23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I fell victim to theft from multiple debit cards that I had. XXXX of those cards was my personal bank ( XXXX ) and the other was cash app. These cards were connected to gaming accounts online and thousands of dollars in transactions were made using both of them. I immediately reached out to the merchants involved in this scam. They sent me email confirmation of the unusual and suspicious activity and they immediately suspended the account. I then filed disputes with my bank ( XXXX ) who took action and got me part of my money returned. Then, I reached out to cash app for their help in filing the disputes on the cash app debit card because there were so many. They told me that they couldnt help me and that I had to do each transaction XXXX by XXXX. I proceeded to do this and before making it through even half of the transactions, CashApp emailed me in less than XXXX business day and informed me that all of the disputes were denied. I provided them the emails from the merchant themselves saying the account was compromised and the transactions werent legitimate. Cash app is not taking responsibility for immediately denying my disputes. They did not properly investigate these transactions and they certainly did not reach out to the merchants involved to even ask them about the transactions. After receiving the denial emails, I called cash app immediately to speak with someone about why they denied my claims. They kept saying someone would email me the reason and even hung up on me on multiple occasions. As a financial insured company they are required to investigate all disputes transactions and provide me provisional credit if a decision is not made within 10 days. I do not have an exact amount but the estimate is somewhere around {$30000.00} missing from my cash app account. I want them held accountable for making me feel like they are not there to help a customer in this type of horrible situation. Also I should mention that they closed my account so now Im unable to file any more disputes or do anything other that call them. Which is useless because they continue to tell me someone will reach out to me and nobody ever does.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : 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 XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX date : XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2022 XXXXnquiry date : XX/XX/2022 XXXX-Inquiry date : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$7500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports.

In accordance with the written instructions of the consumer to whom it relates Please remove
Product: Credit reporting or other personal consumer reports

As I get another worthless email from experian saying they are still working on the issue I pay another XXXX bill on time that's recorded on the experian and XXXX  website. Experian does nothing to address this issue but later closes the complaint with a letter saying something to the effect they can't insert something into my file, EXCUSE ME WHO ASKYOU TO DO THAT ASKING TO PUT BACK WHAT YOU STOLE FROM MY REPORT BUT MEAN WHILE PUSSH THE CREDIT CARDS HOURLY
Product: Vehicle loan or lease

I spoke with representative from the company advising them that I had been very sick and was in the hospital. Currently out on a leave from my job. I asked them if they could help me out with the covid19 situation thats going on right now. The first guy I spoke with said that hes notate my account and try to work with me. The very next day, another representative from this company who was very hostile and rude basically told me that they arent helping me and I would be getting daily late fees. DAILY LATE FEES DURING A WORLDWIDE PANDEMIC. I truly dont understand who has a heart to not want to help their customers. Providing information on covid19 on their website but not helping ANYONE. This is a very tough time and their actions shocked me. I ended up having to take out a loan from my 401k so that I could try to make the payments. Companies like this SHOULD RECEIVE NO BAIL OUT/STIMULUS MONEY because they are NOT for the people. Can you please look into the complaints and see how they go about running their fraudulent business adding numerous fees, and ridiculous interest rates?
Product: Consumer Loan

I leased a Regal Buick XX/XX/XXXX, 3 years ago through Ally. The term of the lease was 36 months with XXXX miles per year. I returned the car 2 months ago ( XX/XX/XXXX ) with only XXXX miles. I had still 2 months to terminate the lease and I was aware that I had to paid the remaining lease months, and I did. I left the car in an excellent condition with the normal use/ware of 3 years or XXXX miles. Ally did the inspection and determine that I had to pay for the tires. I paid on time all the lease payments and took very good care of that car, I consider an abuse from Ally to request that I pay them for new tires ( {$940.00} ) when I even under use the car ( XXXX miles less that the contract ) and was return in spotless condition.
Product: Vehicle loan or lease

