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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX XXXX XXXXXXXX : XXXX XXXX AND XXXX XXXX XXXXXXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

The bank closed my account XX/XX/23 I went to a local branch in XXXX PA and pulled out XXXX and was told I could pull the rest out at a later date. I went for 6 days in a row to different branches and was unable to withdraw my funds only to be told they are mailing a check out. No one knows where the check is going or when it will be delivered.
Product: Debt collection

Block and delete the fraudulent accounts listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : XXXX  The " Date Opened '' is listed as " XX/XX/XXXX '' by XXXX but " XX/XX/XXXX '' by Experian and XXXX, causing discrepancies in account history. 
XXXX  The " Date Last Active '' is reported as " XX/XX/XXXX '' by XXXX and XXXX, but Experian reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
XXXX  The " Comments '' field includes different remarks across bureaus. XXXX states " Dispute resolved ; reported by grantor, '' Experian mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
XXXX  The " Two-Year Payment History '' shows a " 30 '' delinquency for XX/XX/XXXX in Experian, while XXXX and XXXX report no delinquencies for the same period.
Product: Prepaid card

My wife XXXX has been getting a refund XXXX XXXX amount loaded for the amount {$60.00}. XXXX Account number ending in # XXXX ( closed ). 

We started getting the cards sometime toward the end of XXXX after we sold our home to which I believe our XXXX Account has been tied to. We thought it was a general refund and that would be all, however they have still been mailed out over the past two years. 

This account is no longer active anymore however your XXXX company continues to debit our bank account in the amount of {$60.00} and then turn around and refund us the amount which seems to be caught up in a Loop cycle, revolving door, etc.!! 

We want this to stop immediately as we have called your company and attempted to have this reconciled however it has not as we just got another card in the mail today which tells me you have taken out this amount again in our checking account. 

Please help us remedy this crazy process as we do not have the account active with the number identified in the Subject heading of this e-mail. 

The current address we live in and the cards are now being mailed to our current address because we called and spoke with a representative who said the problem would be resolved as of XX/XX/XXXX, however todays card proves it still is a problem that needs to end. They charge our bank account at the end of the month for the amount mentioned and turn around and send us a credit in a XXXX. 

PLEASE HELP US RESOLVE THIS. 

If this cant be resolved we will be forced to close our bank account and Re-open another one, cutting this cycle off as Fraudulent activity. 
This is an e-mail I am sending " XXXX '' Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

unknown inquiry on XXXX from CBNA on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX   XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 4. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX
Product: Credit card

I received a Citi AAdvantage credit card sponsored by XXXX XXXX in the mail on XX/XX/year> without applying for one. I called customer service on XX/XX/year> who transferred me to accounting. Accounting rep said they would investigate, but asked me to verify the information they already had, which made me uncomfortable. When I expressed my concern about how they were able to illegally poach all of my personal information and send me a credit card without my knowledge or consent, they became testy. The rep finally said he would investigate the fraud, cancel the card, and send a letter to me with the outcome. I don't want this to happen to someone else victimized by a company fraudulently filling out an application with all of our personal information without our knowledge.
Product: Checking or savings account

My checking account was froze as a result of a fraud investigation for about three months in the year XXXX and ended up resulting in Wells Fargo closing my account and I was told I couldn't ever reopen an account with them.
Product: Credit reporting or other personal consumer reports

To minimize chances of identity threat or fraud, I have a freeze on my accounts at the 3 major credit reporting agencies ( in effect for several years now ). I received letter below from XXXX that my credit report was sent in association with a fraudulent application. 
I was never contacted by Capital One, who had made the request. 

My financial information and account information has now been sent to party that might engage in further fraud or identity theft.
Product: Student loan

I am the cosigner on the student loan.The loan states I can get a co signer release if 48 payments are made " on Time ''. 
My son pays the loan early and has not missed a payment in 60 months. 
They will not release me as cosigner because he pays the payment Early. How bissare is this?
Product: Credit reporting

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/2016 XXXX {$160.00} OPENED XX/XX/2016 Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed up top. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX 5. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX
Product: Credit card or prepaid card

I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I was on hold for more than 5 minutes. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. ( Case # XXXX ). 

I called to pay the balance due on my card. American Express told me that no payment was due on my account and they would not take a payment even though the balance due is in excess of {$8800.00}. ( Case # XXXX ) This level of service is absurd for someone who is supposedly a good customer and has been so since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX DOB XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last four digit SS # XXXX todays date XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /BALANCE/ACCOUNT STATUS AND PAYMENT HISTORY IS REPORTING TO EACH CREDIT BUREAU DIFFERENTLY AND INACCURATE.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IAM A FEDERALLY ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT SHALL BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT I attached a copy of my IDENTITY THEFT REPORT P.s This is holding me back from getting a XXXX XXXX, funding and a NEW HOME FOR MY FAMILY pls remove Thanks, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Some 3rd party fraudulent XXXX account made more than a dozen unauthorized transactions ( total close to {$20000.00} ) into my Chase savings bank account. These transactions spanned over a period of 6 months ( XX/XX/2018 - XX/XX/2018 ). 

Upon reporting ( on XX/XX/2018 ) to Chase bank about the fraudulent transactions, Chase returned roughly {$1800.00} back which fell in the first 60 days of the first unauthorized transaction. Chase notified me that they are not able to recover any additional funds beyond first 60 days because they have liability for 60 days only and that ideally I should have called them within first 60 days of the first transaction. Since then I have added additional alerts on my bank account to monitor it more closely. 

