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

I m a fraud victim from XXXX since 4 months ago and the bank still doesnt do anything to resolve of refund my money. I been calling almost 3 or 4 times for weeks send all the documents they asked me for it along with the police report and havent received anything from them.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian for mishandling disputes and violating consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ) and the No Surprises Act. Experian has included inaccurate and unlawful information on my credit report, despite multiple disputes, and has refused to remove these entries. 

Specific Issues : XXXX. Medical Bills on My Credit Report : Under the No Surprises Act, medical debts arising from surprise billing or billing disputes are prohibited from being included in credit reports until they are resolved. Despite this law, Experian has unlawfully added medical bills to my credit report, even though they do not belong to me. 

XXXX. Accounts That Are Not Mine : Experian has included accounts on my credit report that are not mine and are not reported on my other credit reports ( XXXX and XXXX ). This inconsistency raises serious concerns about Experian 's adherence to the FCRA, which requires consumer reporting agencies to maintain maximum accuracy and investigate disputes thoroughly. 

Violation of Consumer Protection Laws : - Fair Credit Reporting Act ( FCRA ) : Experian has violated my rights under the FCRA by failing to : - Conduct a reasonable investigation into my disputes. 
- Remove inaccurate or unverifiable information after I submitted multiple disputes. 
- Ensure the accuracy of information furnished to them.

12CFR 1032 regulation V ( No medical bills ) - No Surprises Act : By reporting unresolved medical debts on my credit report, Experian is in violation of federal protections that specifically bar the reporting of medical bills without proper resolution.

Harm Caused : These inaccuracies have negatively impacted my credit score, caused financial harm, and resulted in emotional distress. I have attempted to resolve this matter with Experian directly, but they have repeatedly ignored their legal obligations. 


Thank you for your attention to this matter. Please let me know if further information is required.
Product: Student loan

My original loan was $ XXXX in XXXX with XXXX XXXX. After graduation I was not making enough to repay the loans so I deferred and had many forbarences, continuing to grow interest. Fast forward to XXXX, my loans have doubled. I went back to school in XXXX because I was still not making enough to repay the loans, {$600.00} per month is what was required. I am no longer able to defer or go into forbearance. 
XXXX XXXX XXXX claimed they would consolidate/refinance my federal loan and had this GREAT offer for me! Income driven repayment {$54.00} per month the first year, it would gradually increase over the years, and by the XXXX year the rest of the loan would be forgiven. They sold my loan to XXXX, turns out it was a 20 year loan and nothing will be forgiven. The person who set this up, XXXX is his name, lied to me, and I trusted them. 

Now, I still have $ XXXX with Navient. I am currently on income driven repayment at {$240.00} per month. Next year that will go up. I am still barely able to make these payments. 
I tried looking into the lawsuit against XXXX XXXX XXXX, and tried to get in on that class action lawsuit because I fit right in with that group of students who were promised a large salary job and it never happened. 

Any help or advise I can get will be greatly appreciated! 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX on my credit reports with XXXX and TransUnion. The inaccurate reporting by XXXX XXXX has led to significant discrepancies in my credit reports, negatively impacting my creditworthiness and financial standing. 

The account in question, XXXX, has been reported differently by XXXX and TransUnion. XXXX reports the account as being 120 days late, while TransUnion reports the account as being charged off. Additionally, there are discrepancies in the reported balances, with XXXX reporting a balance of {$1000.00} and TransUnion reporting a balance of {$1000.00}. Other discrepancies would be the reflected 90 days late. XXXX is reflecting two separate dates XX/XX/2023 & XX/XX/2023, and this is inaccurate and harmful to my creditworthiness. 

Furthermore, there are inconsistencies in the reporting of payment history. XXXX reports a good standing payment history for XX/XX/2023, while TransUnion does not report any payment history but reflects the account as charged off. 

I do not believe that this information is accurate and am requesting documentation to validate the accuracy of this account. Verification must be provided in the form of an original agreement or contract signed by myself and an officer of XXXX XXXX. Without proper validation, I can not accept the accuracy of the reported information. 
I demand that XXXX and TransUnion conduct a thorough investigation into this matter and provide me with a written response detailing the actions taken to rectify these discrepancies within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I also demand that any inaccurate information be promptly removed or corrected from my credit reports. Since TransUnion is reflecting that this account is charged off, I am demanding the 1099c ( cancellation of debt ) form from the IRS that reflects this accuracy. If this information can not be validated as true, then this account is fraudulent and this account must be deleted. 

XXXX is reflecting this account is open and late while TransUnion is reflecting this account is closed. This is another inaccuracy. 