My name is  XXXX   XXXX   XXXX  and I got a car loan from Santander consumer USA. The loan was to mature  XXXX . The original cost on the car was  XXXX . I put down  XXXX  dollars and my monthly payment is  XXXX  for 60 months. So far I have paid  XXXX  dollars plus and additional  XXXX  each month to submit my payment over the phone which abruptly stopped about 6 months ago. Just to make a payment I paid an additional  XXXX  dollars t o Santander consumer USA.      On top of all this, I has contacted the company about 3 months ago to pay off when I was told that an additional  XXXX  dollars has been added to my account. I was given a 10 days grace period and have been paying my bill on time for the pas t 5 1/2 year s until I was told that I was charged  XXXX  dollars for each day after the due day of   XXXX   XXXX   for all these years. I contacted them and they refused to do anything. Please help me,
Product: Credit card

On XX/XX/year> while trying to use my Apple Credit card issued by Goldman Sachs, they flagged my account for possible fraud and " restricted '' its usage. It is now XX/XX/year> and no one at Goldman Sachs has reached out to me to resolve this issue while I have made numerous attempts. They are making it impossible for me to use the credit card to make purchases. I have since paid the card balance to XXXX. Every time I call to get this " restriction '' lifted, I am advised that I will have to wait 10 business days. They continue to move the date further back every time I inquire rather than the original date of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Navy Federal has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan for late purpose.
Product: Consumer Loan

Voluntary Surrender, of vehicle. Had baby could n't pay for vehicle anymore. Was n't working.
Product: Debt collection

Midland funding keeps making false payments on my payment history record ; not even trying to be believable, saying I've made 1 & 2 dollar payments and when I dispute those payments they just remove them and add new ones. I do not like all the misleading activity and feel helpless. 
Please help me handle this by the Fair Debt Collection Practices Act Midland Funding should be removed from my credit report effective immediately. I have disputed many false payments made on my reports even payments of 1 & 2 dollars just to look later and they've added new false payments just different dates. 
I was unaware of all this until XXXX when I started to try & keep track of my credit. I actually forgot about all this because I have not made a payment on this since the XXXX of a loved XXXX XXXX. I believe they have been & are illegally trying to prolong their credit case against me & probably other people. 
ALL MIDLAND FUNDING ACCOUNTS NEEDS TO BE INVESTIGATED TO FIND ALL CRIMINAL ACTIVITY
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding Inaccurate and Incomplete Credit Reporting for Account # [ XXXX ] listed as XXXX XXXX XXXX XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I have the right to dispute inaccurate, incomplete, or untimely information and to expect maximum accuracy in the reporting of my credit information.

Upon reviewing my credit file, I have identified the following issues that need immediate investigation and resolution : Issues Identified XXXX. Failure to Report to [ XXXXEquifax ] XXXX This account is being reported only to XXXX and is not present on my [ TransUnion/Equifax ] report. This selective or inconsistent reporting leads to an incomplete representation of my credit history, potentially impacting my creditworthiness unfairly. 
FCRA Violation : FCRA 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer reports. Omitting this account from [ XXXXEquifax ] may result in an incomplete and inaccurate portrayal of my credit file. 
XXXX. Delayed or Untimely Reporting : The account shows a Last Reported date of XX/XX/year>, which is nearly a month after the Date of Last Payment ( XX/XX/year> ). This raises concerns about whether the account information is being updated promptly and accurately. 
FCRA Violation : FCRA 1681s-2 ( a ) ( 2 ) requires furnishers to provide accurate and timely updates to all credit bureaus.

3. Incomplete Account Comments or Notes : The Comments section is blank, with no notation of whether this account was previously disputed or resolved. If there were any prior disputes, the lack of notation violates FCRA requirements to reflect disputes accurately.

FCRA Violation : FCRA 1681s-2 ( a ) ( 3 ) requires that disputes and resolutions be reported to the credit bureaus clearly and promptly.

