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

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX [ U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF ED/GSL/ATL XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF EDXXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

The account is from XXXX XXXX XXXX on behalf of XXXX in the amount of {$890.00}. I have no knowledge of either of these companies, nor was I contacted or notified of any such charges. All of my personal accounts are in good standing. I would never allow anything to go into collections.

Upon my own research, there have been numerous instances of this same exact thing happening to other people. I have attempted to contact this company without success, the number given was provided after speaking with TransUnion. I need this removed from my credit report immediately because it's hindering me from obtaining my financial aid for XXXX XXXX. This is URGENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 4 ) ally finanl ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, I went to the Well Fargo bank ATM located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and made a deposit for {$900.00} and left the card at the ATM. When this happens, the cashier waits a few seconds and if they do not remove the card, the same cashier inserts it, in fact, it has happened to me other times. Within an hour I realized that I didn't have the card and called the bank immediately to cancel the card and no transactions appeared after forgetting it at the ATM. On XX/XX/XXXX, several transactions made with the card for XXXX, XXXX, XXXX appeared in the account. Call the bank and the bank refunded the money for all the transactions. On XX/XX/year>, I saw in the account two more transactions with the same card canceled for XXXX and XXXX made at the XXXX XXXX XXXX, immediately call the bank and make the claim. 60 days have passed and the bank has not wanted to give me the temporary credit and now they are telling me that they will not refund me anything because the XXXX XXXX XXXX  denied the claim. I mean three days after canceling the card they carry out these transactions and I ask how they authorized them if the card had been canceled three days ago.
Product: Credit reporting or other personal consumer reports

I value the effort taken to remove certain items from my file attributed to suspected fraudulent activity, yet there remain items that urgently need to be addressed. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of XXXX or any form of automated verification.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The credit card company is taking money out of my bank account for no reason and refuse to research where this money is going to. They have no authorization to do so.
Product: Debt collection

Subject : Formal Dispute and Legal Complaint Regarding Alleged Debt with Affirm Inc . 

I am writing to formally dispute any and all alleged debts claimed by Affirm Inc . I do not acknowledge any obligation to Affirm Inc. and assert my rights under the applicable federal laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
1. Revocation of Communication Rights Effective immediately, I revoke all permissions for Affirm Inc. to contact me through email, text messages, or phone calls. All future communication regarding this matter must be conducted exclusively via written correspondence to the address provided above. 
2. Request for Documentation To validate their claim, I demand that Affirm Inc. provide the following documentation : A copy of the purchase agreement or assignment between Affirm Inc. and the original creditor. 
Proof that Affirm Inc. is properly licensed and bonded to conduct debt collection activities in my state. 
3. Violations of Consumer Protection Laws I also bring to your attention the following violations committed by Affirm Inc. that infringe on my consumer rights : Failure to Provide Validation Information : Affirm Inc. has failed to provide the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, Affirm Inc. has reported this alleged debt to consumer reporting agencies, an action that is unlawful without prior validation. 
Lack of Opportunity to Dispute : Affirm Inc. has not given me the opportunity to dispute the account standing as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
False and Misleading Practices : Affirm Inc. has engaged in false, misleading, and deceptive practices in violation of federal law by attempting to collect an unvalidated debt and furnishing false information to consumer reporting agencies. 
Failure to Provide Required Disclosures : Affirm Inc. has no legal authority to report this alleged debt to consumer reporting agencies without providing all disclosures required by law, as outlined in 12 CFR 1006.34 ( d ). 
Violation of 15 USC 1681s-2 ( a ) : Affirm Inc. is in clear violation of 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without proper verification or disclosure. 
4. Demand for Immediate Action Until such time as Affirm Inc. provides all legally required documentation and validation, I demand the following actions : Immediate removal of the alleged debt from all consumer reporting agencies. 
Cessation of any further collection efforts. 
Please consider this letter as a formal dispute of the alleged debt and a complaint regarding the unlawful practices of Affirm Inc . I expect the CFPB to investigate this matter thoroughly and ensure my rights are upheld. 
Thank you for your attention to this matter. I look forward to a written response acknowledging receipt of this dispute and outlining the steps to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Comenity Bank issued credit cards for XXXX XXXX customers. The accounts were either sold to Bread Financial  or Comenity Bank changed its name to Bread Financial  in XX/XX/2022. At that time my account was fully paid off, and all accounts were closed to new purchases. It appears that they have stopped reporting to credit agencies, as all three show a balance of over {$3000.00} for my account. They agree it is XXXX.
Product: Checking or savings account