Failure to comply with my request and rectify the inaccuracies in a timely manner may result in further legal action to protect my rights under federal law.

5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Checking or savings account

On XX/XX/XXXX I woke up and used my card like usual. My account had money on it at least XXXX or so dollars. I went ahead and got myself some late XXXX gifts which brought it to around {$340.00}. I've been using it I went and purchased food with it that day and I've logged into it to check my balance, and everything in there was absolutely nothing wrong with my account. I haven't done anything on the account to go against any of the banks, policies, or anything like that I use the account as a normal account for every day purchases, as well as paying bills and eating and everything. I literally just use the account like a regular bank account. So that same day I was going to purchase something but I usually lock my card so I was going to go on the account and unlock the card so that I can use it, but then I see a message saying that my account is locked for security reasons. I have no idea why it would be locked because there hasn't been any fraudulent transactions or anything to my knowledge. So I called them the same day and they told me that basically my account was closed and that I would have to wait on a letter and wait 30 to 60 days to receive the remaining balance that was in my account. I didn't want to go back-and-forth because I asked multiple times why my account was closed and they kept giving me the XXXX  ANSWER, SAYING THAT IT WAS FOR SECURITY REASONS TO PROTECT ME. WHEN HOW ARE THEY'RE PROTECTING ME WHEN THEY'RE LITERALLY HOLDING MY MONEY FOR 30 TO 60 DAYS. Now it is XX/XX/XXXX and I received an email today saying that my account is- {$420.00} which is insane. How is my account negative when I literally haven't even been able to use it and it was supposed to be closed, so how are there still transactions being done on the account? I'm not able to get in my account to see where this is coming from. I have no idea what's going on and I just want my money back that was in the account when it was closed! I have bills! Cant wait 30-60 days!
Product: Checking or savings account

Cash app has taken XXXX off my card. Trys to allow things that Ive never signed up for in my life off my card.The customer service will hang up in your face. You cant understand half of the customer service. Then they just send a report to your email and tell you to complete task. The they might send you back something that wasnt about the conversation.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX  in XXXX by Phone as they are overstating my overall debt by {$14000.00} showing that I have two accounts with them. They confirmed that this is correct however they could not and would not correct the issue with Experian until I sent a letter into them in detail stating the same issue that I called about. I wrote their Credit Dispute Department in XXXX XXXX in detail as to the issue as instructed. I also filed four disputes with Experian Credit reporting and they advised me every time my dispute was rectified and corrected which it has not. I contacted Experian as XXXXXXXX XXXX claims it is their error in reporting. My XXXX XXXX report and XXXX are correct only showing one account however Experian as of today shows two accounts with the same number and same amounts. Experian refuses to correct the issue and referred me back to XXXX XXXX. I contacted XXXXXXXX XXXX again who verified there were two accounts reported and that I only have one account yet they refuse to correct it and deny they ever received communication from me. I have now sent the letter by Certified Mail the second time. I am tired of contacting XXXXXXXX XXXX and Experian Credit Reporting. If this is how these two business 's operate someone needs to look into their practices and their failure to correct their errors thus affecting my credit report and overstating my total debt to others.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

These charges were did NOT authorized and I reported the fraudulent activity to Cash App on XX/XX/2021. I reported the fraudulent activity to XXXX on XX/XX/2021 as well. I have alerts set up on my XXXX  account and was alerted by text and email on XX/XX/2021 about these 2 transactions. Since I did not authorize these transactions, I immediately opened a fraud claim. You will see that these 2 transactions were taken with 2 minutes ( XXXX XXXX  and XXXX XXXX  ) of each other until I did not have enough funds to process another transaction. 

After I saw that Cash App did not properly investigate my claim, I unlinked my account and deleted Cash App from my phone. 

I noticed in the information provided by Cash App through my complaint with XXXX  XXXX XXXX, the IP address in their documents does NOT match the IP address for my cell phone. IP address for my cell phone is XXXX. IP address provided in their documents is IP XXXX. Cash App should have performed their due diligence to find out who the IP address belongs to that initiated the transactions because then they would know transactions were NOT initiated from my cell phone and would not have reported to XXXX  that I authorized the transactions because I DID NOT AUTHORIZE THESE TRANSACTIONS. 

I did not authorize the payment through the cash app of {$500.00}. I do not know the person who the money was sent to. I do not know how the money was sent from my cash app account to this person. I contacted cash app to make them aware of the fraudulent activity the day it happened. I sent them screenshots showing the two {$250.00} transactions were not part of my completed history and the person was not in my activity. Cash App did NOTHING to investigate my claims based on the information I provided them. Cash App has several lawsuits because of this type of fraudulent activity.

