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

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer reports my name is XXXX XXXX this is the only name that I am known as and the only one correct to use. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is the only address that I use and is correct. Delete any information that is not listed as such. My employment is The XXXX XXXX  this is how my employer is spelled. This is the only way to spell it so do not misspell my employment. My second employer is The XXXX XXXX  this is the only way to spell my employment. Remove any other employers or name it is not correct! XXXX XXXX XXXX XXXX XXXX is not my address neither is XXXXXXXX XXXX XXXX XXXX these are not mine again they are not mine.
Product: Credit card

A ticket vending company charged my American Express card over {$2000.00} for a purchase that I never made. I received an email alert from American Express because the purchase was so large, and within minutes I contacted the ticket vendor to alert them of the fraudulent charge. The vendor acknowledged that I had not made the charge but stated that it was unable to cancel it at this stage, a mere 18 minutes after it was purportedly placed. The vendor suggested I contact American Express to halt the charge ( which still showed as " pending '' ), which I immediately did. Despite the vendor having advised that they were unable to cancel the fraudulent charge when I contacted them within 10 minutes of it appearing, the American Express agent stated that they also could not stop the still " pending '' charge made less than 30 minutes prior, and that the charge can be canceled from the merchants end only. So, rather than blocking the still pending charge, American Express simply marked the charge for monitoring '' and instructed me to dispute it when it finally posted. I did so, but American Express baseless sustained the charge after shuffling me back and forth between their customer service disputes department ( which claimed it was a fraud issue ) and their fraud department ( which nonsensically claimed it could not be treated as fraud because I had done business with this vendor in the past, and therefore was a a disputes department issue ). 

On XX/XX/year>, I resubmitted the dispute to American Express with a letter detailing the series of events and providing all relevant attachments ( Exhibit A ). On XX/XX/year>, at XXXX XXXX., I received an email from American Express acknowledging the re-dispute and stating that " the amount of {$2000.00} has been placed on hold and you will not be responsible for this while our investigation is in progress. '' ( Exhibit B ). XXXX minutes later, I received another email from American Express stating : " During our investigation, we determined that this case should be handled by our Fraud department. As soon as they have reviewed your account, they will contact you directly. At the beginning of this investigation, we removed the amount ( s ) under review of {$2000.00} from your account. Since this concludes the Customer Service investigation, we have reapplied the amount under review to your account, which will reflect on your upcoming statement. '' ( Exhibit C ). American Express then re-billed the fraudulent charge, but I was never contacted by the Fraud department as promised, and have not received any evidence that the fraud department even conducted any investigation at all. 

American Express is acting illegally and in bad faith by refusing to reverse this plainly fraudulent charge.
Product: Credit reporting or other personal consumer reports

PLEASE SEND WHAT WAS USED TO VERIFY THE BANKRUPTCY NOT JUST SIMPLY STATING THAT IT IS VERIFIED This letter is to inform you that I 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 and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then 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 damaging my creditworthiness.

Under the FCRA are 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 these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name AFFIRM_____________________ Date 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
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/year> I went on cash app to send someone some money and when I opened my account on my phone the money that I was looking for was gone I had been sent to someone else name on the account was destiny and I did not send it the amount was {$20.00} XXXX file a dispute with cash app saying that I made the transaction and I did not also on XXXX  XX/XX/year> I had went with my neighbor to detail a car and he sent me {$50.00} on Cash App and when I went to check it the same thing happened it had been sent to the same individual destiny I told cash out I did not do that they said that the transaction came for my phone and it did not call from my phone
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Request for Verification and Removal of Debt Dear XXXX, ACCCOUNT : XXXX XXXX XXXX XXXX open XXXX I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt. 

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement.

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA. 

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing disputed debt
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX  days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX of FMS Financial Solutions ( XXXX XXXX XXXX. XXXX XXXX, XXXX, MD XXXX, XXXX ) regarding a supposed early lease termination fee from XX/XX/XXXX. I can provide the details of my dispute if you need, but when I called XXXX XXXX he started yelling at me in a most belligerent manner, and threatened a lawsuit. His conduct was most unprofessional and overly aggressive. He was trying to collect for XXXX, ( XXXX XXXX XXXX XXXX. XXXX, MD XXXX, XXXX ).
Product: Student loan

On multiple occasions, Mohela has given me incorrect information about my student loans. They originally quoted my monthly payment to be around $ XXXX, but when I started receiving bills, the bills were for twice that amount. Requests for explanation have been ignored. 

Additionally, because of my student loan status, I had received information from the federal govt that I qualified for the SAVE plan, and would be enrolled in it automatically. I made sure to apply for it ( more than once ) regardless. However, at some point ( without my having made any changes to my account ) I was taken off the SAVE plan and moved into another plan. I had to wait on the phone for hours before they told me they would rectify the situation. 