My phone was in purse it was taken by some known to me she shelled herself XXXX. Bu using my Face ID password. I didnt XXXX this account at all. They took it back.
Product: Checking or savings account

My debit card was stolen on XX/XX/2022. The card was used and charged at numerous locations amounting to a total of {$2800.00}. I did not have access to my phone at the time so I did not see the charges or alerts concerning fraud from Navy Fed. Once I was able to access my account and saw the charges I immediately froze my card and reported the fraud. The person who stole my card attempted to use it again multiple times after it was frozen. Navy fed has denied my claim stating there were legitimate purchases within the time frame that the card was stolen. They also stated that the chip function of the card was used so this does not constitute fraud.
Product: Credit card or prepaid card

On XX/XX/2022, initiated a dispute for an airfare ticket, after not having received a response from the airline in regards to my cancellation request sent to airline on XX/XX/2022. Emailed cancellation request was sent to airline following an attempt to cancel on the booking portal that directed me to cancel the ticket by direct contact with the airline. 

On XX/XX/2022, I received notification from Capital One that my dispute was being declined and soon thereafter I received some correspondence from Capital One requesting proof of cancellation. 

On XX/XX/2022, I provided via U.S. postal mail the following four documents as proof of my cancellation request. 
1. Correspondence to the airline, in this case XXXX, as indicated when the dispute was submitted, is enclosed herewith, and dated XX/XX/2022. 
2. Attempts to change/cancel the flight via the Capital One portal directed me to the Airlines Website. Please see enclosed screenshot indicating same 3. In addition, please see enclosed screenshot from the Airlines website indicating the ability to receive flight credit for cancelled flights. 
4. Finally, please note that I have no relationship with nor do I know any individual named XXXX XXXX XXXX, who is alleged to have supplied payment, as indicated on the enclosed booking confirmation email. 

On XX/XX/2022, I received an electronic letter from Capital One indicating there was nothing further they could do with regards to the dispute and directing me back to the non-responsive merchant in order to resolve the case. Please note, to date, I have not heard back from the merchant with regards to my cancellation request of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs is not properly updating credit reports for their Apple MasterCard. I have been trying to have my report updated but have not been assisted by Goldman Sachs at all. My XXXX report shows a {$630.00} balance and {$3000.00} credit limit last reported on XX/XX/XXXX ( see attached ). It should show a {$0.00} balance and a {$4500.00} credit limit, Ive attached both my XXXX and XXXX statements to show I payed my balance prior to the statement being issued and bother have a {$0.00} balance. Also heir representatives are clearly not trained to understand reporting either. The first representative I spoke with there told me that I simply needed to wait longer - even though my statement had cycled and it should have been reported already. The second employee I spoke with ID # XXXX just stated she would submit a dispute with XXXX, which makes no sense because they are the reporter and as such would just report correctly, not dispute their own information. All she could offer after was to note they needed to do a better job reporting, to whom this note would go is unknown as again, they are the reporters ( see attached ). This is unacceptable. It is now XX/XX/XXXX and I've had to enter my second dispute with XXXX ( who botched the first dispute ) to get this updated as it is still wrong, previously I had to file a complaint with XXXX for a similar issue. Goldman Sachs needs to be updating with the credit bureaus every 30 days. By not regularly updating credit reports, it harms the credit of borrowers who have paid off balances and/or had credit limits increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX  used my information and publicized it.
Product: Credit reporting or other personal consumer reports