Cash App did not investigate my claim in accordance with the Electronic Funds Protection Act after I reported the fraud. If they did, they would know the IP address that initiated the transfer does not belong to my phone and even the the email address of the person who received funds seems suspect, XXXX. Cash App XXXX is not taking my fraud case seriously. 

I have also raised a financial crimes division of the XXXX XXXX XXXX XXXX, case # XXXX. 

XXXX  issued me a temporary credit of {$500.00} for these fraudulent claims until claim could be investigated. Based on the data provided by Cash App/Square, XXXX reversed the temporary credit which caused my account to go into overdraft because Cash App claimed I authorized the transactions even after I sent Cash App evidence I DID NOT authorize the fraudulent transactions. If Cash App would have followed the guidelines of the Electronic Funds Protection Act, Cash App would know the fraudulent activity was not initiated from my device ( cell phone ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX XXXX XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy. 

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

On XX/XX/19 I tried pplied for a loan and was advised by the company that I applied with that they were going to have to rescind the offer based on the fact that mortgage was is reflected as two monts past due on my transunion credit report. I called the mortggage company and was not offered any help or a solution to remove the information and the adverse result on my application decsion.
Product: Credit reporting

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX SC XXXX I have never resided at : XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : XXXX ATTACHED IS THE POLICE REPORT
Product: Checking or savings account

I transferred money from my personal account into my relay financial technologies account, a company that operates though thread bank. Relay froze the account and put a holdon my balance. Two of the transfers i made were returned but do not show in the origionating account, my personal checking account at a different banking institution. I have contacted relay on numerous occasions only to get a generic response stating they aologize and have no explanation. On one occasion, though, XXXX  at their chat support team informed me that the issue was internal to their system and therefore a mistake made by relay fi. either way, my money has disappeared, in regards to two transactions relay says they returned. i was locked out of our business account for nearly two weeks, which has now been closed.
Product: Debt collection

I sent the court, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX letters. The last letter dated XXXX? XXXX saying don't contact me anymore. You ( XXXX ) failed to provide detailed information sent to me and the court so, on XX/XX/ i sent a certified letter to XXXX asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with XXXX XXXX XXXXXXXX XXXX. I am retired XXXX XXXX XXXX non working veteran I am requesting following informstion from XXXX : A. Send me original purchase agreement with wet signature. 
B.Provide me accurate creditor contact information. 
C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. 
D. More importantly, I am requiring Proof of ownership that XXXX has a contract with with creditor and authorized to collect debt from me. 
If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340
Product: Debt collection

Capital one Bank approve me for an unsecured credit card and want me to pay in advance {$200.00} dollars. I paid {$200.00} dollars and received the card by mail. After two years I closed the account with XXXX  balances. The bank sent me a bill of {$200.00} dollars to pay again. I dispute the wrong charge of {$200.00} but Capital one bank reported to the consumer reporting agencies and destroys my credit history. I am still reporting or disputing this wrong charge to consumer reporting agencies. 
Banks don't approve unsecured credit cards unless the consumers pay in advance the approved amount.
Product: Debt collection

On XX/XX/2019 XXXX am I received a phone call from a XXXX number at my place of employment. The lady on the line said this was an attempt to collect a debt on behalf of XXXX XXXX   Lending Club, but did not state what company she was calling from. I responded with, " okay, I can not speak on this line because this is my place of employment. '' She became very rude and hostile stating that if I didn't tell her why I haven't paid my debt and speak with her today that there would be a lawsuit filed against me. I advised her that I have never received a notice from her company or received a notice that my debt had been sold off to another company. I stated that I would not be paying anything without proper paperwork and documentation. I asked her if there was a number I could call her back at so that this conversation did not interrupt my work in which she did not want to give me because, " I don't think you're going to call back and settle this debt since you haven't paid it already. ''
Product: Credit reporting, credit repair services, 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 U.S.C 1681 : XXXX XXXX XXXX XXXX. CONTRACT CALLERS I XXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
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 XXXXXX/XX/XXXX
Product: Credit reporting

Experian refuses to provide free annual credit report online, by phone or by mail. Violates FCRA. When I request my free annual credit report online I supply all of the correct information to Experian and answer all security validation correctly. Experian continuously refuses to provided my report, even though XXXX and XXXX have no issues. Experian also refuses to provide my report when I have attempted to obtain it in the past my mailing in the free annual credit request form or calling XXXX number. They are fraudulently trying to drive traffic to their $ XXXX/month paid service.