I called XXXX right away and reported those same transactions almost the same time as I reported to Chase. XXXX requested me to go back to Chase bank and ask Chase Bank to file ACH return request. XXXX assured that as soon as they received the ACH return request from Chase they will return all the remaining funds back to me. 

After multiple follow ups, Chase finally filed ACH late return request to return the funds to the originating bank. However, Chase filed these ACH late return requests with XXXX XXXX ( another bank which had pulled the money in the first place ) and not XXXX ( who is the merchant ). Multiple Chase bank representatives assured me that this is the right way to do it and this is the only way Chase bank can do it. 

It's been more than 2 months since the ACH late return requests were made to XXXX XXXX but they have not responded. Chase Bank waits for 2-3 weeks for XXXX XXXX to respond and after that makes a new request to recover funds. However till date XXXX XXXX has not responded and I have not received my money even though XXXX have told me that they will return all funds. 

I keep following up with both Chase and XXXX every 1-2 weeks but I'm not getting much luck with either one of them. Often times I get different confusing answers from both Chase and XXXX. 

Many tell me that the fact that XXXX XXXX is not responding to Chase is not normal. One bank   ought to respond when the other is trying to talk. 

I need help from Chase, XXXX and XXXX XXXX to get my {$18000.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a medical debt I do not owe. " NON REPORTED '' debt. This debt is not mine and it is also past the statute in CA. This account needs to be removed off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since my continuous complaints about Santander Consumer USA reporting incorrectly about my account being late with missed payments as accurate and up to date. 

My credit and personal information and all of my personal information has me as a victim on the dark web. The dates of activity with the dark web also coincides with my reports and complaints about Santander Consumer USA. 
I've placed a yearly fraud Alert. Being that I'm unsafe with knowing of this action and the source behind it. I'd like to also request a 7 yr Fraudulent Alert on my credit reports until this entire matter with Santander Consumer USA is completely resolved. I'm also seeking counsel in this matter as I deem it to be retaliation in its worse findings. 
To try and destroy my life credit and otherwise. They should not be in business and this should not be allowed. I'd like to also investigate how many others like myself have fell victim to them and unfortunately not caught it as quick as I did and put the two together. 
Please help me with my 7 year fraud protection on my reports. Thank you.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I wanted to put a credit freeze on all my credit reporting accounts. I had no problem doing this with XXXX and XXXX, but Experian is impossible to contact, either by phone or by email. I attempted numerous times to establish an account online to establish a freeze but because I use a flip phone, the system will not respond correctly. It seems Experian is actively trying to circumvent the Fair and Accurate Credit Transactions Act of 2003, by not allowing consumers to contact them and establish a preventative freeze on their credit reporting account. There is no reason they should not be available by phone and be more responsive to consumer requests for proactive financial protection measures mandated by Congress. XXXX and XXXX have managed to do this - why not Experian? What's the problem?
Product: Credit reporting or other personal consumer reports

I leased a vehicle from Kia XXXX XXXX  under duress and the person who usually services leases was not available and the dealer XXXX XXXX insisted I lease the car as he could not make a needed change on the old lease due to my divorce. So I did it. It was not explained to me that at the end of the lease I would incur a charge if I did not purchase or lease a car from them at the end of my lease. At the end of my lease, I was told I had to turn in the car 2 days early since the lease end date was on a Sunday and they were closed. When I turned in the car 2 days early, I was told because I was recently XXXX and had no income, that they could not help me get another car. Shortly after that, I received a bill from Kia Finance. I called and informed them I was not paying a fee that I was never informed about and that I had no income at the time to pay the fee. They said it was due anyway. Since I was never informed about this fee and the dealership refused to help me secure another car, I felt I should not have to be in debt for this fee. They did not respond but eventually sent the bill into collections. They put a chargeback on my credit report without any notice. Eventually due to my XXXX I had to sell my house. I tried to rent an apartment in XXXX MI and I was refused due to the charge back. I contacted Kia finance and they offered me a discounted rate to pay it off. In XXXX of 2024 the entire amount negotiated was payed by me even though the amount was higher than the original amount. I was was told in XXXX of 2024 I would receive a letter showing the account paid in full and closed. They said I needed to write to their credit department to get it off my credit report. That didnt happen so I contacted them again. Still they did not send confirmation. I am still waiting for this to happen. For some reason when I became XXXX, my credit score took a dive. I have a long history of very good credit. This happens to be the only bill I have ever refused to pay in my entire life. How can a XXXX dollar company target people like me and ruin their credit? If it cant be removed, at least report the correct information on the account, please.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report from Equifax and XXXX after a recent dispute and saw an item reflecting adverse information from XXXX XXXX XXXX. I am 100 % sure that XXXX XXXX XXXX did not follow federal procedure in validating the alleged debt on the account in XXXX. The transferring of my information to the Credit agencies listed is not lawfully transferred. XXXX XXXX XXXX has not lawfully verified a contract agreement between the consumer and XXXX XXXX XXXX bearing two wet ink signatures by Consumer XXXX XXXX and XXXX XXXX XXXX in which a contract shall be made valid per contract law. XXXX XXXX XXXX has violated Due Process clause towards the consumer by denial of arbitration of any alleged debt by a lawful court order that can substantiate a lawful claim against consumer XXXX XXXX. Without any proof of Contract bearing two wet ink signatures by both parties in interest or a lawful court order or written consent from the consumer, XXXX XXXX XXXX has violated Federal Consumer Law 15 U.S.C. 1681s-2 which pertains to the responsibilities of furnishers of information and Equifax nor XXXX did not properly verify this information. 1. Contract with 2 wet ink signatures by both parties 2. A lawful court order or judgement or deposition or sworn statement of facts. 3 Written consent of the consumer.