Now, I am getting told I am behind on a payment, BUT their website has been down for several weeks, so I am not able to make a payment regardless.
Product: Student loan

When I do try to pay my student loans, I ask for the income driven repayment plan. However, it is still way too high. I have never been given a loan payment I can actually pay without draining my income. The customer reps always say I should just sign a forbearance form. It is not that I am unwilling to pay, it is that the repayment options are n't feasible.
Product: Checking or savings account

Recently CHASE has been doing the most unscrupulous banking tactics that are both unconscionable and unacceptable. 
CHASE has been paying ACH and outstanding checks - as they have done repeatedly, setting past precedence, since my bi-weekly payroll deposits are consistently done. 
However, recently, CHASE has allowed ACH and checks to pay, only to reverse and send back, causing unnecessary charges on both sides. 
This has cost me astronomical charges in the hundreds of dollars!!
Product: Payday loan, title loan, or personal loan

I placed a loan with this company for {$300.00}. I agreed to repay at a rate of {$130.00} per month for ( 3 ) months. One ( 1 ) payment was taken out of my checking account at XXXX XXXX XXXX. Then I notified this company and informed them of the problem, ( I had to close the account due to other identity theft problems with the credit union ). I agreed to pay the balance of {$280.00}, but they kept insisting that I owed them {$610.00}. Now they're trying to sue me wafor {$920.00}. They are loan sharks and I do believe that I am not the only person that has been decieved in this manner. I believe that this company should not be able to get away with highway robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} 2. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through XXXX, Equifax, and XXXX on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from XXXX told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX Bank. She told me to freeze my credit online with XXXX, Equifax, and XXXX. I immediately went online and freeze my credit on the same day.
Product: Debt collection

I received a letter regarding a debt I DO NOT owe. Letter lists a few financial institutions that I don't even have a credit card with!!! It appears that since I don't respond to the fraudulent credit consolidation letters, this is the new tactic. Please note that I am current with all of my legitimate creditors!!! My record keeping is also intact!!! Hopefully, this will help to prevent others from being victimized from potential scammers!!! This is not how debt consolidation works. I am sending the letter back to the address indicated with a note stating that a copy of this letter will be forwarded to the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX - XX/XX/year> Just XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year> Just XXXX XXXX XX/XX/year>
Product: Debt collection

I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop.
Product: Credit reporting or other personal consumer reports

This all took place today, XX/XX/2024. 

TransUnion 's website will not let me log in to unfreeze my credit. I have the correct login and password, and have tried 3 different browsers ( XXXX, XXXX XXXX, XXXX ). 

The first 2 return XXXX errors after I press login, and the third returns an error that my access has been blocked by XXXX. I've tried throughout the day, and the TransUnion website is not offering me any way to log in to check my credit report or unfreeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY CAPITAL ONE BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Checking or savings account

My financial aid that I have been waiting for four months for receive was deposited into my account. Less than 24 hours after, CapitolOne decided to put a hold on BOTH my checking AND savings accounts of which I already had money in. I called and they said they need to " verify the funds '', when it was an ACH/electronic deposit, not a check. They did this before but with a physical check deposited, which made no sense then, and makes even less sense now. Why would an electronic deposit need to be verified? Don't banks usually put holds on accounts for large withdrawals? CapitolOne bank is the only bank I know that puts holds on accounts for deposits. This practice should be ILLEGAL.

They said they have to call me school to " verify the funds '' that have already deposited into my account. Of course, it was XXXX pm so the school didn't answer. They refuse to remove the hold from my account. When I made payments totaling over {$5000.00}, last month, not once did CapitolOne call me to verify I was the one making such transactions. Only when you get money, will CapitolOne treat you like you're fraudulent and withhold your money from you as if they are GOD. CaptialOne, however, is the only one fraudulent here. I will be filing a police report to report fraud and I will be looking into suing them for emotional distress. NO ONE DESERVES TO BE TREATED LIKE THIS WITH THEIR MONEY!
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX  days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX  days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Transunion : Fair Collections and Out, XXXX XXXX bankruptcy XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX XXXX, Incorrect Addresses : 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
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally lodge a complaint against Barclays Bank regarding multiple violations of federal consumer protection laws. In Over 15Years, with this institution, I have never missed a payment! I Have Tendered Payment in FEDERAL RESERVE NOTES Blindly, Without Proper understanding of the agreement. I entered into what I believed to be a lawful consumer credit transaction with Barclays Bank, under the impression that they were providing credit derived from their own assets. However, upon further investigation, I have identified significant discrepancies and potential violations, therefore Prior to me Seeking Assistance From The SEC, and IRS. 

I respectfully request the CFPB to investigate and remedy These Violations!

* 12 U.S.C. - 5531 gives the CFPB authority to prevent " unfair, deceptive, or abusive actsBy utilizing my signature and SSN to create credit without disclosure and then demanding repayment with interest, Barclays Bank has been unjustly enriched. This conduct is deceptive and harms me as a consumer.

* 15 U.S.C. - 1601 Barclays Bank failed to provide clear and accurate disclosure regarding the source of credit extended to me. There was no proper disclosure of how my signature and agreement may have been monetized to create credit. This failure to disclose information violates TILA 's requirement for transparency in credit transactions.

* 15 U.S.C. - 1692 Barclays Bank, acting as a debt collector in certain communications, has made misleading and deceptive representations by demanding repayment without proving lawful ownership or that actual funds were advanced from their assets.

* 15 U.S.C. - 1681 The bank has reported negative information to credit reporting agencies, who themselves have ASSUMED THEIR ROLE, without verifying the accuracy of the debt or addressing my dispute. This violates the requirement to ensure fair and accurate credit reporting.

* 15 U.S.C. - 1691 Barclays Bank has restricted access to my credit card account without providing a proper and timely explanation. This action violates my rights under ECOA, which requires creditors to provide clear reasons for adverse actions.
Product: Credit reporting or other personal consumer reports

It was paid XX/XX/XXXX and XXXX said they dont even have payment
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX Balance : {$XXXX} XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>