sold a {$2000.00} item on Venmo, which was my preferred payment method, as I was under the impression that once a payment was sent, it could not be reversed. I was wrong. 

After selling the item, I transferred the money to my bank. Two weeks later, I received an email from Venmo stating I owed them {$2000.00} because the charge had been reversed. 

I sent them all proof I have of the scammer acknowledging paying me, and acknowledging receiving the item. This was on both XXXX XXXX and XXXX. I ask for these over text for situations like this. 

After doing my research and connecting with dozens of victims of this ( apparently very common ) scam, it is clear to me Venmo will not be restoring my account. They have not for any victim I have spoken to. 

I have also found many other accounts under the same name and photo as the one I was scammed by. 

I am extremely disappointed that Venmo continues to allow scammers on their platform, sides with the scammers, and has put no protections or education for users. I will continue to fight this.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with XXXX XXXX standards and the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting Agencies : XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax shows a balance of {$0.00}, XXXX XXXX XXXX XXXX owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols. 
2. Non-Uniform Reporting of Late Payments o The account shows 30-day late payment markers inconsistently across bureaus. 
These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information.

3. Incorrect Comments and Status o XXXX has marked this account with a comment indicating " Dispute Resolved - Reported by Grantor, '' while XXXX lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623.

4. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within 30 days of receipt of this letter, you : 1. Rectify and synchronize the account balances and late payment records across all reporting bureaus. 
2. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated.

3. Ensure that all comments and account statuses are consistent across XXXX, Equifax, and XXXX. 
4. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

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.