4. Impact of Selective Reporting : This account is only reported to XXXX, and its absence from [ XXXXEquifax ] could cause creditors to view an incomplete credit profile. This unfairly penalizes me and diminishes the integrity of my credit report.
Product: Debt collection

Received a notice of debt collection by a company named XXXX XXXX in the amount of {$2800.00} owed to Wells Fargo Bank. I contacted Wells Fargo Bank to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter of dispute. Experian opened and closed the dispute for XXXX XXXX XXXX  within 48 hours of receiving my letter with no change to reporting. The status date on the account still shows XX/XX/2021. I suspected there was no investigation. I followed up with a Method of Verification letter which I sent by certified mail. The letter was received XXXX. Experian opened another dispute and closed it XXXX and did not provide any methods of verification. Experian again failed to properly investigate a dispute and violated my rights according to the FCRA. I attached the original MOV letter, proof of delivery, and a screenshot of timeline of closed investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My outstanding complaint is filed under three Complaint ID 's :  XXXX, XXXX, XXXX, but there seems to be no way to leave this message under my existing screen - maybe because your agency has advised me that the Credit Bureaus have responded and my case is closed. 
I complained because my credit rating was sharply reduced after several months of doing absolutely nothing to cause that reduction ( no new accounts, every account paid on time and several reduced to XXXX - though I didn't close those accounts since that would be a negative consideration ) This is why I would like to reopen my complaint : The credit bureaus were not responsive to my complaint. As they have all done - exactly as in previous years - was simply send me my complete credit history and a note summarizing the factors considered when determining a credit rating. After reviewing their response, it simply confirmed that my credit rating should NOT have been reduced but should, in fact, have improved. 
When I went back to the bureaus to point this out, each of them responded by simply sending me another copy of my complete credit history and the same summary of how a credit rating is determined. 
Therefore, my complaint has certainly NOT been addressed and the Complaint Numbers should definitely remain open. 
I truly wish that your agency would follow-up with the credit agencies to let them know that it's infuriating to receive that kind of standard response despite the nature of a complaint. 
It would also be of enormous help if your agency made an effort to convince the credit bureaus that they should post information on-line which would allow anyone to determine exactly why their credit rating was reduced. This would, of course, reduce the number of complaints to the Credit Bureau ( and to your agency as well ), and  would be a wonderful way of teaching people how to maintain a good credit rating. 
Please, Please, Please let me know that my complaint is still being worked on, as I will pass it on to the two Virginia XXXX who received my original complaint. 
Thank you so very much ... ... ... ... ... .... XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. 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 maile
d or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX  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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a line of credit with XXXX. I was denied based on an experian report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting experian to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above 730
Product: Debt collection

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Product: Debt collection

On XX/XX/2020 Portfolio Recovery Associates, LLC lost a lawsuit they filed against me in the XXXX XXXX XXXX XXXX Florida in XXXX XXXX. See Case Number XXXX. The Court ruled against them because they could not prove owned the debt. Now they are parking it on my credit reports saying I have settlement with them that the Court also said they had no Authority to settle with the people involved in the case. Basically they were hoping that I would not show up in court so they could get a default judgement the trial started at XXXX XXXX  they when they realized I was in appearance they e Filed bogus settlement notice at XXXX XXXX. They are also trying to collect on another account from XXXX XXXX they have not provided any proof of contract between us such as complete Master Purchase and Sale Agree, Card member agreement or Forward flow contract with the alleged account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
Product: Checking or savings account

On XXXX, I mailed my payments from XXXX XXXX XXXX in XXXX, NV. We gave the head of housekeeping the bills that where addressed to Companies that I owe. She put them inside of a box that said out going mail. 
Check number XXXX, Made out to XXXX XXXX XXXX XXXX, In the amount of XXXX, it was electronically cashed by XXXX XXXX. 
I have filed complaints with Chase Bank 4-5 times. Every time they tell me that it is going to take 30-90 days. 
XXXX XXXX also cashed other checks electronically which was corrected by the bank. These checks were marked through the companies names and XXXX XXXX wrote her name in. 
the XXXX XXXX XXXX XXXX check number XXXX was not marked through by XXXX XXXX but she was able to cash electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX  and do not have a contract with Spring Oaks Capita Account # XXXX They do not provide me with a validation of the debt. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my Early Warning Services and XXXX XXXX has a bad score for me. 

I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Mohela placed my loans into the XXXX Plan forbearance at 0 % in the fall. However, in XXXX two days after making a payment all of the interest accrued during the forbearance was added to my loans and the interest rate was changed to 5.39 % in their system. Currently, my loans are still accruing interest. Mohela says student aid decides the interest rate, and student aid says the issue is in Mohela 's system. I am currently on the XXXX Plan forbearance until my new XXXX is processed.