I have had a card with XXXXXXXX XXXX  for years. Covid job loss got me behind on my payments. I got all of this caught up and closed the account in XX/XX/XXXX. I have asked on many occasions to change my pay date as it is a real problem for me. They refuse. I put in a payment in XX/XX/XXXX and they didnt process the payment for 3 days. They said the payment wasnt paid and I was charged a XXXX late fee and a XXXX returned check fee. It also took XXXX points from my equifax report for XXXX late payment. The card is consistently adding interest and fees, even though the account has been closed. They reported to a credit bureau that I was using 102 % of my credit when my limit is {$700.00} and I owe {$570.00}. That is not 102 %. They are XXXX to destroy peoples credit.
Product: Vehicle loan or lease

My motorcycle was stolen in between JXX/XX/XXXX-XX/XX/2019 and my insurance company XXXX payed the motorcycle off and I didn’t know I had a balance left over, which I payed once I found out about the unpaid amount. I called to talk to someone About my situation which they just blew off. So I filed with each credit agency to have the late payments removed for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 but they keep saying it’s accurate.. my account is 100% on time..
Product: Credit card

Dear Transunion, I recently disputed certain items on my credit report, and I have since received a response stating that the accounts in question were " verified. '' Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am formally requesting that you provide the method of verification used to confirm the accuracy of these accounts.

Please provide the following information within the legally required timeframe : 1. The name, address, and contact information of the entity that verified the disputed accounts.

2. A detailed explanation of how the verification process was conducted.

3. A copy of any documentation used in the verification process.

If you are unable to provide this information, you are required to delete the contested accounts from my credit file as per FCRA compliance. Failure to do so may constitute willful noncompliance and could result in legal action. 
Please respond within the timeframe mandated by the FCRA. I expect a reply no later than 30 days.
Product: Money transfer, virtual currency, or money service

I used my venmo app on my phone to send XXXX to secure a purchase. After I sent the money I noticed it charged my account three times. I called and sent notice to venmo the same day. The insured me that it wouldn't be a problem, and they would handle it. Well today they sent me an email saying that they can't do anything about it. This was on XX/XX/2020. 
Transactions from XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The person who received this money is not answering the phone. 
@ XXXX Last 4 digits of phone is XXXX
Product: Checking or savings account

The bright money app takes an excessive amount of money out of my account and makes make account overdrawn. I can not use the app to cancel membership due to it crashing. I have emailed, tried contacting on phone with no response by anyone.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had an unauthorized transaction happen in my Cashapp of XXXX from a car company. I filed a dispute with Cashapp and they denied it saying it was authorized by me and if it wasn't authorized by me I needed to reach out to the company. I don't have an account with them so the company was unable to help me. Cashapp refused to refund me the money or cancel the transaction so I lost all the money to a transaction I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I received my consumer report from XXXX. And apon inspection I noticed there were # XXXX Inquiries on my consumer report from # XXXX deceptive company 's. Company 's that I have no contact or open contract with .They are using TransUnion to report the derogatory misleading information to other creditor 's I have not given written permission or correspondence or seen a court order granting TransUnion the rights to disclose any or all derogatory information on my consumer report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX, Experian, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with XXXX 's, XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, Experian, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. 

Best Regards, XXXX XXXX, Concerned Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

i was in a covid XXXX program with XXXX XXXX  that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX XXXX  is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.
Product: Bank account or service

I am XXXX yrs old. Live on fix icome. I could not cover my mortgage payment so bank of America charged me a total of XXXX dollars XXXX nsf charges and XXXX XXXX fee for having my account negative. for 3 days. I spoke to them thet said they could only reimburse me XXXX. I told them I had contacted the bank but they could not do anything because it was automaticlly going to take XXXX tries to withdraw the money. Yet Bank of America still kept charging me nsf fees. Which I think is an abuse.